Compare Pet Insurance in Sweden

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15 live offers compared from 12 providers, from kr99 /månad. Updated daily.

What is pet insurance in Sweden?

Sweden has one of the highest rates of pet insurance in the world, and veterinary care here is not subsidised, so vet bills fall to owners. Pet insurance (djurförsäkring) comes in two main forms: veterinärvårdsförsäkring, which reimburses veterinary treatment costs, and livförsäkring, which pays out if your pet dies or has to be put down. Most owners of dogs and cats hold at least the vet-care cover.

How the Swedish market works

Vet-care policies work against an annual reimbursement cap (ersättningsbelopp or veterinärvårdsbelopp) — the maximum the insurer pays out per year. When you claim, you usually pay two self-risks: a fixed self-risk (fast självrisk) per claim period, plus a variable self-risk (rörlig självrisk) that is a percentage of the remaining cost. Pricing is heavily breed-based, since some breeds are prone to hereditary conditions, and policies carry waiting periods before cover begins and often exclude pre-existing conditions.

Types of cover

Veterinärvårdsförsäkring — reimburses treatment, surgery, and medication up to the annual cap after your self-risks.

Livförsäkring — pays an agreed sum if the animal dies or is euthanised due to illness or injury.

Tilläggsskydd — optional extensions such as cover for medication, rehabilitation, or dental treatment, depending on the insurer.

How to choose

Compare the annual cap first — a low ersättningsbelopp can be exhausted by a single major operation. Then look at both self-risks together, because a low premie can hide a high rörlig självrisk. Check the waiting period, breed-specific exclusions, and any age limits, since premiums typically rise as a pet gets older. For a breed prone to hereditary issues, confirm whether those conditions are covered.

Leading providers in Sweden

Agria, the specialist animal insurer within the Länsförsäkringar group, is the long-standing market leader and a benchmark for cover. If, Folksam, and Trygg-Hansa are also major players, alongside Moderna Försäkringar, Nordea, AXA Sverige, and Dina Försäkringar. Because caps, self-risks, and breed pricing differ widely, comparing several quotes for your specific animal is worthwhile.

What it costs

Monthly premiums on Giraffy's Swedish listings range from about 99 to 1,908 SEK per month. The low end reflects a young cat or small dog with modest cover; the high end reflects large-breed dogs, older animals, or high-cap comprehensive policies. Premiums generally climb with the pet's age, so it is often cheaper to insure while young.

Protections and regulation

Pet insurers are supervised by Finansinspektionen (FI) and bound by the Försäkringsavtalslagen. Konsumenternas Försäkringsbyrå and Hallå Konsument provide independent guidance on comparing djurförsäkring, and Allmänna reklamationsnämnden (ARN) can review disputes over declined claims free of charge.

Common questions

What are the two self-risks? — A fast självrisk (a fixed amount per claim period) and a rörlig självrisk (a percentage of the remaining cost) usually both apply.

Are pre-existing conditions covered? — Generally no. Insure your pet while young and healthy, before any conditions appear.

Is Agria the only option? — No. Agria is the market leader, but If, Folksam, Trygg-Hansa, and others offer competitive cover worth comparing.

Pet Insurance in Sweden — FAQ