Assur O'Poil

Name

Assur O'Poil

Legal name

HD Assurances

Website

https://assuropoil.fr

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Pet Insurance

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

Keywords

• Pet health insurance
• Animal insurance brokerage
• Dog insurance plans
• Cat insurance plans
• Veterinary expense coverage

Headquarters

HQ city

Ivry-sur-seine

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet Health Insurance Premiums: Assur O'Poil generates revenue through monthly insurance premiums charged to policyholders for pet health coverage. Premiums are calculated based on the selected formula, pet characteristics, and identification status (microchip/tattoo). The company operates as an insurance broker (courtier d'assurances) working with Swisslife as the underwriter, earning both commissions and a fixed fee of €1.50 per monthly withdrawal.
2. Multi-Animal Household Coverage: Revenue per household increases through multi-pet coverage, with 10% discount applied from the second insured animal and 15% from the fifth, encouraging additional policy subscriptions within the same family.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Assur O'Poil is a pet health insurance broker that distributes dog and cat insurance products underwritten by Swisslife. Customers select from five insurance formulas (Préventive, Intégrale, Chat +, Chien +, Confort) offering varying coverage levels, franchise structures, and reimbursement rates up to 100% of veterinary expenses for accidents, illnesses, preventive care, and surgeries. The company handles policy subscription, ongoing contract management via a digital member portal, and claims processing for over 120,000 insured pets across France, Italy, and Monaco.

Product overview

Assur O'Poil is a pet health insurance company offering two core products: Assurance Chien (dog insurance) and Assurance Chat (cat insurance), supplemented by specialized puppy and kitten insurance plans. The company provides five distinct insurance formulas (Préventive, Intégrale, Chat +, Chien +, and Confort) that vary in coverage levels and deductibles. Additional services include an assistance guarantee, a self-service member portal for claims submission, and educational blog content for pet health. The company operates under HD Assurances and is part of Pinnacle Pet Group, with Swisslife as their insurance provider.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Chien (Dog Insurance) Pet health insurance for dogs covering veterinary expenses including accidents, illnesses, consultations, surgeries, and vaccinations, with reimbursement up to 100% of costs depending on the chosen formula. Available for dogs from 2 months of age, with no breed, weight, or legal category exclusions.
• Assurance Chat (Cat Insurance) Pet health insurance for cats covering veterinary expenses including accidents, illnesses, consultations, surgeries, and vaccinations, with reimbursement up to 100% of costs depending on the chosen formula. Available for cats from 2 months of age, with no breed exclusions.
• Assurance Chiot (Puppy Insurance) Specialized puppy insurance offering early coverage for young dogs from 2 months of age, providing protection as pets grow with no reduction in guarantees over the pet's lifetime.
• Assurance Chaton (Kitten Insurance) Specialized kitten insurance offering early coverage for young cats from 2 months of age, providing protection as pets grow with no reduction in guarantees over the pet's lifetime.
• Garantie Assistance (Assistance Guarantee) Assistance guarantee bundled with Assur O'Poil policies, providing additional support services including travel assistance and emergency support for insured pets.

