8 Best pet insurances in Sweden in 2024
We've reviewed Sweden's 8 biggest pet insurance companies in English for ex-pats like us. We also examine the cost of pet insurance and discuss the documents you will need if you are either living in Sweden or just traveling with your pet.
Louis
Author
Mason
Reviewer
Updated
Jul 21 2024
- Hedvig - Best price for cover, 365 day excess period, no binding period, annual health check included
- Petson - Highest benefit amount (175 000 SEK), free food box and feed subscription discounts
- Agria - Sweden's biggest pet insurer with the most flexible coverage, add-on and pricing options
- Lassie - No breed specific restrictions, cheap pet insurance options and no commitment period
- Furry Champ - English website and support, free online vet consultations, one size fits all plan
- ICA Försäkring - ICA is owned by it's members, get discounts with multiple insurance policies
- Svedea - No age requirements, add-ons and discounts for breeders, vets, hunters and therapy pets
- ManyPets - No longer offering new policies in Sweden
In Sweden, you generally don't need a BankID to insure your pet. However, a BankID will likely make certain administrative tasks or even logging in to the online services provided by the insurance company much easier.
When insuring a pet in Sweden, you typically need to provide personal information, such as your name, address, and contact details, along with information about your pet, such as its breed, age, and medical history. Some insurance companies may require you to provide proof of identity, which would generally be done using BankID but is often possible with other forms of identification.
It's advisable to check with different insurance providers to understand their specific requirements and whether BankID is necessary for insuring your pet.
BankID is a digital identification system used widely in Sweden for various online transactions, including banking, insurance, and other services.
When insuring a pet in Sweden, you typically need to provide personal information, such as your name, address, and contact details, along with information about your pet, such as its breed, age, and medical history. Some insurance companies may require you to provide proof of identity, which would generally be done using BankID but is often possible with other forms of identification.
It's advisable to check with different insurance providers to understand their specific requirements and whether BankID is necessary for insuring your pet.
BankID is a digital identification system used widely in Sweden for various online transactions, including banking, insurance, and other services.
Best pet insurances in Sweden compared
Plans
Maximum Benefit
- Basic: 30 000 SEK
- Standard: 60 000 SEK
- Premium: 160 000 SEK
Deductibles
- Basic: 0 or 3 500 SEK fixed + 25% variable
- Standard: 0 or 2 500 SEK fixed + 25% variable
- Premium: 0 or 2 500 SEK fixed + 15% variable
- Popular Among Customers: Average customer rating is 4.6/5
- Free Virtual Consultations: Unlimited veterinary care calls for free
- English Support: Website is in English with English help available
- Flexible Subscription: Monthly subscription without long-term binding
- Quick Claims Processing: Efficient claim handling through their app
- User-friendly App: Manage your insurance, file claims, and access customer service easily
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Digitalization: Makes managing your insurance harder without BankID
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New in Market: As a newer player, it lacks the longstanding reputation of more established insurers
Hedvig has 3 different pet insurance plans for dog and cats: Basic, Standard and Premium.
Hedvig offers a modern, streamlined approach to pet insurance with a focus on flexibility and ease of use. Their three simple plan options, and their user-friendly app enhances the customer experience by facilitating quick claims processing and easy policy management - including no yearly binding time.
However, the digitalization of their insurance also means that ex-pats without a BankID may find managing their insurance difficult. Limited customization may be also b a drawback for some pet owners looking for tailored coverage options.
Hedvig's Standard Plan costs about 599 SEK a month on average. Though the average price ranges between 337- 884 SEK a month across all insurance packages.
Hedvig offers a modern, streamlined approach to pet insurance with a focus on flexibility and ease of use. Their three simple plan options, and their user-friendly app enhances the customer experience by facilitating quick claims processing and easy policy management - including no yearly binding time.
However, the digitalization of their insurance also means that ex-pats without a BankID may find managing their insurance difficult. Limited customization may be also b a drawback for some pet owners looking for tailored coverage options.
Hedvig's Standard Plan costs about 599 SEK a month on average. Though the average price ranges between 337- 884 SEK a month across all insurance packages.
