Dalma
Dalma is a French digital pet health insurer (operating as Ollie SAS) that sells subscription-based insurance and preventive care add-ons for dogs and cats to individual pet owners in France and Germany, using an AI-assisted claims platform, a mobile app, and 24/7 veterinary teleconsultations.
- Company typePrivate
- Founded2021
- HeadquartersParis, France
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Dalma does
Dalma, operated by French parent company Ollie SAS and headquartered in Fresnes, France, is a digital-first pet health insurance provider founded in 2021. The company sells customizable subscription-based insurance for dogs and cats, with reimbursement rates ranging from 60% to 100% and annual ceilings up to €2,500. Coverage spans veterinary consultations, surgery, hospitalization, medications, diagnostics, and dental care, with optional wellness add-ons for preventive care. As of 2025, Dalma insures more than 60,000 pets across France and Germany and has reported reaching profitability in its home market.
The core technology stack centers on an AI-assisted claims engine that automatically processes approximately half of claims in under 30 seconds and guarantees all reimbursements within 48 hours, supported by a native iOS/Android mobile app that handles policy management, claims submission, and 24/7 veterinary teleconsultations via a partnership with FirstVet. Distribution is fully digital and self-serve: customers obtain a quote in roughly one minute, complete onboarding without paperwork, and manage the entire policy lifecycle through the app. Underwriting risk is carried by partner insurers Seyna and Axeria, while Dalma operates as a broker (registered with ORIAS under No. 21000255), giving it capital-light exposure to insurance economics.
Dalma monetizes through recurring monthly premiums (€20-€50 per month for dog insurance, varying by breed, age, and coverage tier), the €7-€14 per month wellness add-on, and ancillary revenue from a curated pet-health e-shop and bundled Tractive GPS subscriptions. The company has raised over €50 million across funding rounds from Breega, Northzone, Anterra Capital, and Bpifrance, with a €20 million Series B closed in March 2025 to fund expansion across France, Germany, and broader Europe.
Dalma firmographics
Firmographics- Name
- Dalma
- Legal name
- Ollie SAS
- Website
- https://dalma.co
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Dalma is a French digital pet health insurer (operating as Ollie SAS) that sells subscription-based insurance and preventive care add-ons for dogs and cats to individual pet owners in France and Germany, using an AI-assisted claims platform, a mobile app, and 24/7 veterinary teleconsultations.
- Ownership category
- akta.pro rank
Dalma industry classification
Industry- Product category
- Pet Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
- akta.pro secondary industries
- General Liability Insurance (FSAJAKAD), Revenue Cycle, Payments & Financing (Payments, Subscriptions, BNPL, Claims Support) (HLAMAGAE)
Keywords
Where Dalma is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Dalma business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Pet Health Insurance Premiums: Monthly subscription fees for pet health insurance covering dogs and cats. Plans offer customizable reimbursement percentages (60-100%) and annual coverage ceilings. Additional wellness add-on (forfait bien-être) provides preventive care coverage with no waiting period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Customizable pet insurance with 5 reimbursement tiers and 6 annual ceiling options |
| Subscription | Monthly | Wellness add-on (forfait bien-être) for preventive care with no waiting period |
| Subscription | Monthly | Dog insurance with no deductible, no hidden fees, and up to 100% reimbursement |
| Subscription | Monthly | German market plans: OP (surgery) and Krankenversicherung (full health) tariffs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Dalma product offering
Product offeringCore offering
Dalma sells digital pet health insurance for dogs and cats in France and Germany, offering customizable reimbursement rates (60–100%) and annual coverage ceilings (€1,000–€2,500) with no deductibles or hidden fees. Policies cover veterinary consultations, surgeries, hospitalizations, medications, diagnostics, dental care, and alternative therapies, with a contractual 48-hour reimbursement guarantee. Customers manage all services through the Dalma iOS/Android app, which supports AI-powered instant claims processing, unlimited 24/7 veterinary teleconsultation via FirstVet, and optional add-ons such as the Forfait Bien-être preventive care package.
