Kozoo
Pet insurance for dogs and cats, built around modular coverage and fast reimbursement
Overview
Kozoo is a pet insurance MGA in France offering health coverage for dogs and cats sold directly to individual pet owners. Founded in 2020 and based in La Rochelle, the company designs and manages modular insurance products while partnering with regulated carriers for underwriting capacity.
Customers select reimbursement rate (50-100%), annual reimbursement ceiling (EUR 1,000 to EUR 3,000), and deductible (EUR 0, EUR 30, or EUR 50). Coverage applies to accidents, illnesses, hospitalizations, chronic disease treatments, and surgical interventions, with claims processed within 48 hours through a cloud-based platform. Policies cover animals aged 2 months to 12 years with lifetime renewal available.
Kozoo distributes directly through its website and mobile applications (iOS and Android), covering metropolitan France, Corsica, French overseas territories, and international travel for up to three months. The company is registered with ORIAS (number 20003834) as an insurance intermediary in France and is backed by Le Village by CA, a Credit Agricole-associated startup incubator.
Products & Services
Dog Health Insurance
Health coverage for dogs starting at EUR 4.57/month.
Key Features
- Accidents, illnesses, hospitalizations, and surgical interventions
- Chronic disease treatments
- Reimbursement rate: 50-100% (customer-selected)
- Annual reimbursement ceiling: EUR 1,000 to EUR 3,000 (customer-selected)
- Deductible: EUR 0, EUR 30, or EUR 50 (customer-selected)
- Coverage ages: 2 months to 12 years
- Lifetime renewal option
- 48-hour reimbursement target
Target Users: French dog owners seeking modular, digital-first pet insurance.
Distribution: Direct-to-consumer via website and mobile app
Cat Health Insurance
Health coverage for cats starting at EUR 4.65/month.
Key Features
- Accidents, illnesses, hospitalizations, and surgical interventions
- Chronic disease treatments
- Reimbursement rate: 50-100% (customer-selected)
- Annual reimbursement ceiling: EUR 1,000 to EUR 3,000 (customer-selected)
- Deductible: EUR 0, EUR 30, or EUR 50 (customer-selected)
- Coverage ages: 2 months to 12 years
- Lifetime renewal option
- 48-hour reimbursement target
Target Users: French cat owners seeking modular, digital-first pet insurance.
Distribution: Direct-to-consumer via website and mobile app
24/7 Veterinary Telemedicine
Unlimited remote veterinary consultations via video for all policyholders, delivered through a partnership with Liv'Vet at no additional cost.
Key Features
- Unlimited video consultations with licensed veterinarians
- Available 24/7 with no additional charge
Target Users: All Kozoo policyholders.
Distribution: Included with all pet health insurance policies