Plans
Maximum Benefit
- Basic: 25 000, 60 000, 120 000 or 175 000 SEK
Deductibles
- Basic: 900, 2 900, or 4 900 SEK fixed + 15% or 25% variable
- Highest Limits: Petson offers cover for up to 175 000 SEK annually
- Discounts: 15% discount when you sign up, 30% discount for puppies and kittens, first feed box free
- Affordable Premiums: Competitive pricing makes it accessible for budget-conscious pet owners
- Basic Coverage: Adequate for general pet health needs
- Add-ons: Life insurance, breeding insurance and multi pet insurance options
- More Than Just Insurance: Get a food subscription and save on your insurance
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Swedish-only: Petson's website is only available in Swedish (can be translated in your browser)
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Limited Coverage Options: Few options for policy customization or add-ons
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Basic Features: Lacks some of the more comprehensive features found in other plans
Petson has just one insurance plan for cats and dogs.
Petson focuses on providing essential coverage at an affordable rate. Their basic plan is straightforward and cost-effective, making it suitable for pet owners looking for necessary protections without high premiums.
Petson even provides opportunities to reduce your premium costs based on your prior dog ownership experience or by opting for a food subscription. Plus, with Petson, you can enjoy the highest policy limit of any pet insurance in Sweden.
However, the limited options for policy enhancement and add-ons might not cater to those needing more comprehensive or specialized coverage. Also be sure to review Petson's terms and conditions as there are certain limitations for specific dog breeds.
Petson focuses on providing essential coverage at an affordable rate. Their basic plan is straightforward and cost-effective, making it suitable for pet owners looking for necessary protections without high premiums.
Petson even provides opportunities to reduce your premium costs based on your prior dog ownership experience or by opting for a food subscription. Plus, with Petson, you can enjoy the highest policy limit of any pet insurance in Sweden.
However, the limited options for policy enhancement and add-ons might not cater to those needing more comprehensive or specialized coverage. Also be sure to review Petson's terms and conditions as there are certain limitations for specific dog breeds.
Plans
Maximum Benefit
- 30 000 to 150 000 SEK
Deductibles
- 1 500 to 4 000 SEK fixed + 15 to 25% variable
- Customer Care: 4.7/5 on Trust Pilot, hotline if you call from abroad, English version of the website
- Sign-up Offer: Up to 25% discount for puppies and kittens
- Comprehensive Coverage: Wide range of insurance products tailored to different needs
- Specialized Plans: Options for breeders and other specific needs
- Established Reputation: Trusted and well-known provider with a long history
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Higher Premiums: More comprehensive plans come at a higher cost
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Complex Structures: Numerous options can make selecting the right plan confusing
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Digitalization: Claims process is much easier with BankID, less modern overall
Agria is one of the most established pet insurance providers in Sweden, offering a variety of plans tailored to different needs, including specialized options for breeders. Their comprehensive coverage and high policy limits make them a reliable choice for pet owners seeking extensive protection.
Their commitment to customer care also sets them apart. This is evident in their efforts to accommodate both Swedish residents and expats alike. We especially value their 25% welcome discount and the extensive translation of website pages and policy conditions, making it easier for non-Swedish speakers to navigate.
However, the higher premiums and complex plan structures might be a consideration for those looking for straightforward or budget-friendly options. Their digital services for policy holders are also lacking compared to those offered by companies like Hedvig.
Their commitment to customer care also sets them apart. This is evident in their efforts to accommodate both Swedish residents and expats alike. We especially value their 25% welcome discount and the extensive translation of website pages and policy conditions, making it easier for non-Swedish speakers to navigate.
However, the higher premiums and complex plan structures might be a consideration for those looking for straightforward or budget-friendly options. Their digital services for policy holders are also lacking compared to those offered by companies like Hedvig.
