Understanding the costs of hospitalisation
Veterinary hospitalisation includes several types of expenses: specialised medical procedures, advanced medical equipment, and round‑the‑clock monitoring. Depending on the length of the stay or the complexity of the condition, the bill can amount to several hundred or even several thousand euros. Imaging tests, laboratory analyses, anesthesia, and post-operative care all contribute significantly to the total cost. Expenses also vary depending on the nature of the pathology: a simple fracture does not carry the same cost as an obstruction, heart disease, or cancer requiring surgery, intensive care, and long-term follow-up.
Rising veterinary costs and an emotional challenge
In Luxembourg, as across the rest of Europe, veterinary service costs have risen by around 30% in recent years[1]. Some of the reasons for this is due to the increasing specialisation among veterinary teams and significant investment in ever more advanced equipment. At a time when many owners consider their pet a full member of the family, this rise in costs can lead to delaying, adapting, or sometimes even foregoing recommended treatment, which has a direct impact on the animal’s health and well-being.
Planning ahead to protect your pet and your budget
Prevention, through vaccinations, regular check‑ups, and prompt action at the first signs of illness, helps reduce certain risks without eliminating them completely.
Taking out pet health insurance, such as happy pet, offered by Foyer, helps anticipate these situations. It provides structured cover, including reimbursement for surgical and hospitalisation costs, numerous examinations and treatments, and with an annual ceiling of up to €3,500. The coverage can offer 100% reimbursement under certain conditions and no excess to limit out‑of‑pocket expenses.
This solution allows owners to follow their veterinarian’s recommendations with greater peace of mind, balancing quality care, protection for their pet, and better control of their budget.
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Foyer Assurances
T.437 43 44
[1] https://www.euronews.com/business/2025/08/22/rising-vet-costs-and-abandonment-are-putting-europes-pets-at-risk