S výjimkou mikročipu má držitel psa všechno.

S výjimkou is a fixed expression meaning with the exception of or more naturally except for / apart from.

So:

• S výjimkou mikročipu = except for the microchip

It is a common formal or semi-formal way to introduce an exception.

Because s výjimkou is followed by a noun in the genitive.

The basic form is:

• mikročip = microchip

But after s výjimkou, it changes to the genitive singular:

• s výjimkou mikročipu

So this is not the subject of the sentence; it is part of the phrase meaning except for the microchip.

Yes, the preposition s by itself often takes the instrumental, for example:

• s kamarádem = with a friend

But here, s is part of the fixed expression s výjimkou.

Inside that expression:

• výjimkou is instrumental singular of výjimka
• the noun after it, such as mikročipu, is in the genitive

So you should learn s výjimkou + genitive as one whole pattern.

Literally, držitel psa means holder of a dog, but in many contexts it is best translated as dog owner or person responsible for the dog.

Word by word:

• držitel = holder, possessor, registered holder
• psa = of a dog

This word držitel often sounds a bit more formal or legal than everyday majitel.

Because psa is in the genitive singular.

Here psa depends on držitel:

• držitel čeho? = holder of what?
• držitel psa = holder/owner of a dog

The dictionary form is:

• pes = dog

But in the genitive singular it becomes:

• psa

So držitel psa is a noun phrase meaning dog owner.

The verb má is 3rd person singular, so the subject must also be singular.

In this sentence, the noun in the nominative is:

• držitel = the holder/owner

So:

• držitel psa má všechno = the dog owner has everything

Meanwhile:

• mikročipu is genitive after s výjimkou
• psa is genitive depending on držitel
• všechno is the object of má

That leaves držitel as the subject.

Má is the 3rd person singular form of mít = to have.

So:

• má = has

In this sentence:

• držitel psa má všechno = the dog owner has everything

Všechno means everything.

It is a very common neuter singular form used when talking about things in general.

So:

• má všechno = has everything

You may also see vše, which is a bit more formal or written in style:

• má vše = has everything

But všechno is very natural and common.

The core sentence is:

• Držitel psa má všechno.
• The dog owner has everything.

Then the exception phrase is added at the beginning:

• S výjimkou mikročipu má držitel psa všechno.

So the structure is roughly:

• Except for the microchip, the dog owner has everything.

Czech word order is flexible, but putting S výjimkou mikročipu first makes the exception the main focus.

Yes. Czech allows several word orders, depending on emphasis. For example:

• Držitel psa má všechno s výjimkou mikročipu.

This means essentially the same thing.

The version with the exception phrase first:

• S výjimkou mikročipu má držitel psa všechno.

puts more emphasis on the one missing thing.

Not always. In everyday speech, many speakers would more naturally say:

• majitel psa = dog owner

Držitel sounds more formal, administrative, or legal. It is the kind of word you might see in regulations, forms, or official instructions.

So:

• majitel psa = everyday owner
• držitel psa = more formal/legal holder/owner

Yes. A very common alternative is kromě.

For example:

• Kromě mikročipu má držitel psa všechno.

This also means Except for the microchip, the dog owner has everything.

A rough comparison:

• s výjimkou = slightly more formal
• kromě = very common and often more conversational

Both are useful to know.

A simple approximate pronunciation is:

• s VEE-yeem-kohw MIK-roh-chee-poo

A few notes:

• výjimkou has a long ý
• č in mikročipu sounds like ch in chocolate
• final -u in mikročipu is pronounced clearly

If you want to say it more naturally, try grouping it like this:

• S výjimkou | mikročipu | má držitel psa všechno

Yes — this sentence is a good example of Czech case stacking. Here is the breakdown:

• S výjimkou → fixed expression
• mikročipu → genitive singular
• držitel → nominative singular subject
• psa → genitive singular after držitel
• všechno → object of má

So even though the sentence is short, it contains several different grammatical relationships. That is very normal in Czech.

A very useful pattern is:

• S výjimkou + genitive, X má Y.
• Except for + noun, X has Y.

For example:

• S výjimkou podpisu je všechno připravené.
  • Except for the signature, everything is ready.

And another useful pattern is:

• držitel/majitel + genitive
• holder/owner of something

For example:

• majitel auta = owner of a car
• držitel průkazu = holder of an ID/card/certificate

So this sentence teaches both an exception phrase and a noun + genitive construction.