Sweden is renowned for its deep-rooted culture of pet ownership, with over 90% of dogs and more than 50% of cats insured, according to Agria, one of the country’s leading pet insurers. This high penetration rate reflects the Swedish commitment to animal welfare, a value deeply ingrained since the first pet insurance policy was issued in 1890. For pet owners in Sweden, insuring their furry companions is not just a trend but a practical necessity, given the high cost of veterinary care—often ranging from SEK 3,000 to SEK 15,000 for emergencies like cruciate ligament surgery. In 2025, finding the best pet insurance companies in Sweden is essential for ensuring your pets receive top-notch care without financial strain.
Why Pet Insurance is Essential in Sweden
Sweden’s pet insurance market is one of the most developed in the world, with a 2022 report from Svensk Försäkring noting that pet owners paid SEK 5.7 billion in premiums, a figure that has more than doubled over the past decade. Veterinary care in Sweden is not subsidized like human healthcare, meaning pet owners bear the full cost of treatments. For instance, a single surgery for a cruciate rupture in a dog can cost between SEK 3,000 and SEK 5,000, while chronic conditions like diabetes can lead to annual expenses of SEK 1,300 or more, according to the Association of British Insurers’ data on similar markets.
Pet insurance provides a financial safety net, covering expenses for accidents, illnesses, surgeries, and sometimes preventive care. Despite the high adoption rate, the Swedish Competition Authority has highlighted challenges in the market, such as difficulty comparing policies due to varying premiums, terms, and deductibles. This underscores the need for a clear guide to the best pet insurance companies in Sweden, helping pet owners make informed decisions in 2025.
How We Selected the Best Pet Insurance Companies in Sweden for 2025
To compile this list, we evaluated pet insurance providers in Sweden based on several key criteria, drawing from industry data, customer reviews, and expert analyses:
- Coverage Options: We prioritized companies offering comprehensive accident and illness coverage, with bonus points for wellness plans, alternative therapies, and coverage for hereditary conditions.
- Cost and Value: We compared average premiums, deductibles, reimbursement rates, and annual limits to identify plans that offer affordability alongside robust coverage.
- Customer Experience: We considered customer reviews, claims processing speed, and features like 24/7 support and digital services.
- Flexibility and Customization: Companies allowing policyholders to tailor deductibles, reimbursement rates, and coverage limits scored higher.
- Accessibility for Expats: Given Sweden’s growing expat community, we favored providers with English-language support and flexible identification requirements.
List of Best Pet Insurance Companies in Sweden for 2025
Below is the list of best pet insurance companies in Sweden for 2025, featuring top providers that cater to diverse needs and budgets. Each company is evaluated based on its offerings, pricing, and customer feedback, tailored for Swedish pet owners.
1. Agria Djurförsäkring
Overview: Agria Djurförsäkring, a subsidiary of the Länsförsäkringar Alliance, is Sweden’s largest and oldest pet insurer, founded in 1890. It’s a trusted name, insuring dogs, cats, horses, and small mammals, and is known for its comprehensive coverage and expat-friendly services.
Coverage:
- Accident and Illness: Covers veterinary expenses for injuries, illnesses, surgeries, diagnostics, and medications.
- Hereditary Conditions: Includes breed-specific conditions like hip dysplasia, common in breeds like the Swedish Vallhund.
- Additional Options: Offers life insurance, rehabilitation coverage, and breeding insurance for professional breeders.
- Unique Features: Provides a 25% welcome discount and extensive English translations of its website and policies, making it accessible for non-Swedish speakers.
Cost:
- Average monthly premiums range from SEK 300 to SEK 600 for dogs and SEK 200 to SEK 400 for cats, depending on breed, age, and coverage.
- Deductibles include a fixed amount (e.g., SEK 1,500) plus a variable rate of 20% of remaining costs, adjustable based on the plan.
Pros:
- Highest compensation limits in the market, up to SEK 175,000 annually.
- Flexible coverage with multiple add-ons.
- No age restrictions for enrollment.
- Excellent customer support, with a loyalty program for long-term policyholders.
Cons:
- Higher premiums compared to newer competitors.
- Complex plan structures can be overwhelming for first-time pet owners.
- Digital services lag behind competitors like Hedvig.
Customer Feedback: Agria is praised for its comprehensive coverage and high compensation limits, but some customers on platforms like Reddit have noted frequent changes in terms, requiring careful monitoring of policy updates.
2. Hedvig
Overview: Hedvig is a modern pet insurer in Sweden, known for its user-friendly approach and competitive pricing. It offers insurance for dogs and cats with a focus on simplicity and digital convenience, making it a favorite among younger pet owners.
Coverage:
- Accident and Illness: Covers vet fees for accidents, illnesses, surgeries, and medications, with one of Sweden’s highest compensation limits.
