Kozoo Pet Insurance

Kozoo Pet Insurance is a French digital pet insurance operated by Kozoo SAS, headquartered in Paris, France. The product launched in 2017 and currently sits as privately held; underwritten by Wakam (formerly La Parisienne Assurances). It addresses the french digital pet insurance segment with a defined tier ladder (Essentiel / Intermédiaire / Premium) and a public anchor price around from ~10-30 EUR/month per pet. This 2026 review summarises the operator, plan structure, key features, recent product direction and Subger's tracking tools so subscribers can decide whether to commit.

Quick facts

• Operator: Kozoo SAS
• Headquarters: Paris, France
• Founded / launched: 2017
• Public-market status: privately held; underwritten by Wakam (formerly La Parisienne Assurances)
• Tier ladder (2026): Essentiel / Intermédiaire / Premium
• Anchor price reference: from ~10-30 EUR/month per pet
• Primary delivery surfaces: Kozoo iOS app, Android app, Web

What is Kozoo Pet Insurance?

Kozoo Pet Insurance is a French digital pet insurance product run by Kozoo SAS out of Paris, France. It serves customers who want french digital pet insurance from a named operator with a transparent tier ladder rather than a generic aggregator. The service is sold direct on the operator's site and supporting apps, with billing in the relevant local currency. The 2025-2026 product emphasis follows the operator's broader investment pattern — incremental feature releases, expanded regional availability and tier-ladder refinement.

Category positioning

Kozoo Pet Insurance is positioned as competing with SantéVet, Goodflair and other French digital pet insurers. That framing matters because french digital pet insurance is crowded with both global aggregators and regional incumbents, and the tier structure plus pricing anchor determine whether the product is worth the commitment versus a direct alternative.

Operator and corporate context

Kozoo SAS is the named legal entity behind Kozoo Pet Insurance, with primary operations from Paris, France. The corporate status is: privately held; underwritten by Wakam (formerly La Parisienne Assurances). That ownership matters for buyers who care about regulatory regime, data-handling jurisdiction and long-term product viability.

Why choose Kozoo Pet Insurance

Tier-ladder fit

The tier ladder is built around: Essentiel / Intermédiaire / Premium. The anchor reference price is from ~10-30 EUR/month per pet, with the per-tier comparison in the pricing table below. Confirm live regional prices on the operator's site and use Subger's true-price tracker for Kozoo Pet Insurance to capture the all-in renewal cost after taxes, FX and any post-promotional step-ups.

2025-2026 product direction

Through 2025-2026 Kozoo expanded its preventive care budget and partnered with French vet networks for faster claims.

Feature mix

The current feature set spans both the core capability and operator-specific extras. Buyers should weigh the per-tier feature gating against the recurring cost, and consult the deals page for Kozoo Pet Insurance for any active discount that materially shifts the value calculation.

Kozoo Pet Insurance features that matter in 2026

Highlights of the current feature set:

• French pet insurance for dogs and cats
• 100% digital onboarding
• direct reimbursement via app
• 24/7 vet phone consultation
• multi-pet discounts
• prevention budget for routine care

The most material change for 2026 buyers is the operator's continued investment in the surfaces above plus the 2025-2026 update noted earlier. Promotional first-period anchors that step up at renewal remain the single most common source of unexpected charges in this category — use the true-price tracker to track those step-ups.

Kozoo Pet Insurance pricing in 2026

The anchor reference for 2026 is from ~10-30 EUR/month per pet. The full tier comparison:

Subger pairs the public price with the actual all-in cost (taxes, FX conversion, and promotional first-period anchors that may step up at renewal):

Kozoo Pet Insurance apps and platform support

Who Kozoo Pet Insurance fits

Kozoo Pet Insurance is a good match for:

• The category-focused subscriber who wants french digital pet insurance delivered by Kozoo SAS rather than a generic global aggregator.
• The mainstream household subscriber evaluating the tier ladder (Essentiel / Intermédiaire / Premium) against from ~10-30 EUR/month per pet pricing.
• The 2026 buyer who specifically wants the operator's most recent feature additions and an active product roadmap as outlined above.
• The cross-device user who needs surfaces such as Kozoo iOS app, Android app, Web with a credible upgrade path as new devices are added.
• The price-sensitive shopper who wants to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Cancellation and billing surface

The cancel surface depends on where you signed up:

• Web account — log in at the operator's site, open billing/subscription, and cancel before the renewal date.
• iOS App Store / Google Play — if you subscribed through the app, cancel inside Apple ID or Google Play subscriptions, not just by uninstalling the app.
• Through a partner / reseller — some regional plans are sold through banking, telecom or retail partners; cancellation must run through that partner's billing surface.

Subger's cancel guide for Kozoo Pet Insurance walks through each surface step by step.

How Subger tracks Kozoo Pet Insurance

Subger maintains a continuously-updated reference for Kozoo Pet Insurance subscribers:

• The true-price tracker for Kozoo Pet Insurance records list-price changes plus historical promotional anchors.
• The deals page for Kozoo Pet Insurance surfaces active discounts and limited-time offers.
• The promo codes page for Kozoo Pet Insurance lists stackable codes for new and existing subscribers.
• The cancel guide for Kozoo Pet Insurance explains how to terminate cleanly across each billing surface.

Frequently asked questions

What is Kozoo Pet Insurance and who operates it?

Kozoo Pet Insurance is a French digital pet insurance service operated by Kozoo SAS from Paris, France. The product launched in 2017 and currently sits as privately held; underwritten by Wakam (formerly La Parisienne Assurances). It serves the french digital pet insurance category through the surfaces listed above.

How much does Kozoo Pet Insurance cost in 2026?

The current tier ladder is Essentiel / Intermédiaire / Premium. The anchor reference is from ~10-30 EUR/month per pet. Local-currency pricing, promotional first-period anchors and bundled discounts can shift these numbers — confirm the live price on the operator's site and via the true-price tracker before committing.

Is there a free tier or trial for Kozoo Pet Insurance?

The lowest tier in the current ladder is Essentiel at ~10 USD. Whether it counts as a free tier or a trial depends on the operator's regional offer; the deals page for Kozoo Pet Insurance shows any active free-trial promotions.

What changed for Kozoo Pet Insurance in 2025-2026?

Through 2025-2026 Kozoo expanded its preventive care budget and partnered with French vet networks for faster claims. Buyers should re-check the tier ladder before renewal, since regional pricing and feature gating sometimes change without retroactive grandfathering.

How is Kozoo Pet Insurance positioned versus alternatives?

Kozoo Pet Insurance is positioned as competing with SantéVet, Goodflair and other French digital pet insurers. The right alternative depends on whether you prioritise this operator's specific tier ladder, regional coverage and corporate backing over a competitor's feature mix.

How do I cancel Kozoo Pet Insurance?

Use the same surface where you signed up (web, App Store, Google Play or partner billing). Subger's cancel guide for Kozoo Pet Insurance covers each surface step by step.

Related Subger references

• True-price tracker for Kozoo Pet Insurance
• Deals page for Kozoo Pet Insurance
• Promo codes for Kozoo Pet Insurance
• Cancel guide for Kozoo Pet Insurance