Plans
Maximum Benefit
- Small: 30 000 SEK
- Medium: 60 000 SEK
- Big: 160 000 SEK
Deductibles
- 0, 1 500 or 3 500 SEK fixed + 15 or 25% variable
- Accessible: No commitment period, free video consultations, no upper age limits on Small plans
- Clear Plan Differentiation: Easy to understand the differences between plans
- Preventive Care Options: Plans include preventive education and discounts
- Digital-first Approach: Focus on using digital tools for managing policies and claims
- English support: The website has a full English translation
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Customer Feedback: Clients are disappointed by the lack of transparency and cover with the Small plan, 3.9/5 on Google is lower than average
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Limited to Three Main Plans: Less flexibility in customizing coverage
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Digital Services Might Not Suit All: Expats without BankID might prefer traditional customer service methods
Lassie offers three clearly differentiated plans, making it easier for you to select the appropriate level of coverage. Their focus on preventive care and digital tools may also appeal if you are looking for convenient and efficient insurance management.
However, the limited ability to customize plans and their emphasis on digital solutions might not cater to everyone, especially those who prefer more personalized or traditional customer service experiences.
Still, Lassie is one of the most well-known pet insurance providers in Sweden, boasting over 90,000 insured pets.
You may also come across some negative comments online about their Small plan, which offers limited cover, so to prevent any potential frustrations, we advise opting for their Medium or Big plans, which, although slightly pricier, offer significantly better cover.
However, the limited ability to customize plans and their emphasis on digital solutions might not cater to everyone, especially those who prefer more personalized or traditional customer service experiences.
Still, Lassie is one of the most well-known pet insurance providers in Sweden, boasting over 90,000 insured pets.
You may also come across some negative comments online about their Small plan, which offers limited cover, so to prevent any potential frustrations, we advise opting for their Medium or Big plans, which, although slightly pricier, offer significantly better cover.
Plans
Maximum Benefit
- Standard: 30 000 or 60 000 SEK
Deductibles
- Standard: 1 500 or 3 000 SEK fixed + 15 or 25% variable
- Online Support: 24/7 and unlimited online vet consultations
- No Surprises: The same compensation amount for your pet for life
- Competitive Pricing: Affordable one size fits all plan with good coverage
- Customer Experience Focus: Emphasis on customer satisfaction and support
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Average Customer Ratings: 3.9 on Trustpilot is lower than the best insurers
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Low Benefit Limit: The maximum benefit limit is 60 000 SEK
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Not For Everyone: Breed restrictions and no customizable coverage
FurryChamp stands out for its competitive pricing and focus on customer experience. They only offer one plan, where you choose the benefit level and deductibles making their insurance straightforward, easy to understand and still flexible enough for most.
One of their biggest selling points is cover for pre-existing conditions (as long as your pet has recovered). Also, their 365 day deductible period is as long as the best insurers and means you only have to pay your fixed deductible once every year - even if you have several vet visits. And like most pet insurers in Sweden they offer free online vet consultations.
However, as a newer entrant in the market, they don't offer the same level of comprehensive cover for the least risk averse pet owners and they don't have the same long standing reputation as some more established providers. While their coverage is solid, the maximum compensation amount is lower than some competitors, and they don't offer any add-ons or discounts. Additionally, FurryChamp has breed-specific restrictions, which may not be ideal for some pet owners.
Overall, FurryChamp provides reliable coverage but may not be the best fit for everyone.
One of their biggest selling points is cover for pre-existing conditions (as long as your pet has recovered). Also, their 365 day deductible period is as long as the best insurers and means you only have to pay your fixed deductible once every year - even if you have several vet visits. And like most pet insurers in Sweden they offer free online vet consultations.
However, as a newer entrant in the market, they don't offer the same level of comprehensive cover for the least risk averse pet owners and they don't have the same long standing reputation as some more established providers. While their coverage is solid, the maximum compensation amount is lower than some competitors, and they don't offer any add-ons or discounts. Additionally, FurryChamp has breed-specific restrictions, which may not be ideal for some pet owners.
Overall, FurryChamp provides reliable coverage but may not be the best fit for everyone.
