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ANIMALS

Reader question: Is pet insurance compulsory in France?

Owning a pet can be expensive enough, but there are some breeds of animal for which additional insurance is compulsory.

Published: 16 February 2024 17:10 CET
Reader question: Is pet insurance compulsory in France?
One man and his dogs... (Photo by OLIVIER CHASSIGNOLE / AFP)

Having pet insurance is merely optional – and a pretty good idea – for most pet owners.

It is, however, a legal requirement for anyone who owns certain breeds of dogs.

What dogs must have pet insurance?

Officially, the only people who must have pet insurance against material damage or bodily harm it may cause are the owners of dangerous dogs, or guard dogs, known as 1re or 2e catégorie dogs.

Owners of these animals are obliged to have insurance guaranteeing civil liability. You can take out specific insurance, called private life civil liability.

If you have comprehensive home insurance, civil liability coverage may be included in your home insurance contract – check your level of cover to be sure.

READ ALSO What is the law on dangerous dogs in France?

Dogs for which pet insurance is required include American Staffordshire terriers, rottweilers, mastiffs, and Tosas – and dogs that are crossed with these animals.

Purebred dogs should be registered in the livre généalogique, known as livre des origines françaises (Lof) which is held and maintained by the société centrale canine, or in a similar register from another country that is recognised by society.

Not having the correct insurance for these animals leaves owners liable to a fine of up to €450.

In case of doubt, it is up to a veterinarian to determine the breed of a dog, so owners may want to obtain a veterinary certificate confirming the breed of their pet in case of a police check.

READ ALSO What you need to know about microchipping your pet in France

There are strict additional rules on keeping so-called dangerous dogs, which you can read here

What about everyone else?

If you own a different breed or dog, or another type of pet, insurance is not required.

It may, however, be a good idea – the owner of any pet is responsible for any damage that their pet may cause – whether it is in their care or has strayed – so some form of insurance may be a good idea, anyway.

READ ALSO EXPLAINED: The ways you can adopt a pet in France

Comprehensive home insurance includes civil liability coverage which may cover damage that may be caused by your animal – check your policy to be sure.

The reason that most people have insurance is to cover vet bills, which can easily run into hundreds of euro if your pet has an accident or gets ill.

If you can’t afford insurance or vet fees, there are charities that can help including the SPA and Fondation Assistance aux Animaux – more details here.

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For members

LIVING IN FRANCE

What is France’s ‘citizen service’ and who has to do it?

Although France no longer has compulsory military service, there is still a requirement for a 'citizen service' known as the JDC - and for most younger people this is compulsory, including young foreigners who take French citizenship.

Published: 24 May 2024 17:11 CEST
What is France's 'citizen service' and who has to do it?

France scrapped compulsory military service in 1997 so its teenagers are no longer required to do 10 months of square-bashing, boot polishing and cross country runs.

They are, however, required to do the Journée défense et citoyenneté (JDC) in most cases – although this at least has the benefit of being just a single day.

What is it? 

The JDC is basically a one-day course or learning exercise about your rights and responsibilities as a citizen of France.

You will receive teaching on three main areas;

  • The general issues and objectives of national defence, and on the different forms of commitment required from citizens. This part of the course is usually taught by members of the French military
  • Civics lessons – similar to those given in French schools – based on the Charte des droits et devoirs du citoyen français (Charter of rights and duties of French citizens)
  • Information on equality between men and women, on the fight against sexist prejudice and on the fight against physical, psychological or sexual violence committed within the couple

You will also be given a brief test on your knowledge of the French language. This is for everyone, not just foreigners, and language learners can feel comforted by the fact that plenty of native French people also struggle with the intricacies of their language.

You do not have to pass any kind of exam on the contents of the citizenship course – more on the curriculum here.

The course usually lasts seven and a half hours – basically a standard working day.

Who has to do it?

There are two things that young people in France must do – the recensement citoyen (citizen census) and then, in most cases, the JDC.

The recensement citoyen is compulsory for;

  • Any French citizens who are turning 16 – they must complete the registration within three months of their 16th birthday.
  • Anyone who gains French nationality between the ages of 16 and 25 – they must sign up within a month of getting their citizenship.

It is not required for people older than 25 who gain French citizenship, neither is it required for non-French citizens – even if they are long-term residents in France.

People who fail to complete the recensement citoyen when required cannot be inscribed onto the electoral rolls (and therefore cannot vote), while the certificate of completion is also usually required to enrol for French public exams or administrative exams (eg professional qualifications).

Once you have completed the census, you will then receive notice for the one-day citizenship course (JDC). This is compulsory for most people, although there are exceptions for people who have a disability or a long-term illness.

How do you do it?

First off, the recensement citoyen can be done either online or in person, if you choose the online option it is done at the local mairie.

It’s a relatively simple sign-up process and then you receive the attestation de recensement, which will be required for registering for exams. Once you have completed this, you will automatically be added to the electoral roll once you reach the age of 18.

Once this is completed, you will then receive a convocation (summons) to your one-day JDC. The letter will provide details of how and where to do the course, as well as the options to appeal if you believe you are exempt on the grounds of illness or disability.

It also gives you an autorisation d’absence exceptionnelle – authorisation of absence, which you present to your employer if you are working or an apprentice. They are then legally obliged to give you the day off to attend.

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