Waiting periods of French pet insurers
You pay from day one. You are covered later. This page says how much later, insurer by insurer, and where each line comes from.
| Insurer | Accident | Illness | Surgery | Evidence |
|---|---|---|---|---|
| Assur O'Poil | — | — | — | verifiable secondary source |
| Dalma | — | — | — | insurer's own page |
| Lassie | — | — | — | verifiable secondary source |
| Santévet | — | — | — | verifiable secondary source |
| Bulle Bleue | — | — | — | insurer's own page |
| Kozoo | — | — | — | insurer's own page |
| Fidanimo | — | — | — | insurer's own page |
| Goodflair | — | — | — | insurer's own page |
| Matmut Assur'4 Pattes | — | — | — | insurer's own page |
| MaxiZoo Assurance | — | — | — | not confirmed |
| PRO BTP | — | — | — | insurer's own page |
| Self Assurance | — | — | — | insurer's own page |
| VYV Conseil | — | — | — | insurer's own page |
Why a dash is not a zero
An empty cell means the insurer does not publish that figure on a primary source. It does not mean there is no waiting period. Writing zero would be a strong claim, and we only make it where an insurer states it.
The evidence column says where each line comes from. A line resting on a third party is flagged as such and should not be treated as a fact.
What this changes in practice
A waiting period is the reason most refusals happen. An animal insured on 1 January with a 45-day illness waiting period is not covered for an illness declared on 1 February, and the refusal is contractually correct. Owners experience it as bad faith; it is usually a clause they were shown and did not read.
Some insurers shorten the illness waiting period if a vet completes a health certificate at subscription. That is worth asking about, and it is rarely advertised.
Not a broker, not a vet, not an insurer. Nothing here is personal advice. Anything about your animal's health is for the vet who examines it. Some outgoing links are partner links, always marked.