Plans
Maximum Benefit
- Veterinary Insurance: 30 000, 60 000, 90 000 or 150 000 SEK
- Life Insurance: 6 000 to 30 000 SEK
Deductibles
- 1 500, 2 500 or 3,500 SEK fixed + 15 or 25% variable
- Membership Bonuses: 500 SEK ICA bonus if you have 3 or more policies
- Online Support: Digital veterinary visits with FirstVet included
- Good For Expats: Insure imported dogs with a Swedish veterinary certificate
- Optional Life Insurance: Standard plan with life insurance add-on available
- Brand Recognition: ICA is a Swedish institution and is owned by its members and is backed by the large insurer Svedea
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Poor English Support: No support services available in English
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Not Very Modern: Outdated website and claims processing
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No Coverage Flexibility: Having only one standard plan means that you only get the cover ICA provides
ICA Försäkring offers a general pet insurance plan designed to cater to different needs and budgets. You can add a life insurance policy to their standard veterinary insurance and choose from a range of deductible amounts. ICA's strong brand reputation and member discounts also make them an attractive option for existing ICA customers.
While ICA will insurance dogs imported from outside of the EU their services are only available in Swedish and are less modern than their competitors. Overall, the feeling we and other users get from ICA's pet insurance is that they are not dedicated to offering the best pet insurance in the market. While ICA pet insurance does cover the basics including cover for accidents, illnesses, diagnostic scans and surgeries they use Svedea for their insurance policies so getting straight answers from customer service can sometimes feel like pulling teeth.
But if you're already an ICA insurance customer, it might also make sense to get their pet insurance as it can be convenient and rewarding to bundle your coverage, even if it's not the flashiest option out there.
While ICA will insurance dogs imported from outside of the EU their services are only available in Swedish and are less modern than their competitors. Overall, the feeling we and other users get from ICA's pet insurance is that they are not dedicated to offering the best pet insurance in the market. While ICA pet insurance does cover the basics including cover for accidents, illnesses, diagnostic scans and surgeries they use Svedea for their insurance policies so getting straight answers from customer service can sometimes feel like pulling teeth.
But if you're already an ICA insurance customer, it might also make sense to get their pet insurance as it can be convenient and rewarding to bundle your coverage, even if it's not the flashiest option out there.
Plans
Maximum Benefit
- 30 000, 60 000 or 90 000 SEK
Deductibles
- 2 000, 2 900 or 4 500 SEK fixed + 15 or 25% variable
- No Age Requirement: You can insure your pet, no matter their age
- Many Add-ons: Life insurance, breeders insurance, hunting insurance and therapy insurance are available, as are discounts for different pets
- Fast Claims Processing: Claims are handled quickly and efficiently, 95% of the time within 24 hours
- Inclusive of Medications: Policies cover the cost of necessary medications
- Competitive Pricing: Offers good value for the coverage provided
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Poor Customer Experiences: A number of bad reviews on Trustpilot
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No English Support: Website is only available in Swedish
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May Lack Niche Coverages: With only one plan, you may lack some desired cover
Svedea pet insurance provides comprehensive coverage options for a range of pet owners including breeders, hunters and people with therapy dogs. Like many other pet insurance companies in Sweden they have only one standard veterinary plan but then you can add extras like life insurance or rehabilitation insurance to your plan.
Svedea will also ensure you pet from day one when switching insurer and will also cover pre-existing conditions that are no longer affecting your pet. There are also a number of discounts available including for hunters, breeders, animal health care professionals, and puppy owners.
Despite all of this, and despite proudly displaying several five star customer reviews on their website we found a number of poor Trustpilot ratings from people unhappy with their cover and claims processing. Svedea also doesn't have an English version of their website and is likely most suitable for niche pet owners that can take advantage of their unique offers and discounts for special circumstances.
Svedea will also ensure you pet from day one when switching insurer and will also cover pre-existing conditions that are no longer affecting your pet. There are also a number of discounts available including for hunters, breeders, animal health care professionals, and puppy owners.
Despite all of this, and despite proudly displaying several five star customer reviews on their website we found a number of poor Trustpilot ratings from people unhappy with their cover and claims processing. Svedea also doesn't have an English version of their website and is likely most suitable for niche pet owners that can take advantage of their unique offers and discounts for special circumstances.
Plans
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No Longer Operating: ManyPets is no longer offering pet insurance in Sweden
Since July 1, 2023, ManyPets stopped offering pet insurance in Sweden. If you have an existing plan with ManyPets then they will continue to process claims and answer your questions as before.