Product overview
Dalma operates as a vertically integrated pet care superapp offering digital pet health insurance with modular add-ons. The core product is customizable pet health insurance (60-100% reimbursement, €1,000-€2,500 annual ceilings) with a 48-hour reimbursement guarantee. This core is complemented by the Forfait Bien-être wellness add-on (preventive care coverage) and telemedical consultations via FirstVet partnership. In Germany, Dalma additionally offers mandatory dog liability insurance (Hundehaftpflichtversicherung) and a surgery-only tariff (OP-Versicherung). All services are managed through the Dalma mobile app, which serves as the primary customer interface for policy management, claims processing, and veterinary teleconsultations.
Differentiator
Problem solved
Functional benefit
Products and services
- Dalma Pet Health Insurance Digital pet health insurance for dogs and cats offering customizable reimbursement rates (60–100%), annual coverage ceilings up to €2,500, no deductibles, no hidden fees, and a 48-hour reimbursement guarantee. Covers veterinary consultations, surgeries, hospitalizations, medications, dental care, diagnostics, and alternative therapies. Sold directly to individual pet owners in France and Germany.
- Forfait Bien-être (Wellness Add-on) Preventive care add-on covering vaccinations, sterilization, deworming, annual health checkups, dental scaling, antiparasitic treatments, physiotherapy, osteopathy, homeopathy, and nutritional supplements. Available in three tiers (€100/year for €7/month, €150/year for €11/month, €200/year for €14/month). Sold as an optional module to Dalma pet insurance policyholders.
- Hundehaftpflichtversicherung (Dog Liability Insurance) Mandatory dog liability insurance for German customers covering property damage, financial consequences, and damages caused by uninsured dogs. Designed to meet German legal requirements in several federal states. Sold to German dog owners via dalma.co/de.
- OP-Versicherung (Surgery-Only Insurance) Surgical coverage tariff for dogs and cats that covers all costs resulting from illness or accident leading to an operation. Lower-cost option for German pet owners seeking coverage specifically for surgical procedures. Sold as a standalone tariff in the German market.
- Dalma Mobile App (iOS and Android) Native mobile application available on iOS and Android for Dalma policyholders. Enables policy management, claims submission with photo upload, real-time reimbursement tracking, unlimited 24/7 veterinary teleconsultations via chat or video, and direct payment system integration. Distributed globally via the App Store and Google Play.
- Telemedicine via FirstVet (Telemedizin) Unlimited free video consultations with licensed veterinarians provided through the FirstVet partnership, available 24/7 directly within the Dalma app for any dog or cat health question. Bundled with Dalma insurance policies at no extra cost.
Quantifiable outcome
- 1 in 2 claims processed in under 30 seconds; all claims within 48 hours
- +4 more outcomes
Companies that use Dalma
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Dalma technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature4 records
Dalma partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- TractiveminorGPS collar partner. Dalma offers a free Tractive GPS tracker to all new subscribers. The offer includes a free tracker device (valued at approximately €30-50) with ongoing subscription starting at €7.50/month for Tractive service.
- SeynacoreInsurance carrier providing the underlying pet health insurance coverage for Dalma policyholders in France. Dalma operates as a broker (courtier d'assurances) with Seyna as the risk carrier.
- AxeriacoreInsurance carrier providing pet health insurance coverage alongside Seyna for Dalma policyholders.
- FirstVetcoreTelemedicine partner providing unlimited free video consultations with licensed veterinarians integrated into the Dalma app. Available 24/7 for all policyholders.
- OlliecoreParent company (Ollie SAS) operating as an insurance broker registered with ORIAS under No. 21000255. Dalma is a brand of Ollie.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Dalma competitors and assessment
Company assessmentDirect peers
- SantéVet: Leading pet health insurer in France. Most direct domestic competitor to Dalma, offering similar dog and cat health insurance products to French pet owners with overlapping reimbursement and wellness features.
