Swedish pets are amongst the most insured in the world. In 2018 it was estimated that an approximate 57% of pets were insured in Sweden. That is quite a lot even compared to other Nordic countries.
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Why this is the case may be due to a variety of reasons.
- Some believe it has to do with Sweden being one of the original animal welfare countries.
- Some say that pet insurance has just been around for so long that it has become the common practice. The first animal insurance policy in Sweden is believed to have been made in 1890.
- Some Swedes insure their pets because they consider them part of the family.
- Some are just afraid of the massive veterinary bills. Pet care is very expensive in Sweden and not covered by the government like Swedish health care for humans.
- And finally, some think that insurance is just part of the Swedish way of life.
Where to insure my pet
There are many different places to insure your pet. Some insurance companies that are specialized in pets are:
- Svedea* – dogs and cats
- Moderna Försäkringar* – dogs and cats
- Agria – dogs, cats, horses and small animals and birds
- ICA Försäkringar* – dogs and cats
What type of pet insurance are there?
Different insurances include different types of help. Make sure you research before signing so that you get exactly what your pet needs. Some common insurances for pets are:
- Veterinary care insurance gives you reimbursement for costs at the vet’s above your excess.
- Life insurance provides compensation equivalent to the pets value if your pet dies, needs to be put to sleep, runs away or is stolen.
- Rehabilitation insurance reimburses you for costs in relation to stretching and massage when the pet gets a muscle injury.
- Breeding insurance will reimburse you for lost income if your pet is unable to breed.
Some things to keep in mind
- Compare insurances to find which one fits your needs best. And make sure to check the fine print.
- Do your home work and check the rules and prices regarding excess vs monthly costs. You can often get a cheaper monthly payment if you accept a higher excess cost. However these excess costs can get rather steep, so just make sure you check what you can afford before signing anything.
- Check if the breeder of your pet (if there is a breeder that is) has an insurance.
- Check if your home insurance covers any costs for your pet.
- Most insurance companies cover dogs and cats. Make sure the insurance company covers the particular type of pet you have.
- Some usual problems in animals due to excessive breeding (for instance the eye decease entropion in Shar-pei dogs) are considered so common that most insurance companies do not cover this in their insurance. Make sure you check if the breed of your pet comes with special clauses.
- The age of your pet can affect the insurance. Just read up on this to avoid unpleasant surprises.
What if my pet gets sick?
If your pet does become sick, do a search for your nearest veterinarian (veterinär + the name of your town) or contact an online vet service.
There are a few options for online veterinarians and one of them that we collaborate with is called First Vet*. You talk to a veterinarian via video call and the service is free if you have a pet insurance with most Swedish animal insurance.