What Fidanimo does

Fidanimo is the consumer-facing brand under which LSA Courtage distributes pet health insurance products in France. The company offers health insurance for dogs, cats, and New Companion Animals (NAC), structured as a portfolio of ten formula tiers — Cuivre, Ambre, Topaze, Bronze, Argent, Emeraude, Saphir, Or, Diamant, and Intérieur — spanning reimbursement rates of 50% to 90%, annual coverage ceilings of roughly €1,000 to €2,000, and optional assistance, death benefits, and mandatory civil liability for category 1 and 2 dogs. Fidanimo is positioned for multi-pet households, with pricing starting at €7.50 per month and a €50 welcome gift on enrollment of a second animal.

Underwriting risk is placed with Allianz France and AXA France across different formula tiers; Fidanimo operates as a brokerage and bears no underwriting capital exposure. The technology layer is a web-based quote-and-subscription platform with a digital feuille de soins (care form) for invoices under €300, supporting a 72-hour reimbursement SLA for Club Fidanimo members. Distribution is direct-to-consumer via online self-serve and phone-based advisor support, supplemented by veterinary-clinic referrals (the channel reached 12% of surveyed French clinics), loyalty/referral mechanics, and an educational content footprint (Fidmag blog, Pet School by Purina reaching 635,000+ children).

The business model is recurring subscription insurance with monthly billing, average customer ticket in the low-tens-of-euros per month, very low individual concentration (consumer/SMB base), and retention anchored by lifetime coverage and no breed-based or age-based repricing. The company is privately held with no disclosed outside funding and is led by General Director Omer Bourret and Marketing and Partnerships Director Nicolas de Soubeyran, with operations centered at Rueil-Malmaison (Hauts-de-Seine) in metropolitan France.

Name

Fidanimo

Legal name

LSA Courtage

Website

https://fidanimo.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidanimo is a French pet health insurance broker operating under LSA Courtage, distributing dog, cat, and NAC insurance through ten formula tiers underwritten by Allianz and AXA. It targets multi-pet households via direct-to-consumer digital subscription and veterinary-clinic referrals in metropolitan France.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Insurance Agencies and Brokerages (524210), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA), General Liability Insurance (FSAJAKAD)

Keywords

• Pet health insurance
• Dog insurance
• Cat insurance
• Exotic pet insurance
• Multi-pet family coverage

Headquarters

HQ city

Rueil-malmaison

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet health insurance premiums: Monthly subscription-based pet health insurance premiums for dogs, cats, and NAC (New Pets). Customers pay a monthly cotation calculated according to the selected guarantee level, formula (Copper/Amber/Topaz/Bronze/Silver/Emerald/Sapphire/Gold/Diamond/Interior), and options chosen. Annual deductibles and annual reimbursement ceilings vary by plan.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Fidanimo provides subscription-based pet health insurance for dogs, cats, and exotic pets (NAC) in France, distributing Allianz- and AXA-backed policies through its own brand. Customers select from ten formula tiers with reimbursement rates between 50% and 90%, paying monthly premiums starting at €7.50. The company emphasizes multi-pet family coverage, breed-agnostic pricing, lifetime coverage, no medical questionnaire for enrollment, and 72-hour digital reimbursement processing.

Product overview

Fidanimo is a pet health insurance provider offering a comprehensive portfolio of animal insurance products for dogs, cats, and exotic pets (NAC). The core offering consists of health insurance policies with ten formula tiers (Cuivre through Diamant, plus Intérieur) providing reimbursement rates from 50% to 90%, annual coverage ceilings ranging from €1,000 to €2,000, and optional preventive care packages. The company operates through LSA Courtage and partners with Allianz and AXA for different formula offerings. Additional products include civil liability coverage for categorized dogs and a loyalty program (Club Fidanimo). An educational platform, Pet School by Purina, provides pet ownership education for children.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Chien (Dog Health Insurance) Subscription-based health insurance for dogs covering veterinary costs for accidents, illness, surgery, and routine care with reimbursement rates of 50% to 90%. Available to all dog owners including category 1/2 dangerous breeds that require supplementary civil liability coverage.
• Assurance Chat (Cat Health Insurance) Subscription-based health insurance for cats covering accidents, illness, surgery, and routine care including preventive treatments (vaccines, deworming, sterilization). Includes a dedicated Intérieur formula tailored to indoor cats with 75% reimbursement.
• Assurance NAC (New Companion Animals Insurance) Health insurance covering rabbits, parrots, and ferrets from age 2 months, with age limits at subscription (e.g., 3 years max for rabbits, 15 years for parrots). Underwritten by Allianz and distributed under Fidanimo's brand.
• Assurance Responsabilité Civile Chien (Civil Liability Insurance for Dogs) Civil liability insurance covering damages a dog may cause to third parties, mandatory for category 1 (attack dogs) and category 2 (guard/defense dogs) under French law. Offered as an optional add-on with Fidanimo's Bronze, Argent, Or, and Diamant formulas.
• Club Fidanimo Loyalty Program Membership-style loyalty program offering exclusive benefits including reimbursement within 72 hours, dedicated expert service, referral/parrainage sponsorship rewards, and birthday surprises for insured animals.
• Pet School by Purina Educational Platform Interactive digital educational platform designed for children aged 6-10 teaching responsible pet ownership through animated scenarios with Luna the cat and Max the dog characters. Co-promoted with Purina under the LSA Courtage / Animalis ecosystem.