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Compare pet insurance cover in Sweden
The conditions and treatments covered by pet insurances in Sweden are generally quite similar with the major difference between plans and insurers being between how much you are covered eg. how high is the maximum benefit and how low are the deductibles.
Some pet insurers like ICA, Furry Champ and Petson only offer one comprehensive pet insurance plan while others like Hedvig or Lassie have several that range in how comprehensive they are eg. Basic, Standard and Premium. Then others like Svedea or Agria have a standard pet insurance plan with optional add-ons for things like life insurance or breeding.
Comparing all of the specific exclusions between all of the pet insurers in Sweden is a complicated task, given that each uses slightly different definitions and may have different caveats based on your pets age or breed. That's why we recommend getting 2-3 different quotes for your pet to compare the cover and prices offered and going from there.
Also think about your pet, their lifestyle, behavior and breed and if there are any specific conditions you feel are important to cover. Otherwise it is good to know what you should expect your pet insurance in Sweden to cover before comparing plans.
Common conditions/treatments covered by pet insurances in Sweden include:
Some pet insurers like ICA, Furry Champ and Petson only offer one comprehensive pet insurance plan while others like Hedvig or Lassie have several that range in how comprehensive they are eg. Basic, Standard and Premium. Then others like Svedea or Agria have a standard pet insurance plan with optional add-ons for things like life insurance or breeding.
Comparing all of the specific exclusions between all of the pet insurers in Sweden is a complicated task, given that each uses slightly different definitions and may have different caveats based on your pets age or breed. That's why we recommend getting 2-3 different quotes for your pet to compare the cover and prices offered and going from there.
Also think about your pet, their lifestyle, behavior and breed and if there are any specific conditions you feel are important to cover. Otherwise it is good to know what you should expect your pet insurance in Sweden to cover before comparing plans.
Common conditions/treatments covered by pet insurances in Sweden include:
- Accidental injury
- Illness
- Cancer treatments
- Joint and bone diseases
- Unknown illnesses & hidden defects
- X-rays and diagnostic scans
- Medication
- Prescription diets
- Free online consultations
- Veterinary visits
- Breeding conditions
- Dental care
- Rehabilitation services
- Behavioral treatments
- Emergency boarding
- Overseas care
- Lost/stolen pet compensation
- Life insurance
- Utility insurance (eg. for hunting or therapy pets)
How much does pet insurance cost in Sweden?
On average, pet insurance premiums in Sweden typically cost between 200 and 500 SEK monthly, or 2 500 and 6 000 SEK annually, for a basic plan covering accidents and illnesses for a healthy young dog.
However, more comprehensive plans with additional coverage options come at a higher cost, reaching up to 900 SEK per month for the most comprehensive plans.
Keep in mind that these prices vary significantly based on the age, breed, and health of your pet, as well as the specific coverage options, annual benefit limit and deductibles you choose. Choosing a higher benefit limit can cost twice or even three times as much as a smaller benefit limit and similarly halving your deductible can double your insurance cost.
For cats in Sweden, pet insurance premiums usually range between 100 and 350 SEK per month for a basic plan covering accidents and illnesses.
However, more comprehensive plans with additional coverage options come at a higher cost, reaching up to 900 SEK per month for the most comprehensive plans.
Keep in mind that these prices vary significantly based on the age, breed, and health of your pet, as well as the specific coverage options, annual benefit limit and deductibles you choose. Choosing a higher benefit limit can cost twice or even three times as much as a smaller benefit limit and similarly halving your deductible can double your insurance cost.
For cats in Sweden, pet insurance premiums usually range between 100 and 350 SEK per month for a basic plan covering accidents and illnesses.
What do you need to move to Sweden with your pet?
Here's a basic outline of the requirements for bringing your pet (cat, dog, or ferret) from outside of the EU into Sweden:
When you arrive in Sweden, you also need to register your pet. It's a good idea to ring ahead or visit a local vet as soon as possible, as they can give you extra information and advice to help with your pet's move to Sweden.
After your pet has been registered and checked in Sweden, you will be able to get pet insurance.
