Jim and Joe
Jim & Joe is a French digital-first pet health insurance sub-brand of Santévet, offering 50% reimbursement subscription plans for dogs and cats via its mobile app and website, with 48-hour reimbursement turnaround.
- Company typePrivate
- Founded-
- HeadquartersLyon, France
- Headcount—
- GTM typeB2C
- OfferingServices
What Jim and Joe does
Jim & Joe is a French digital-first pet health insurance brand that underwrites subscription-based accident and illness coverage for dogs (from €11.99/month) and cats (from €7.99/month). The company reimburses 50% of eligible veterinary expenses and includes a prevention budget covering annual vaccinations and antiparasitic treatments. Jim & Joe is operated as a sub-brand of Santévet, the established French pet insurance specialist, which provides the underwriting infrastructure, claims processing, and customer service operations. The company distributes exclusively through digital channels — its website (jim-joe.fr) for quote-and-bind, and native iOS and Android mobile applications for policy management and digital claims submission, with reimbursement delivered via bank transfer within 48 hours.
The technology stack is a standard mobile-app-plus-web-portal architecture rather than a proprietary insurance core: the Jim & Joe mobile app and online customer portal handle the policyholder-facing workflow, while claims administration, underwriting, and policy servicing are handled by the parent Santévet platform (referenced via Santévet URLs in the FAQ and reimbursement flows). Proprietary features are limited to two customer-facing differentiators: a fully digital claims submission flow that eliminates paper, and a 48-hour reimbursement turnaround guarantee. No APIs, SDKs, third-party integrations, or AI/ML capabilities are disclosed.
The business model is a straightforward subscription-recurring revenue stream from monthly or annual premiums paid by individual French pet owners. Pricing is tiered by species (cats vs. dogs) and is positioned as a budget-tier alternative to traditional French pet insurers. The go-to-market is product-led growth via the website quote engine and app store presence, supported by organic social media and a comprehensive FAQ section. The customer base is split horizontally between cat and dog owners across France, with no enterprise or institutional customers and no disclosed headcount, revenue, or funding data.
Jim and Joe firmographics
Firmographics- Name
- Jim and Joe
- Legal name
- Jim & Joe
- Website
- https://jimetjoe.com
- Company type
- Private
- Operating status
- Operating
- Short description
- Jim & Joe is a French digital-first pet health insurance sub-brand of Santévet, offering 50% reimbursement subscription plans for dogs and cats via its mobile app and website, with 48-hour reimbursement turnaround.
- Ownership category
- akta.pro rank
Jim and Joe industry classification
Industry- Product category
- Pet Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
- akta.pro secondary industry
- Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)
Keywords
Where Jim and Joe is headquartered
LocationHeadquarters
- HQ city
- Lyon
- HQ country
- France
- HQ region
- Europe
Markets served
Jim and Joe business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Pet Health Insurance Subscriptions: Jim & Joe generates revenue through monthly and annual subscription fees for pet health insurance plans. Customers pay recurring premiums to cover veterinary expenses for their dogs and cats, including accidents, illnesses, and preventive care. The company offers tiered coverage levels with different price points.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cat Insurance Plan - Starting at €7.99/month |
| Subscription | Monthly | Dog Insurance Plan - Starting at €11.99/month |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Jim and Joe product offering
Product offeringCore offering
Jim & Joe sells subscription-based pet health insurance plans for dogs and cats that reimburse 50% of veterinary expenses for accidents and illnesses, with an included annual Prevention Budget for vaccinations and antiparasitic treatments. Policies are distributed and serviced entirely online through a website and mobile application, with reimbursement via bank transfer within 48 hours of claim processing. The business is operated as a digital-first brand under its parent company SantéVet, which underwrites and administers the policies.
Product overview
Jim & Joe is a pet health insurance company offering separate insurance products for dogs and cats, with reimbursement of up to 50% of veterinary expenses for accidents and illnesses. The product portfolio consists of two core insurance offerings (Assurance Chien and Assurance Chat) complemented by a mobile application for managing policies and reimbursements. All plans are distributed exclusively online and administered through Santévet, the company's parent specialist in animal health insurance.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Chien (Dog Insurance Plan)
Quantifiable outcome
- Reimbursement of 50% of veterinary expenses
- +1 more outcomes
Companies that use Jim and Joe
Customer profileSegments2 records
Ideal customer profiles1 record
Jim and Joe technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Jim and Joe partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SantévetcoreSantévet is the parent company and specialist behind Jim & Joe pet insurance. Santévet is described as the leader and specialist in pet insurance in France, providing the quality, expertise, and guarantees behind the Jim & Joe brand. The company manages the insurance policies, claims processing, and customer service for Jim & Joe policyholders.
