SanteVet

What SanteVet does

Santévet is a French pet health insurance company founded in 2003 and headquartered in Lyon, serving individual owners of dogs, cats, and exotic companion animals (NAC) across France, Belgium, Spain, Germany, and Italy. The product portfolio is structured as a tiered subscription platform: dog insurance offers five formulas (Light through Optimal) with 60–100% reimbursement rates and annual ceilings up to €4,000; cat insurance offers six formulas including a specialized indoor-cat plan with similar ceilings; and NAC insurance covers rabbits, ferrets, parrots, chinchillas, and guinea pigs at 85% reimbursement with €400–€800 annual ceilings. All formulas bundle three embedded services: a Budget Prévention allowance (up to €150/year for vaccines, antiparasitics, deworming, sterilization, and hygiene), Payvet (100% advance of veterinary fees at the clinic with 3x interest-free installment options from a €50 remaining balance), and Santévet Urgences, a 24/7 emergency veterinary hotline operated with VETOADOM.

The underlying technology stack is a pet-insurance platform with web and mobile (iOS/Android) policy management, digital claims submission and tracking with a stated 48-hour processing SLA, and a Payvet QR-code interface integrated at veterinary clinics for point-of-sale bill advancement. The company distinguishes itself from competitors with a lifetime coverage guarantee (animals remain insured regardless of age or health, with stable pricing), no health examination required at subscription, and a 97% recommendation rate among French veterinarians (Bio'sat study, January 2024). Distribution is multi-channel: direct-to-consumer through the website, inside-sales by phone advisors (04 78 17 38 00), and indirect B2B2C flows through dedicated portals for veterinarians, breeders, and insurance brokers, plus an affiliate and parrainage (referral) program.

The business model is recurring subscription revenue: monthly premiums are individualized by species, breed, age, and coverage tier, with 12-month initial commitments and tacit annual renewal. The customer base has grown to 940,000+ insured animals since founding. Santévet is a private company, having raised approximately €162M+ in total disclosed funding (including a 2011 round from Idinvest Partners and Serena, a 2017 round from Idinvest Partners, and a €150M growth equity round led by Columna Capital in February 2022). The company is led by co-founder and Director General Hugues Salord and founder and Chairman Jérôme Salord, and in July 2025 acquired Tedaisy Insurance Group to extend its European footprint.

Name

SanteVet

Legal name

Santévet

Website

http://www.santevet.com/

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Santévet is a Lyon-based pet health insurance company founded in 2003, offering tiered subscription plans for dogs, cats, and exotic pets across France, Belgium, Spain, Germany, and Italy, with 940,000+ insured animals and embedded services including a preventive care budget, instant vet bill advancement, and 24/7 emergency hotline.

Ownership category

akta.pro rank

Product category

Pet Health Insurance

NAICS

Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industry

General Liability Insurance (FSAJAKAD)

Keywords

• Pet health insurance
• Veterinary expense coverage
• Animal insurance
• Pet wellness plans
• Dog and cat insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. Pet Health Insurance Premiums: Monthly or annual subscription premiums charged to pet owners for insurance coverage. Pricing is individualized based on species, breed, age, and chosen coverage tier. Plans are sold with 12-month initial commitment, tacitly renewing annually. This is the primary revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Santévet is a pet health insurance provider offering modular insurance plans for dogs, cats, and exotic pets (NAC) including reimbursement of veterinary expenses for illness and accidents, preventive care allowances, therapeutic food coverage, and 24/7 emergency veterinary assistance. The company complements its insurance contracts with the Payvet instant bill-advancement service, a mobile application for claims management, and dedicated portals for veterinarians, breeders, and insurance brokers.

Product overview

Santévet is a pet health insurance company founded in 2003 in Lyon, France, operating across Europe (France, Belgium, Spain, Germany, Italy). The product portfolio centers on a modular insurance platform offering species-specific coverage: dog insurance (5 formulas with up to 100% reimbursement and €4,000/year ceiling), cat insurance (6 formulas including a specialized indoor cat plan with up to 100% reimbursement and €4,000/year ceiling), and NAC/exotic pet insurance (5 species-specific formulas with 85% reimbursement and €400-800/year ceilings). All formulas include the Prevention Budget (up to €150/year), Payvet (100% fee advance with 3x installment option), and Santévet Urgences (24/7 emergency hotline). Add-on modules include Civil Liability coverage for dogs (from €3/month) and dedicated puppy/kitten plans with first-year bonus reimbursements. Policyholders access services via a mobile app (iOS/Android) and online customer portal. The company insures over 940,000 animals and is recommended by 97% of French veterinarians.

