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Why is it a good idea to insure your pet?

  • You can tailor your pet’s insurance cover according to your needs by adjusting the insured amount and the level of protection.
  • A simple deductible ensures you are covered for smaller veterinary fees too. For cat and dog insurance the excess is 35%, while for horse insurance it is 25% of the costs.
  • A veterinary surgeon offers medical advice remotely via video call. If Pet Insurance includes three free remote vet appointments.
  • Instant reimbursement service at partner clinics in more than 30 locations – simplifies your visits to the vet because you get an immediate decision on reimbursement at the veterinary clinic. 
  • Quick and uncomplicated claims handling. Up to 90% of pet insurance claims are processed within 24 hours and you receive the payout to your account quickly and effortlessly!
Dog Insurance
Cat Insurance
Horse Insurance
Policy period
Terms and Conditions and Guides

More about Dog Insurance

You can insure your four-legged friend from when it is a six week-old puppy up to the age of seven years, whether you have a pedigree or a mixed breed dog. The most comprehensive insurance policy covers the cost of veterinary care as well as the loss of the dog if it got lost, has been stolen or died.

You can choose whether to receive reimbursement of veterinary fees and diagnostic tests prescribed by a veterinary surgeon up to a total of EUR 1,000, EUR 2,000 or EUR 3,000 per policy period.

Insurance options
What does the dog insurance cover?Veterinary fees and death benefitVeterinary feesDeath benefit

Veterinary examinations and tests, treatment and medicines

XX

RX-ray examination, MRI and ultrasound scan

XX

Remote veterinary service

XX

If your dog dies

XX
If your dog is lost or stolenXX
Optional extras:

Rehabilitation coverage (optional add-on for veterinary fees) – We reimburse rehabilitative treatments, including physiotherapy, acupuncture and chiropractic treatment, prescribed by a veterinary surgeon in connection with treatment of illness or injury. 

Rehabilitative treatments are covered up to a maximum of EUR 300 per policy period (one year).

Third party liability coverage – We cover damage or injury caused by the dog to a person who is not a member of the owner's household and their property up to EUR 85 000.

The deductible is EUR 150 per claim.

More about Cat Insurance

This insurance lets you protect your cat if it gets sick or is injured and ensures that the cat always receives good care. 

You can insure your cat provided it is healthy and is at least six weeks and no more than seven years old. You can choose whether you want the insurance to cover veterinary fees, death of the cat or both.

You can choose whether to receive reimbursement of veterinary fees and diagnostic tests prescribed by a veterinary surgeon up to a total of EUR 1,000, EUR 2,000 or EUR 3,000 per policy period.

Insurance options
What does the cat insurance cover?
Veterinary feeVeterinary fees and death benefitDeath benefit
Veterinary examinations and tests, treatment and medicinesXX
RX-ray examination, MRI and ultrasound scanXX
Remote veterinary serviceXX
If the cat diesXX
If your cat is lost or stolenXX

More about Horse Insurance

You can insure your horse with If from the time the horse is ten days old up to the age of 16 years.

You can choose between two levels of insurance cover for your horse: Veterinary fees Standard or Veterinary fees Broad. Add-on extras are available for both options. Life coverage can also be purchased separately.

Insurance options
What does the horse insurance cover?Broad StandardLife coverage
Wide range of veterinary fees covering most diseases and injuries, ranging from respiratory infection to skin problems. In addition, the insurance covers medicines and dressing materials prescribed by a veterinary surgeon, as well as any necessary laboratory tests and ultrasound scans, X-rays and MRI scans.  
X
Remote veterinary service. You are entitled to three free appointments in 2021.X
Veterinary fees in the case of certain diseases, and medicines and dressing materials prescribed for treatment of these diseases, any necessary laboratory tests and ultrasound scans, X-rays and MRI scans.XX
Up to a maximum of EUR 2,000, EUR 4,000 or EUR 6,000 per policy period. You choose the insured amount yourself.
XX
You will receive compensation, if your horse dies due to an accident or illness.
X
You will receive compensation in the event of euthanasia of the horse.X
You will receive compensation if your horse is lost or stolen in Finland.X
You can extend cover for your horse:

Life coveragein case of loss of the horse. We will reimburse an amount up to the value of the horse at the time of the accident without deductible.

Foetus and foal coverage – The cover reimburses the care costs of the foal up to one month of age. The protection also includes compensation in the event of loss of the foetus or foal.

  • You will receive compensation for spontaneous abortion. 
  • You will receive compensation for a stillborn foal. 
  • You will be reimbursed for the veterinary fees for the foal. 
  • You will receive compensation if the foal dies.

Pet insurance policy period

The insurance is valid in Finland and temporarily in the Nordic countries, everywhere in the EU and in Switzerland. Temporarily means a period of up to one year. If the policyholder knows that the animal will be away from Finland for more than one year, the animal will be insured for not more than three months from the date of its transfer.

Dog

  • Veterinary fees coverage, Rehabilitation coverage and Third party liability coverage are valid throughout the life of the animal.
  • Life coverage ceases when the animal turns 10 years old.

Cat

  • Veterinary fees cover is valid throughout the life of the animal. 
  • Life coverage ceases when the animal turns 10 years old.

Horse

  • Standard veterinary fees cover, Broad veterinary fees cover and Life coverage cease when the horse turns 22 years old.
  • Third party liability coverage is valid throughout the life of the horse.

  

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