- Annual Health Check: Includes a free annual health check via video call with FirstVet, a valuable perk for proactive pet care.
- No Waiting Period for Young Pets: Puppies under 18 weeks and kittens under 12 weeks have no waiting period with a vet certificate.
Cost:
- Average premiums are around SEK 250 for dogs and SEK 150 for cats, based on a fixed deductible of SEK 2,500 and a 15% variable deductible.
- Offers three packages with fixed deductibles of SEK 0, 2,500, or 3,500, and variable deductibles of 15% or 25%.
Pros:
- Competitive pricing with no binding period, allowing cancellation anytime.
- 365-day excess period, meaning you only pay the fixed deductible once per year.
- Strong digital platform for easy policy management.
- No breed-specific restrictions, covering all dogs and cats.
Cons:
- Limited add-ons compared to Agria, such as no life insurance option.
- Higher variable deductibles can increase out-of-pocket costs for frequent vet visits.
Customer Feedback: Hedvig is lauded for its affordability and ease of use, particularly for expats, due to its English-friendly services. Customers appreciate the annual health check but note the lack of extensive add-ons as a drawback.
3. Lassie
Overview: Lassie is a newer player in the Swedish pet insurance market, gaining popularity for its straightforward plans and digital-first approach. It focuses on providing essential coverage with a gamified app that rewards pet owners for learning about pet care.
Coverage:
- Accident and Illness: Covers vet fees for accidents, illnesses, diagnostics, and treatments, with a focus on essential care.
- Behavioral Therapy: Includes coverage for behavioral issues, a rare feature in basic plans.
- App Benefits: Collect points in the Lassie app by completing pet care courses, which can lower your premium.
Cost:
- Average premiums are approximately SEK 200 for dogs and SEK 120 for cats, with a long deductible period reducing costs.
- Deductibles are competitive, often starting at SEK 1,500 with a 20% variable rate.
Pros:
- No breed-specific restrictions, making it ideal for owners of unique breeds.
- Affordable premiums with no commitment period.
- Free transfer right when switching from another insurer.
- Innovative app that encourages pet education and offers discounts.
Cons:
- Lower annual coverage limits compared to Agria, typically around SEK 100,000.
- Limited add-ons, such as no wellness or rehabilitation coverage.
Customer Feedback: Lassie is appreciated for its affordability and user-friendly app, with many customers enjoying the educational aspect. However, some note that the coverage limits may not suffice for pets with chronic conditions.
4. Petson
Overview: Petson is a rising star in Sweden’s pet insurance market, offering both insurance and pet food subscriptions. It’s known for its high benefit amounts and special deals for multi-pet households, making it a great choice for families with several pets.
Coverage:
- Accident and Illness: Covers vet fees for accidents, illnesses, surgeries, and diagnostics, with a maximum benefit of SEK 175,000.
- Additional Perks: Offers free food boxes and feed subscription discounts, adding value for pet owners.
- Multi-Pet Deals: Special insurance packages for households with 4–10 pets.
Cost:
- Average premiums are around SEK 280 for dogs and SEK 160 for cats, depending on the plan.
- Deductibles typically include a fixed amount of SEK 1,500 plus a 20% variable rate.
Pros:
- Highest benefit amount in the market, tied with Agria at SEK 175,000.
- Unique perks like free food boxes and multi-pet discounts.
- Flexible pricing with no age restrictions for enrollment.
- High customer satisfaction, as noted in industry surveys.
Cons:
- Limited coverage for alternative therapies unless added as an extra.
- Newer company, so long-term reliability is less proven compared to Agria.
Customer Feedback: Petson is praised for its high compensation limits and added benefits like food subscriptions. Customers with multiple pets particularly appreciate the special deals, though some wish for more comprehensive coverage options.
5. Sveland
Overview: Sveland is a pet insurance specialist in Sweden, offering policies for dogs, cats, horses, and small mammals. It’s known for its extensive add-ons and tailored coverage for niche pet owners, such as breeders and hunters.
Coverage:
- Accident and Illness: Covers vet fees for accidents, illnesses, surgeries, and diagnostics, with a standard veterinary plan.
- Add-Ons: Includes life insurance, rehabilitation coverage, and breeding insurance.
- Pre-Existing Conditions: Covers curable pre-existing conditions if the pet has been symptom-free, a rare feature.
Cost:
- Average premiums are approximately SEK 300 for dogs and SEK 180 for cats, with variations based on add-ons.
- Deductibles typically start at SEK 1,500 with a 20% variable rate, adjustable with add-ons.
Pros:
- Extensive add-ons for tailored coverage, ideal for niche pet owners.
- Covers curable pre-existing conditions, a significant advantage.
