Dog insurance

Protect your dog’s health and your finances against unexpected costs

No upper age limit for your dog’s health

OP Dog Insurance covers veterinary expenses and medication throughout your dog’s life with no upper age limit.


Dog insurance for pedigree and mixed-breed dogs

Pohjola Dog Insurance covers both pedigree and mixed-breed dogs. You can combine a custom insurance coverage that best meets your dog’s needs.


Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Can I get a discount on my dog insurance?

When you are a Pohjola Insurance prime customer, you receive a discount on our dog insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurance policies conveniently online.

Dog insurance guarantees best treatment

Dogs, just like us people, can have all sorts of accidents. If you take out comprehensive Dog Insurance, you can give your dog the best possible treatment without having to worry about the vet’s bill.

Dog Insurance covers veterinary expenses, x-ray and lab tests and medication sold in pharmacies, and we hope that your animal friend will be better soon. If you like, you can just take out Animal Insurance, which only covers if your dog disappears or dies because of an accident or illness.

Dog Insurance covers, for example, if your dog falls ill or is injured, dies or disappears, or causes a third party a loss for which you are liable by law.

Dog Insurance provides cover for puppies, too

Dog Insurance is worth taking for a small puppy that is only beginning to learn about the world. We grant Dog Insurance to puppies just six weeks old, both for pedigree dogs and mongrels.

Dog Insurance may be granted to dogs under the age of 7. The insurance provides cover against Illness and accidents throughout the dog’s life with no upper age limit. To get the best cover for your dog, select a maximum compensation of 3,000 euros for your insurance. Please note that death cover and liability loss and damage covers included in Dog Insurance expire after your dog turns 10 years.


What does dog insurance cover?

Dog insurance coverage depends on the individual cover options you have chosen for the insurance policy. Medical treatment expenses insurance covers the cost of visits to a vet, examinations and medications, for example. Animal liability insurance covers damage caused by the dog to others for which you are legally liable. Dog insurance also compensates for the loss or death of the dog.

Choose your covers and customise a Pohjola Dog Insurance that best suits your dog.

Cover What do we compensate? Maximum amount of compensation Deductible
Medical treatment expenses insurance We compensate your dog’s veterinary expenses with no upper age limit.

We compensate your dog’s veterinary examinations and treatment as well as the costs of prescription medication necessary for treating the illness or injury.
Depending on your selected maximum compensation, either €1,000 , €2,000 or €3,000.

Your selected maximum compensation will decrease by 20% from its initial value per insurance period after your dog turns 10 years.
€70 per insurance period and either 30% or 40% of excess costs, depending on your selection.
Animal Insurance We compensate if your dog passes away or is lost before it has turned 10 years.

We will compensate for financial loss if your dog passes away or is lost/stolen or must be put down for animal welfare reasons.
Your selected sum insured 0 €
Animal liability insurance*

*Requires that you also include Animal Insurance cover
Liability insurance until your dog turns 10 years.

We will reimburse for bodily injury or material damage caused by your dog to a third party when you are liable for the damages under law.
Up to €85,000 150 €

As a poodle breeder, I want to be sure that my dogs get the best possible treatment when they need it.

Kisse Riihimäki

Dog Insurance is granted on the basis of the health declaration

Dog insurance and other forms of animal insurance are issued on the basis of a health declaration. Submitting the health declaration is easy online when buying insurance.

Dog Insurance can often be granted even if the dog is not fully fit. The decision is always made on the basis of the health declaration.

Dog Insurance compensates the treatment expenses of illnesses that started after the insurance was taken out, and also accidents, so as a rule no illness that existed before the insurance was taken out will be compensated. If you take out a policy for your dog while it is still young and healthy, you will get the best possible coverage.

Which factors affect the price of dog insurance?

The price of dog insurance depends on your dog’s characteristics, such as breed and age, your place of residence, and the scope of your insurance cover. The price of dog insurance is also affected by the maximum compensation, sum insured and deductible you select for the covers. The cheapest dog insurance is not always the best option, as insuring your furry friend as comprehensively as possible will often affect the total price of your dog insurance.

Does a dog need to be insured?

Dog insurance is not mandatory, but it helps you ensure that your dog will get good treatment, as well as secure your personal finances in the event of unexpected costs. The cost of medications, visits to a vet, and laboratory and X-ray examinations can be surprisingly high. Dog insurance compensates for expenses of up to €3,000 during an insurance period of one year.

The accidental death of a pet kept in the home will be compensated for up to 1,500 euros under MyHome Insurance. 

Vet’s bills and death of a pet caused by illness, however, will be compensated under the dog’s or cat’s own insurance. Dog or cat insurance can also be taken out without home insurance.

Please note that home insurance does not cover loss or damage caused by a pet through chewing, tearing or scratching.

As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.

The insurance is issued by Pohjola Insurance Ltd.