Recent moves3 records
Expansion highlights4 records
Jim and Joe competitors and assessment
Company assessmentBroad incumbents
- Trupanion: Trupanion is a leading North American pet insurance carrier offering direct-to-consumer veterinary expense coverage. It is a broad incumbent in the global pet insurance category with a comparable subscription reimbursement product.
- Crédit Agricole Assurances (Mon Assurance Animaux): Crédit Agricole Assurances offers pet insurance through its bancassurance channel in France. As a broad incumbent, it bundles animal coverage with banking products and competes for the same French pet owner wallet.
- Carrefour Assurance: Carrefour Assurance offers pet health insurance bundled with its mass-market retail and banking ecosystem in France. It is a broad incumbent with overlapping pet insurance products and significant distribution leverage through the Carrefour network.
- Lemonade Pet: Lemonade is a digital insurance carrier offering pet insurance as part of a broader portfolio. It shares the AI- and mobile-driven UX approach with Jim & Joe and represents the digital-native incumbent model in pet insurance.
- SantéVet: SantéVet is the parent company and the leading pet insurance specialist in France. While it underwrites Jim & Joe, it also sells pet insurance under its own direct brand with richer coverage tiers, making it a broad incumbent competitor in the same French pet insurance market.
Emerging players
- ManyPets: ManyPets (formerly Bought By Many) is a UK-based digital-first pet insurance challenger with European operations. It shares the PLG, online-only model and product-led growth orientation with Jim & Joe, even though its primary market is the UK.
Direct peers
- Assur O'Poil: Assur O'Poil is a French pet insurance specialist offering accident and illness coverage for dogs and cats. It is a direct peer competing for the same French pet owner segment with comparable subscription products.
- Kozoo: Kozoo is a French digital-first pet insurance challenger offering online subscription plans for dogs and cats. It directly competes with Jim & Joe on the same customer segment with a similar product-led, online-only model.
- Otherwise (Animo): Otherwise (formerly Animo) is a French pet insurance brand offering accident and illness plans for dogs and cats. It directly competes with Jim & Joe in the French market with similar subscription-based coverage.
- Bulle Bleue: Bulle Bleue is a French pet insurance provider offering dog and cat health coverage. It competes in the same French market with similar subscription-based reimbursement products and is a direct peer to Jim & Joe.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Jim and Joe social profiles
Digital presenceJim and Joe financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jim and Joe leadership team
Management profileNumber of profiles
Jim and Joe funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jim and Joe 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 Jim and Joe
What does Jim and Joe do?
Jim & Joe sells subscription-based pet health insurance plans for dogs and cats that reimburse 50% of veterinary expenses for accidents and illnesses, with an included annual Prevention Budget for vaccinations and antiparasitic treatments. Policies are distributed and serviced entirely online through a website and mobile application, with reimbursement via bank transfer within 48 hours of claim processing. The business is operated as a digital-first brand under its parent company SantéVet, which underwrites and administers the policies.
Is Jim and Joe a public or private company?
Jim and Joe is a private company. It is classified as corporate owned and is currently operating.
When was Jim and Joe founded?
Jim and Joe was founded in -1.
Where is Jim and Joe based?
Jim and Joe is headquartered in Lyon, France, in the Europe region.
How does Jim and Joe make money?
One revenue line is on record: pet Health Insurance Subscriptions.
Who are Jim and Joe's main competitors?
Broad incumbents on record are Trupanion, Crédit Agricole Assurances (Mon Assurance Animaux), Carrefour Assurance, Lemonade Pet and SantéVet. ManyPets is listed as an emerging player. Direct peers are Assur O'Poil, Kozoo, Otherwise (Animo) and Bulle Bleue.
Does Jim and Joe have an API?
No public API is recorded for Jim and Joe.
What industry is Jim and Joe in?
Jim and Joe's product category is Pet Health Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance, with a secondary code of FSAJAKAA, Accident & Supplemental (Non-Life) Insurance. Its NAICS code is 524114 and its SIC code is 6331.