- Discounts for hunters, breeders, and animal healthcare professionals.
- No waiting period when switching insurers.
Cons:
- No English version of the website, which can be challenging for expats.
- Mixed customer reviews on Trustpilot, with some citing slow claims processing.
Customer Feedback: Sveland is appreciated for its specialized coverage and discounts, particularly for breeders. However, some customers have reported dissatisfaction with claims processing, highlighting the need for better customer service.
How to Choose the Best Pet Insurance Company in Sweden for Your Needs
Selecting the right pet insurance provider in Sweden depends on your pet’s specific needs, your budget, and your preferences. Here are key factors to consider:
- Coverage Needs: If your pet is prone to hereditary conditions (e.g., entropion in Shar-Pei dogs), choose a provider like Sveland or Agria that covers these conditions.
- Budget: For affordable options, Lassie and Hedvig offer competitive premiums, while Agria and Petson provide more comprehensive coverage at a higher cost.
- Age of Pet: Most providers, like Agria and Petson, have no upper age limits, but premiums increase for older pets, typically over 8 years.
- Claims Process: Hedvig and Petson offer streamlined digital claims processes, while Sveland has faced criticism for slower processing.
- Additional Benefits: Look for extras like annual health checks (Hedvig), multi-pet discounts (Petson), or coverage for pre-existing conditions (Sveland).
Average Cost of Pet Insurance in Sweden in 2025
The average cost of pet insurance in Sweden in 2025 is approximately SEK 300 per month for dogs and SEK 180 per month for cats, based on standard coverage with a SEK 1,500 fixed deductible and 20% variable deductible. However, costs vary based on several factors:
- Breed: Breeds prone to health issues (e.g., Swedish Vallhunds with hip dysplasia) cost more to insure.
- Age: Older pets have higher premiums due to increased health risks, with some providers increasing rates after age 8.
- Location: Urban areas like Stockholm and Gothenburg have higher vet costs, which can increase premiums.
- Coverage Level: Plans with higher annual limits or lower deductibles are more expensive.
For example, Agria’s comprehensive plans can cost up to SEK 600 per month for a dog, while Lassie’s basic plans average SEK 200.
Is Pet Insurance Worth It in Sweden?
Pet insurance is a worthwhile investment for most Swedish pet owners, given the high cost of veterinary care. A single surgery can cost SEK 3,000–SEK 5,000, and chronic conditions can lead to expenses exceeding SEK 15,000 over a pet’s lifetime. With pet insurance, you can avoid making difficult decisions about your pet’s care due to financial constraints.
However, pet insurance may not be necessary if you have significant savings to cover emergency vet bills or if your pet is young and healthy with minimal risk of serious health issues. It’s also worth noting that pet insurance typically does not cover pre-existing conditions unless specified (e.g., Sveland’s curable condition coverage), so enrolling your pet early is key to maximizing benefits.
Tips for Swedish Pet Owners: Getting the Most Out of Pet Insurance
To ensure you get the best value from your pet insurance policy, consider the following tips:
- Enroll Early: Insure your pet when they’re young to avoid exclusions for pre-existing conditions, a common practice among providers like Agria and Hedvig.
- Compare Quotes: Get quotes from at least three providers to find the best balance of coverage and cost. For example, Lassie offers affordability, while Agria provides comprehensive coverage.
- Understand Exclusions: Read the fine print to know what’s not covered, such as pre-existing conditions or routine care unless specified.
- Maintain Vaccinations: Keep your pet’s vaccinations up to date to minimize the risk of illnesses that could lead to higher premiums.
- Pay Annually: Some providers offer discounts for paying premiums annually, which can also help avoid interest charges.
Cultural Insights: Pet Ownership in Sweden
Sweden’s high pet insurance adoption rate reflects its long-standing commitment to animal welfare, dating back to the first pet insurance policy in 1890. Pets are considered family members, and the Swedish Animal Welfare Act ensures they are treated with respect, with strict regulations on housing, medical care, and even liability—dog owners are required to maintain liability coverage, contributing to the 60–70% insurance rate among pet owners.
This cultural emphasis on pet care aligns with Sweden’s broader societal values of responsibility and preparedness, similar to the country’s approach to insuring homes, cars, and health. For Swedish pet owners, insurance is not just about financial protection but also about ensuring their pets live long, healthy lives.
The best pet insurance companies in Sweden for 2025 offer a range of options to suit different budgets and needs, from Agria’s comprehensive coverage to Lassie’s budget-friendly plans. By choosing a provider that aligns with your pet’s health needs and your financial situation, you can ensure your furry friend receives the best care without the burden of unexpected vet bills. Review the list of best pet insurance companies in Sweden, compare quotes, and secure a plan today to give your pet the protection they deserve in 2025.
