Jim and Joe

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.

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

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

• Pet health insurance
• Dog insurance
• Cat insurance
• Veterinary expense coverage
• Digital pet insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core 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

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• SantévetcoreStrategic or Co-development PartnerSantévet 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

Broad 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

• Facebookfacebook.com/jimetjoe

Revenue estimate

Valuation estimate

Number of profiles

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 Jim and Joe