Quantifiable outcome

• Reimbursement within 72 hours of receiving complete documentation (care form + invoice)
• +5 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Purina (Nestlé Purina PetCare)minorStrategic or Co-development PartnerFidanimo co-promotes Pet School by Purina, an interactive educational digital platform for children aged 6-10 teaching responsible pet ownership. This partnership aligns with Fidanimo's animal welfare commitment and community education mission. Pet School has reached over 635,000 children in France.
• Allianz FrancecoreOthersAllianz is the primary insurer backing Fidanimo's Bronze, Gold, Silver, Diamond, and Copper formula plans. Fidanimo acts as a brokerage (courtier) distributing Allianz pet insurance products under its own brand. Documents reference DIPA (Insurance Product Information Document) and General Provisions for Allianz formulas.
• AXA FrancecoreOthersAXA is the insurer backing Fidanimo's Amber, Sapphire, Emerald, Topaz, and Interior formula plans. Fidanimo acts as a brokerage distributing AXA pet insurance products under its own brand. Documents reference DIPA and General Provisions for AXA formulas.
• LSA CourtagecoreOthersLSA Courtage is the parent company of Fidanimo. The company is based at LSA Courtage's offices in Rueil-Malmaison with a team of 145 employees. LSA Courtage specializes in pet insurance brokerage and is affiliated with the Animalis retail chain (1st preferred French pet store brand). Copyright 2020 LSA Courtage.
• AnimalisminorStrategic or Co-development PartnerAnimalis is France's 1st preferred pet store brand (according to their claims), part of the same ecosystem as LSA Courtage/Fidanimo. Animalis supports the 'Arche des Associations' initiative for animal welfare associations, which Fidanimo is connected to through the broader LSA Courtage ecosystem.
• ProVéto Junior ConseilminorOthersProVéto Junior Conseil is the student veterinary consultancy at École Nationale Vétérinaire d'Alfort (EnvA). They conducted a national survey on pet health insurance in veterinary clinics (July-August 2017) on behalf of Fidanimo, and authored multiple educational articles for the Fidanimo blog.
• École de Chiens Guides de ParisminorOthersFidanimo's blog features content about guide dogs for the visually impaired, supporting the École de Chiens Guides de Paris which has provided over 900 guide dogs free of charge in 30 years.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• AXA France: AXA France is the other core underwriting partner for Fidanimo's formulas and a leading general insurer in France. It is comparable as a broad incumbent with overlapping pet insurance capability, though AXA's primary focus is multi-line P&C rather than pet specialization.
• Carrefour Assurance: Carrefour Assurance is a mass-market French insurance distributor offering pet insurance as part of a broader multi-line portfolio (home, auto, health). It is comparable to Fidanimo as a French insurance distributor but offers pet coverage as an add-on rather than a core product.
• Allianz France: Allianz France is the underwriting carrier behind several of Fidanimo's formula tiers and a major French pet insurance provider in its own right. Comparable as a broader incumbent in the same insurance space, though Allianz operates across all major P&C lines rather than specializing in pet.

Direct peers

• Assur O'Poil: Assur O'Poil is a French pet insurance broker offering dog and cat health insurance with multi-formula coverage. It competes with Fidanimo in the same B2C French pet insurance category using a comparable broker distribution model.
• Bulle Bleue: Bulle Bleue is the most-present pet insurance brand in French veterinary clinics at 89% and a direct competitor to Fidanimo in dog and cat health insurance distributed through clinics and direct channels in France.
• Direct Assurance: Direct Assurance is a French direct-to-consumer insurer that sells pet insurance alongside motor and home products. It is a direct peer in the French pet insurance category with a similar digital self-serve GTM, though it is broader than Fidanimo's pet-only focus.
• SantéVet: SantéVet is the leading French pet insurance broker and is cited as the second-most-present insurer in French veterinary clinics at 81%. It is a direct peer to Fidanimo across the same product category, target customers (French pet owners), and broker-led distribution model.

Emerging players

• Kozoo: Kozoo is a European pet health and insurance platform with a digital-first product. It overlaps with Fidanimo in pet health insurance for French/European consumers but is at an earlier scale and a broader European footprint.
• Linao (formerly Jim & Joe): Linao is a French insurtech operating in companion animal insurance with a digital-first proposition. It overlaps with Fidanimo in target customer and digital GTM but is at a smaller scale and is more of an emerging competitor in the same French category.

Regional players

• Agria Pet Insurance: Agria is a Scandinavian-origin pet insurance specialist expanding into European markets including France. It is comparable to Fidanimo as a pet-specialist insurer but is not yet a scaled French market participant, making it more of a regional/emerging peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Fidanimo
• Facebookfacebook.com/fidanimo
• LinkedInlinkedin.com/company/fidanimo

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Fidanimo