- Microchip implant: Ensure it is the international chip, AVVID, which is used in the EU
- Rabies vaccination and follow-up blood test for rabies antibodies: This must be done 120 days prior to your pet’s arrival in Sweden (Direct air transports from the UK, Ireland, and Malta are excluded from this requirement)
- De-worming: One week before your pet arrives in Sweden (Direct air transports from the UK, Ireland, Malta, Finland, and Åland are also excluded from this requirement)
- Veterinary certificate or an EU passport
- Owner’s declaration for pets
- Customs declaration: Reported for control at an EU Point of Entry
When you arrive in Sweden, you also need to register your pet. It's a good idea to ring ahead or visit a local vet as soon as possible, as they can give you extra information and advice to help with your pet's move to Sweden.
After your pet has been registered and checked in Sweden, you will be able to get pet insurance.
If you are traveling to Sweden with your pet
When traveling to Sweden with your dog or cat, it's important to understand and follow Sweden's regulations aimed at preventing the spread of infections outlined above. These regulations apply whether you're going on vacation, relocating to Sweden, returning from a trip abroad, or bringing a pet purchased overseas back to Sweden.
More specifically you will need a ID marker, vaccination certificates, and an EU passport for your pet. Additionally, you will need to know how to report your pet's arrival in Sweden.
You have to follow these regulations no matter how old your pet is and even if you're traveling from another EU country. And note that it's always the responsibility of the person traveling with the pet to make sure these rules are followed, regardless of whether they own the pet or not.
More specifically you will need a ID marker, vaccination certificates, and an EU passport for your pet. Additionally, you will need to know how to report your pet's arrival in Sweden.
You have to follow these regulations no matter how old your pet is and even if you're traveling from another EU country. And note that it's always the responsibility of the person traveling with the pet to make sure these rules are followed, regardless of whether they own the pet or not.
FAQ about Pet insurance in Sweden
No, pet insurance is not mandatory in Sweden. There is no legal requirement for pet owners to have insurance for their pets. However, many pet owners choose to purchase insurance to help cover veterinary expenses and other costs associated with pet care.
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Having pet insurance can provide financial protection and peace of mind in case of unexpected accidents, illnesses, or injuries involving pets.
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Having pet insurance can provide financial protection and peace of mind in case of unexpected accidents, illnesses, or injuries involving pets.
In Sweden, vets are not free for pet owners. Pet owners are responsible for all of their vet bills including check-ups, treatments, medications, surgeries, and anything else you need to do to keep your pet healthy.
There might be some help available if you're on a tight budget or for certain treatments, especially if you belong to a kennel. Otherwise, pet insurance is the best way to reduce the cost of your vet bills, although it also costs to have a pet insurance.
There might be some help available if you're on a tight budget or for certain treatments, especially if you belong to a kennel. Otherwise, pet insurance is the best way to reduce the cost of your vet bills, although it also costs to have a pet insurance.
Pet insurances are very popular in Sweden, with over 65% of pet owners having some level of insurance coverage for their pets. This is according to a 2023 report and this number is closer to 90% for dog owners.
In total there are 13 pet insurance companies in Sweden.
- Agria
- Dina Försäkringer
- Folksam
- Furry Champ
- Hedvig
- ICA försäkring
- If
- Lassie
- ManyPets
- Petson
- Svedea
- Sveland
- Trygg Hansa (Moderna)
About the authors
Mason
Editor
Mason was born and raised in New Zealand before moving to US and then Sweden. Despite looking so youthful, he worked as a senior website manager for 5 years before founding Comparesies. Mason's expertise in insurance is the most valuable asset for our users. Today he is the primary author/editor on Comparesies.
Louis
Author
Louis has worked in the comparison industry for 5 years in Sweden after founding another company in France. His industry experience, and strong communication skills have been invaluable in building the bridge between our community and our content. Louis is our ideas man and is responsible for sourcing user and specialist opinions.
Thibault
Editor
Thibault has an engineering background from both France and Sweden. Comparesies is his second company after successfully founding a tech scaleup. His experience is vast within insurances and customer satisfaction. Thibault is responsible for maintaining the website and sharing his knowledge through page editing.