Vet care you've already paid for
Put a little aside each month and Petso adds 10% on top. The balance is yours — spend it at any verified vet, on anything they charge for, whenever you need it. No premiums, no claims, nothing to be approved for.
- Your money, kept separately
- Spend it any time
- 10% added by Petso
- Money back if your pet passes away
The arithmetic, in full
What happens to €40
You are charged exactly what you choose. Nothing is ever added on top.
You pay €40.00
Any amount from €5 to €500 a month
Petso adds €4.00
10% on every payment, up to €250 a year
Fee −€2.00
5% administration, taken from the credit
€42.00 is yours
In your pet's Care Balance, ready to spend
- The 5% covers payment processing. It comes out of what we credit you — never added to what you're charged — and it's identical however you pay.
- You always end up with more than you paid in.
- Amounts shown in euros; your plan uses your own currency.
Step by step
How it works, for everyone involved
Pick a side and watch it through.
You stay in control of every euro.
Choose your monthly amount
Anything from €5 to €500. Change it or stop whenever you like — the balance you've built stays yours.
Let's be precise
This is not an insurance policy
Petso is not an insurer and does not promise to cover your vet bills. What it does is simpler — and the difference matters.
Petso Care Plan
Pet insurance
Your own money, plus 10% from Petso
A premium paid to an insurer, who takes on the risk
Nothing to claim, nothing to be approved for
Every claim assessed before it's paid
No exclusions, no underwriting, no waiting periods
Pre-existing conditions and breed exclusions
Spend it on anything the vet charges for
Usually accident and illness only
Full refund if your pet passes away
Premiums paid are gone
Held separately from Petso's own money, one-for-one
Held on the insurer's balance sheet
Petso Care Plan is not an insurance policy, is not underwritten, and does not promise to cover veterinary costs. It is a prepaid membership: your own funds, plus a loyalty match, kept safely aside for your pet's care.
Three things, one record
Built on records your vet can actually trust
Everything below runs on the same verified history — the one your vet writes and you control.
Petso Verify
For insurers, shelters and authorities
A microchip number or Pet DID returns cryptographically verified identity, vaccination and clinical records — but only with the owner's consent, only what they allowed, and only for as long as they allowed.
Petso Score
For you, and anyone you show it to
An explainable health score from 300 to 900, with the reasons behind it and what would raise it. You see exactly what a partner sees — nobody is scored behind their back.
Petso Care Plan
For your pet's care budget
Prepaid vet care with a 10% match from Petso. Your own money, kept safe and separate, spendable at verified vets on whatever your pet actually needs.
Petso Verify
Your pet's records, released only by you
When an insurer, shelter or authority needs to confirm who a pet is and what care it has had, they ask Petso. What they get back is cryptographically verified — and it only leaves Petso because you said it could.
- Consent is scoped: they see the categories you allowed, and nothing else.
- Consent is time-bound, and you can revoke it in one tap.
- Every disclosure is written to a log you can read — who, what, when.
Petso Score
A health score with its reasons attached
From 300 to 900, built from verified records — vaccination completeness and timeliness, preventive-care rhythm, recorded weights, verified certificates. It arrives with the factors that moved it and what would raise it.
- You see exactly the score a partner sees. Nobody is scored behind their back.
- If there isn't enough verified history yet, it says so rather than guessing.
- It never touches your personal details — no address, nothing about you.
Nothing is ever refused by a machine on its own. Anything flagged goes to a person to look at, as the law requires.
Getting your money back
It stays your money
Four ways it comes back to you, written down plainly.
First 14 days
Change your mind and everything comes back, including the administration fees you've paid. No questions.
If your pet passes away
The full balance returned — no fee, no minimum term, no yearly limit. Or it transfers to another pet in your household. Whichever you'd rather.
After three months
Your own funds back, less a €50 administration fee capped at 20% of the balance — so on a €60 balance it's €12, not €50. One refund per pet a year.
If we can't find you a vet
No verified practice within reach? The fee and the minimum term are both waived. That one's on us.
Questions people actually ask
Is this pet insurance?
No. There is no premium, no claim to file, no exclusions and nothing to be approved for. It is your own money set aside for your pet, with 10% added by Petso. Petso is not an insurer and does not promise to cover your vet bills.
What can I spend the balance on?
Anything a verified practice charges for — routine check-ups, vaccinations, dental work, preventive treatment, prescription food. It isn't restricted to emergencies or illness, which is the main difference from an insurance policy.
What happens if my pet passes away?
You get the full balance back, with no administration fee, no minimum term and no yearly limit. If you'd prefer, it transfers to another pet in your household instead — also with no fee. This has no conditions attached.
How does the 10% match work?
Petso adds 10% of whatever you pay, on every payment, up to €250 per pet per year. It's calculated on the amount you paid, and it's credited at the same moment your payment settles.
What is the 5% administration fee?
It covers payment processing. It is deducted from the amount credited to your balance — it is never added to what you are charged, and it is exactly the same whichever way you pay. You are always charged the amount you chose, to the cent.
Can I stop or change my plan?
Any time. Stopping ends future payments; the balance you've already built stays yours and stays spendable. You can also change the monthly amount whenever you like.
Who can see my pet's records?
Only the partners you have explicitly allowed, only the categories you chose, only for as long as you allowed — and you can revoke access instantly. Every single look-up is recorded in a log you can read.
How do I pay?
By card, and in euro markets also by SEPA Direct Debit or iDEAL. The administration fee is identical whichever you pick — it is never a card fee.
Start setting money aside for your pet
Pick an amount, and Petso adds 10% to every payment. It stays your money, and you can stop whenever you like.