Compare Pet Insurance in Norway

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18 live offers compared from 11 providers, from kr109 /month. Updated daily.

What is pet insurance in Norway?

Pet insurance (dyreforsikring or dyreforsikring for hund og katt) covers veterinary costs when your dog, cat or other animal is ill or injured. Norway has no public animal-health service, so vet bills fall entirely on the owner, and a serious operation can run into tens of thousands of kroner. A policy reimburses eligible treatment costs up to an annual limit, and many also include a life cover element that pays out if the animal dies or must be put down.

How the Norwegian market works

Policies split into veterinary-expense cover (veterinærutgifter), which pays treatment bills, and life cover (livsforsikring), which pays a sum if the pet dies. You choose an annual reimbursement limit, and an excess applies as a fixed amount plus a percentage of each claim (fast og rørlig egenandel). Insurers set age limits and often exclude pre-existing conditions and some breed-specific ailments. Dogs cost more to insure than cats, and premiums rise as the animal ages. Vet clinics frequently bill the insurer directly.

Benefits

Predictable costs — A fixed monthly premium replaces the risk of a sudden five-figure vet bill.

Higher treatment ceilings — Insurance lets you say yes to expensive surgery or long-term care.

Life cover option — A payout if your pet dies or must be euthanised for a covered reason.

Extras — Some policies add medicines, rehabilitation, dental and travel cover.

How to choose

Match the annual veterinary limit to the real cost of major surgery, since a low ceiling can be exhausted by one serious illness. Compare the excess structure, because the percentage element (often around 20 percent) shapes what you actually pay on large claims. Check age limits, breed exclusions and whether chronic conditions are covered year after year. Insuring young and building an unbroken claims history helps avoid later exclusions.

Leading providers in Norway

Agria is a specialist Nordic pet and animal insurer with strong coverage. Gjensidige, Frende and Codan offer pet cover alongside their general insurance ranges. Newer digital players such as Lassie compete on app-based convenience and preventive care, while Norsk Husdyrforsikring and Petfam serve niche and breeder needs. DNB also distributes pet cover to its customers.

What it costs

Monthly premiums typically range from around 109 NOK for a young cat on modest cover up to about 420 NOK or more for a dog on a higher limit, with older animals and certain breeds costing more. On top of the premium you pay the excess when you claim: a fixed amount plus a percentage of the bill. Higher annual limits and lower excess raise the premium.

Protections and regulation

Pet insurers are authorised and supervised by Finanstilsynet. Policies must follow Norwegian insurance-contract law, with clear terms on exclusions, waiting periods and claims. If a claim is rejected or you dispute a settlement, you can bring the case to Finansklagenemnda. Insurers must disclose age limits and pre-existing-condition rules before you buy.

Common questions

Are pre-existing conditions covered? Generally no; conditions present before the policy started are usually excluded, so insure young and healthy.

Does the vet bill the insurer directly? Many Norwegian clinics settle directly with the insurer, so you pay only the excess.

Can I insure an older pet? Yes, but premiums are higher and some insurers apply upper age limits for new veterinary cover.

Pet Insurance in Norway — FAQ