Pet insurance Sweden: 9 best dog and cat insurances compared in 2025

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. 

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.

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.

Sveland offers three different pet insurances for cats and dogs - their Basic, Standard and Premium plans. These plans are relatively standard with a slightly higher than average policy limit on their basic plan but a slightly lower than average limit on their most comprehensive Premium plan.

Sveland has offered pet insurance for Swedish animals since 1911 and today is one of the only insurers with plans for horses and small mammals. Overall, Sveland's insurance offering is among the best in Sweden with customisable premiums and deductibles and cover for all expected illnesses and injuries. They also offer add-ons for life, utility, rehabilitation, medicines, personal accidents and litter insurance.

Sveland also has a 5% multi-pet discount, and 5% castration discount. And even though they have no English website their customer support team speaks great English and was very helpful when we spoke to them.

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.

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.

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. 

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.

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.