Differentiator

Problem solved

Functional benefit

Brands

• Payvet: A service that advances 100% of veterinary expenses directly at the clinic and offers payment facilities in installments for insured clients. Also available to non-Santévet clients.
• Santévet Urgences

Products and services

• Santévet Dog Insurance (Assurance Chien) Pet health insurance for dogs offering five formula tiers (Light, Confort, Confort+, Premium, Optimal) with reimbursement rates from 60% to 100%, annual ceilings up to €4,000/year, a Prevention Budget up to €150/year for vaccines, antiparasitics, and deworming, and up to €200/year for therapeutic food under the Optimal plan. Targeted at individual dog owners.
• Santévet Puppy Insurance (Assurance Chiot) Specialized pet health insurance for puppies from 2 months old, offering the same five formula tiers as the standard dog plan with additional first-year benefits of up to €40 extra reimbursement for preventive care (vaccines, antiparasitics, deworming, sterilization, identification, hygiene products) using promo code CC5. Targeted at new puppy owners and breeders.
• Santévet Cat Insurance (Assurance Chat) Pet health insurance for cats offered in six formula tiers (Light, Confort, Confort+, Premium, Optimal, Cat Indoor) with reimbursement rates from 60% to 100%, annual ceilings up to €4,000/year, a Prevention Budget up to €150/year, and therapeutic food reimbursement up to €50–€150/year for Cat Indoor and Optimal plans. The Cat Indoor formula is tailored to indoor cats with reduced risk profile. Targeted at individual cat owners.
• Santévet Kitten Insurance (Assurance Chaton) Specialized pet health insurance for kittens from 2 months old, offering the same six formula tiers as the standard cat plan with additional first-year benefits of up to €40 extra reimbursement for preventive care using promo code CC5. Targeted at new kitten owners and breeders.
• Santévet NAC Insurance (Exotic Pet Insurance) Pet health insurance for exotic pets (NAC) covering rabbits, ferrets, parrots, chinchillas, and guinea pigs. Reimburses 85% of veterinary expenses with annual ceilings of €400–€800/year depending on species, with species-specific prevention budgets (e.g., rabbit vaccines €25/year, ferret chemical castration €50/2 years, parrot serology €50/2 years). Targeted at owners of exotic companion animals.
• Civil Liability Option for Dogs (Responsabilité Civile Chien) Add-on liability insurance for dogs covering bodily injury up to €250,000/year and property/material damage up to €50,000/year (with €150 deductible per act). Available in three tiers for Category 1 dogs, Category 2 dogs, and non-categorized dogs, starting from €3/month. Required by French law for Category 1 and 2 dogs. Targeted at dog owners, particularly those owning regulated breed categories.
• Payvet Fee advance and payment facilitation service that advances 100% of veterinary bills at the clinic, with automatic 3x interest-free installment payments from €50 of remaining cost. Integrated with veterinary clinics via a QR code-based interface. Available to both Santévet insured clients and non-clients at partnered clinics. Targeted at pet owners seeking to avoid out-of-pocket expenses at the point of care.
• Santévet Urgences (24/7 Emergency Assistance) Round-the-clock veterinary emergency telephone hotline staffed by VETOADOM, providing triage, first-aid guidance, and clinic-of-guard referrals. Included in all Santévet insurance formulas. All resulting emergency costs are covered by the insurance policy. Targeted at insured pet owners needing after-hours veterinary advice.

Quantifiable outcome

• 97% of French veterinarians recommend Santévet (Bio'sat study, January 2024, 150 respondents)
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Scale indicators9 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Trupanion: Trupanion is a publicly traded North American pet health insurer that pays veterinarians directly at checkout (a Payvet-like model) and sells lifetime/medical-only coverage, structurally analogous to Santévet's positioning.
• Healthy Paws Pet Insurance: Healthy Paws is a US online-direct pet insurance carrier (now part of Zoono/Z1/Tivity/NationsBuilders), competing on simple D2C enrollment and digital claims like Santévet's mobile app flow.
• ManyPets (formerly Bought By Many): ManyPets is a UK-founded digital-first pet insurer with European (including EU) expansion and a direct-to-consumer go-to-market, very similar to Santévet's website/app/call-center sales motion and multi-country footprint.
• Petplan: Petplan is a leading UK/Canadian specialty pet insurance brand underwritten by Allianz-owned entities, frequently cited as a benchmark for the lifetime-coverage, multi-tiered pet insurance model that Santévet replicates in continental Europe.
• Agria Pet Insurance: Agria is one of the world's largest specialty pet insurance underwriters (operating in the UK, Sweden, Denmark, Norway, France and beyond), making it a direct functional peer to Santévet's underwriting model across dogs, cats, and other companion animals.
• Figo Pet Insurance: Figo is a US D2C pet health insurer with a mobile-app-first claim experience and breed/age-based pricing, closely mirroring Santévet's app-based claims and individualized pricing approach.
• Embrace Pet Insurance: Embrace is a US specialty pet health insurer offering accident, illness, and optional wellness add-ons (a 'Budget Prévention'-like preventive allowance), making it a direct specialist peer to Santévet.

Broad incumbents

• MetLife Pet Insurance: MetLife Pet Insurance (rebranded from PetFirst/ASPCA) is offered by a major global insurer and represents a broad-incumbent counterpoint to Santévet's specialty-only positioning in the pet health insurance category.

Regional players

• Vetassur: Vetassur is a long-standing French pet insurance specialist that competes head-to-head with Santévet for French dog, cat, and NAC policyholders with similar lifetime-coverage positioning.
• Animaux Santé (by Solly Azar): Solly Azar's Animaux Santé is a French broker-distributed pet insurance product that competes in the same French market as Santévet primarily through the broker channel (Espace Courtiers).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/santevet
• Facebookfacebook.com/santevet
• LinkedInlinkedin.com/company/sant-vet

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SanteVet