Help with eligible veterinary costs when your pet becomes unexpectedly ill.
Routine veterinary check-ups to help monitor your pet’s health.
Coverage for eligible tests, laboratory analyses, X-rays, ultrasound, CT scans and MRI examinations.
Support for vaccines to help protect your pet from common diseases.
Support for more serious conditions requiring hospitalisation, surgery, clinic stays, or emergency transport by animal ambulance.
Help with internal and external parasite prevention.
Reimbursement for eligible medicines and care prescribed by a veterinarian.
Support for eligible dental scaling and preventive dental care.
Cover for unexpected accidents such as wounds, fractures, burns or poisoning.
Preventive care ncludes eligible services such as osteopathy, physiotherapy, acupuncture or other listed wellness treatments.
Choose the reimbursement level that best suits you, depending on your plan and your companion’s age.
Adjust your annual reimbursement limit to your budget and your dog’s or cat’s health needs.
Because waiting for a response after a veterinary emergency is often the last thing you need, most claims are processed within 24 hours.
Add a preventive care option with an annual budget of €100 or €200 for everyday veterinary care
Select the level of cover that suits your pet and your budget.
You remain free to choose your veterinarian or veterinary clinic.
Send the required documents after eligible veterinary care.
Get quick reimbursements based on your selected plan.
Topcho also supports animal welfare associations and organisations through awareness initiatives, partnerships, and solidarity actions to help more dogs and cats receive the care they need, even while they are still waiting for a family.
Topcho pet insurance helps reimburse eligible veterinary and pharmaceutical expenses if your dog or cat becomes ill or has an accident. Depending on the option you choose, it can also include reimbursement for certain preventive care expenses.
Topcho pet insurance is available for dogs and cats aged over 2 months and under 9 years at the time of membership. The pet must belong to the insured member and be listed on the membership certificate.
Topcho offers three plans: Topcho Essential, Topcho Plus and Topcho Premium. Each plan includes accident and illness cover, with different reimbursement rates and annual limits.
Topcho Essential reimburses 60% of eligible expenses up to €1,000 per year. Topcho Plus reimburses 80% up to €2,000 per year. Topcho Premium reimburses 80% or 100%, depending on your pet’s age at membership, up to €3,000 per year.
Depending on your plan, eligible expenses may include veterinary consultations, prescribed care and medicines, laboratory tests, X-rays, ultrasound, CT scans, MRI exams, hospitalisation, surgery, anaesthesia, clinic stay expenses, and animal ambulance in the event of covered illness or accident.
Preventive care is available as an optional package with all Topcho plans. It can help reimburse everyday wellness care such as vaccines, deworming, antiparasitic treatments, dental scaling, annual check-ups, sterilisation or castration, and selected complementary therapies.
You can submit a claim through myTopcho or by email. Claims must be declared within 5 days after you become aware of the event.
Claims are covered worldwide, but reimbursement is made in France and in euros.
You may withdraw within 14 days after the effective date of membership, subject to the contract terms. After the first year, termination may be requested according to the cancellation conditions set out in the contract.
The premium depends on the selected plan, your pet’s age, and your pet’s breed. The amount is shown in the membership certificate.
