Protect your pet against unexpected vet bills with flexible insurance designed around their age, needs and lifestyle.
Cover for accidents, illnesses and preventive care, with up to 100% reimbursement and €3,000 per year.
Free quote · No commitment · Vet of your choice
Reimbursement options up to 100% with no deductible, depending on the selected policy.
Up to 90% of claims handled within 24 hours, so pet parents are not left waiting.
Optional preventive-care support helps you stay proactive about your pet’s wellbeing.
Worldwide cover for peace of mind wherever you travel
Topcho recommends the plan best suited to your pet’s breed, age, and lifestyle.
Essential is recommended mainly for puppies and indoor kittens. At this stage, preventive care is especially important, as young pets usually need vaccines, parasite protection, check-ups, and early health support during their first year.
Suggested prevention budget €200
Plus is recommended mainly for adult pets and outdoor cats. It offers a balanced level of protection for accidents and illness, while supporting everyday preventive care. For outdoor cats, we recommend a higher prevention budget because their lifestyle can expose them to more accidents, parasites, and infectious diseases.
Suggested prevention budget €100 for adult pets/€200 for outdoor cats.
Premium is recommended mainly for senior pets aged 7 and over. As pets get older, their health needs may increase, so stronger coverage and a higher prevention budget can help support regular monitoring, check-ups, and ongoing care.
Suggested prevention budget €200
All plans include essential services to keep your pet healthy and protected
Flexible cover for puppies, adult dogs and senior companions.
Cover for kittens, indoor cats, outdoor explorers and older cats.
Enjoy a 15% discount for each additional pet registered at the same time.
The reimbursement rate is the percentage of an eligible veterinary bill that can be repaid after the claim is validated.
Example: with 80% cover, an eligible €250 bill may lead to €200 reimbursed.
The annual limit is the maximum amount reimbursed for eligible accident and illness costs during one insurance year.
Example: if the limit is €2,000 and €200 is reimbursed, €1,800 remains for that year.
Prevention is optional and lets users add a routine-care budget such as €100 or €200 depending on the product setup.
Example: vaccines, annual health check-up, deworming, teeth hygiene and selected preventive items.
Easy-to-use features:
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.