Quantifiable outcome

• Vet bill of €1,180 reimbursed €944 (Préventive formula, 20% franchise) and €1,150 (Confort formula)
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• SwisslifecoreStrategic or Co-development PartnerSwisslife is the insurance underwriter supplying the pet health insurance products distributed by Assur O'Poil (HD Assurances). HD Assurances operates as an insurance broker (courtier d'assurance) under Article L.521-2 II b of the French Insurance Code, working on the basis of commissions and a fixed fee of €1.50 per monthly withdrawal. Swisslife provides the underlying insurance coverage while Assur O'Poil handles customer acquisition, policy management, and claims processing.
• ZoluxminorGTM or Marketing PartnerZolux is a multi-specialist creator, manufacturer, and distributor of pet products with over 80 years of experience. They supply essential products for dogs, cats, birds, rodents, aquarium, and reptiles. Listed as a partner on Assur O'Poil's partners page, suggesting cross-promotional or content collaboration.
• DoggywalkminorGTM or Marketing PartnerDoggywalk is a free French mobile app for dog owners to meet and walk together, with geolocation and instant messaging features. Listed as a partner on Assur O'Poil's partners page, suggesting content or community collaboration targeting dog owners.
• Emmenetonchien.comminorGTM or Marketing PartnerEmmenetonchien.com is a collaborative vacation guide for dog-friendly accommodations and activities in France. Pet owners share tested recommendations with the community. Listed as a partner for cross-promotional content collaboration.
• BIOGANCEminorGTM or Marketing PartnerBIOGANCE is the first French brand of hygiene and care products for pets, formulated from BIO and natural ingredients. Products are guaranteed free of parabens, phenoxyethanol, and animal oils. Collaboration with Assur O'Poil involves content and community partnership for the pet owner audience.
• Poils à MoustachesminorGTM or Marketing PartnerOnline store selling treats, fashion accessories, and services for dogs and cats, featuring original and trendy products including Made in France items, animal disability products, and premium collections. Listed as a partner for cross-promotional collaboration.
• Verlina BiominorGTM or Marketing PartnerVerlina Bio is the first French creator of plant-based products for animals since 2001. Products are ecological, from conventional or organic agriculture, for dogs, cats, horses, chickens, rabbits, ferrets, home, and garden. Listed as a partner on Assur O'Poil's partners page.
• Bull's FriendsminorOthersBull's Friends is a volunteer group of Belgian and French animal lovers dedicated to animal placement, working across borders to help animals find loving families. Listed as an animal welfare partner.
• HoliWoofminorGTM or Marketing PartnerHoliWoof is a French vacation rental search engine for dog-friendly accommodations, featuring search filters for large/categorized dogs allowed, fenced gardens, BARF diet options, dog-sitting, and canine training. Listed as a partner for community and content collaboration.
• Toutoumatou & CominorOthersFounded in 2015 by an animal care specialist and veterinary assistant graduate, Toutoumatou & Co provides dog taxi, walking, accessory sales, and home delivery services in the Alpes-Maritimes (06), Var (83), and Monaco, with DDPP-compliant animal transport vehicles. Listed as a local service partner.
• PetBackminorGTM or Marketing PartnerPetBack is a small GPS tracking device (2.5cm diameter) designed for pets that may wander off, targeting dogs and cats. Listed as a partner on Assur O'Poil's partners page for potential product or content collaboration.
• Les Animaux de la féeminorGTM or Marketing PartnerOnline store for pet products including dogs, cats, birds, reptiles, rodents, and poultry. Listed as a partner on Assur O'Poil's partners page.
• Forever (French online store)minorGTM or Marketing PartnerFrench online store selling natural products for the family, home, and pets based on aloe vera, honey, and essential oils. Listed as a partner for cross-promotional collaboration.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Trupanion: Trupanion is a leading North American direct-to-consumer pet medical insurance provider with a similar multi-tier product architecture and direct-to-veterinary-clinic payment model. Its DTC subscription economics, breed-agnostic acceptance, and digital-first claims experience make it a strong model benchmark for Assur O'Poil's growth trajectory.
• Embrace Pet Insurance: Embrace is a US-based pet health insurance provider offering customizable wellness and accident/illness plans via direct-to-consumer online channels. Its tiered product structure, multi-pet discounts, and digital claims portal closely parallel Assur O'Poil's five-formula architecture and member portal approach.
• Many Pets (formerly Bought By Many): Many Pets is a UK-founded digital-first pet insurance provider that has expanded across multiple European markets using a direct-to-consumer model closely paralleling Assur O'Poil's online quote, multi-formula, and member portal approach. It represents a comparable pet insurance business model with pan-European scaling ambitions.
• Healthy Paws Pet Insurance: Healthy Paws is a US-based direct-to-consumer pet health insurance provider offering unlimited lifetime benefits and online claims submission. Its digital subscription model, no-network veterinary freedom, and pure accident/illness positioning parallel key elements of Assur O'Poil's value proposition.
• Pets Best: Pets Best is a US-based pet health insurance provider with multiple plan tiers and direct-to-consumer online subscription. Its three-formula product structure (Essential, Plus, Elite), multi-pet discounts, and online quote/portal model closely mirror Assur O'Poil's tiered French offering and digital-first distribution.
• SantéVet: SantéVet is the leading French pet health insurance broker and Assur O'Poil's most direct domestic competitor. Both operate as digital-first pet insurance intermediaries in France offering multi-formula dog and cat health coverage with similar customer segments and broker economics, though SantéVet commands a larger customer base and broader marketing spend.

Broad incumbents

• Direct Line Group: Direct Line is a major UK general insurance group offering pet insurance as part of a broader multi-line portfolio alongside home, motor, and travel. It represents a broad incumbent with embedded pet insurance distribution and cross-sell synergies that contrast with Assur O'Poil's pure-play pet specialist positioning.
• Petplan: Petplan is one of the longest-established pet insurance brands in the UK and US with broad multi-tier accident, illness, and wellness coverage. It serves as a broad incumbent benchmark for category leadership, lifetime coverage positioning, and veterinary network relationships that Assur O'Poil operates against at smaller scale.
• Agria Pet Insurance: Agria is the Swedish-founded pan-European pet insurance specialist and one of the largest pet insurers globally. As a sister entity to Assur O'Poil under Pinnacle Pet Group, Agila (Agria's German arm) operates as a broader incumbent in adjacent European markets with both underwriting capability and distribution at scale, offering a benchmark for fully-integrated pet insurance economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/assuropoil
• YouTubeyoutube.com/user/AssuropoilTV
• Facebookfacebook.com/Assuropoil.fr
• Instagraminstagram.com/assuropoil
• Pinterestpinterest.com/assuropoil

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 Assur O'Poil