- Lassie: Swedish digital-first pet insurance InsurTech targeting dog and cat owners across Northern Europe. Closely comparable on product (customizable plans, app-led UX, fast claims) and on stage (venture-backed, expanding across Europe).
- Many Pets (formerly Bought By Many): UK-based digital pet insurance challenger with multi-country European footprint. Comparable on direct-to-consumer digital positioning, customizable plans, and claim-led UX, though operating in different European geographies.
Regional players
- Agila Pet Insurance (Direct Line Group): One of the leading pet insurers in Germany and the Nordics, now part of Direct Line Group. Most direct peer for Dalma's German market, with similar dog/cat health and liability coverage.
- Fetch by The Dodo (formerly Petplan US): US-focused pet insurance and wellness provider. Comparable on comprehensive dog/cat coverage and wellness add-ons (similar to Dalma's Forfait Bien-être), though operating in a different geography.
Broad incumbents
- Petplan: Established UK pet insurance provider (owned by Allianz). Comparable product offering (dog/cat health insurance) and demonstrates scale of category; serves as an incumbent benchmark Dalma is competing against in cross-market expansion.
- Trupanion: North American publicly traded pet medical insurance company with software (VetDirect Pay) integrated at clinics. Comparable on integrated payment/claims UX and direct veterinary partnerships; demonstrates international model for tech-led pet insurance.
- Lemonade Pet: US InsurTech using AI-driven underwriting and claims to offer pet insurance alongside renters and life products. Comparable on AI-led claims and digital-native GTM, though not yet a direct European pet insurance peer.
Emerging players
- Alan: French digital health InsurTech with strong product-led UX and self-serve mobile app. Comparable on French InsurTech DNA, mobile-first GTM, and integration of value-added services — though operating in human rather than pet health insurance.
Others
- FirstVet: Veterinary telemedicine partner integrated into Dalma's app. Listed here as adjacent ecosystem participant (partner and would-be partner) rather than direct insurance competitor, given shared go-to-market in digital pet care.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Dalma social profiles
Digital presenceDalma financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dalma leadership team
Management profileNumber of profiles
Profiles3 records
Dalma funding detail
Funding detailFunding overview
Funding rounds5 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dalma M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dalma
What does Dalma do?
Dalma sells digital pet health insurance for dogs and cats in France and Germany, offering customizable reimbursement rates (60–100%) and annual coverage ceilings (€1,000–€2,500) with no deductibles or hidden fees. Policies cover veterinary consultations, surgeries, hospitalizations, medications, diagnostics, dental care, and alternative therapies, with a contractual 48-hour reimbursement guarantee. Customers manage all services through the Dalma iOS/Android app, which supports AI-powered instant claims processing, unlimited 24/7 veterinary teleconsultation via FirstVet, and optional add-ons such as the Forfait Bien-être preventive care package.
Is Dalma a public or private company?
Dalma is a private company. It is classified as venture growth investor backed and is currently operating.
When was Dalma founded?
Dalma was founded in 2021. It employs 51 to 100 people.
Where is Dalma based?
Dalma is headquartered in Paris, France, in the Europe region.
How does Dalma make money?
One revenue line is on record: pet Health Insurance Premiums.
Who are Dalma's main competitors?
Direct peers on record are SantéVet, Lassie and Many Pets (formerly Bought By Many). Regional players are Agila Pet Insurance (Direct Line Group) and Fetch by The Dodo (formerly Petplan US). Broad incumbents are Petplan, Trupanion and Lemonade Pet. Alan is listed as an emerging player. FirstVet is listed as an others.
Does Dalma have an API?
No public API is recorded for Dalma.
What industry is Dalma in?
Dalma's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance, with a secondary code of FSAJAKAD, General Liability Insurance. Its NAICS code is 524126 and its SIC code is 6411.