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Dog insurance

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

Use our FirstVet online veterinary service and our veterinary clinic partners

With the Pohjola Dog Insurance you gain access to the free FirstVet online veterinary service, and in case of loss or injury, our veterinary clinic partners will help. As a fixed-time benefit you also have access to the Pup Advisory Service for your pup below 1 year of age, through which the vet provides information on the pup stage, on the care of a pup and its development.

Free and unlimited access to FirstVet online vet service

The Pohjola Dog Insurance gives you free and unlimited access to the Firstvet online vet service, if you include a medical treatment expenses insurance for costs relating to health care. The offer is available until further notice.

If you have concerns about the health of your dog, with the FirstVet service, you can consult a vet remotely by means of a video call – even during the same day. The FirstVet online vet will give you an evaluation of the dog’s state of health and instructions for further treatment, if necessary. If no further measures are needed, you will get clear instructions for home care. 

Read instructions on the FirstVet service in Pohjola Claim Help

Fixed-term benefit: Pup advice on your pups

Do you have a pup or are you planning to buy one? 

If you protect your pup with the Pohjola Dog insurance no later than on 30 November 2019, you will get the Pup advisory service for your pup free of charge. During the virtual visit, the veterinarian will give you information on the pup stage of the breed of your dog, its development and what you should consider at various stages of the dog’s life. 

The benefit is available to all Pohjola Dog insurance policies including medical treatment expenses insurance bought no later than 30 November 2019. You must also use the Pup Advisory Service consultation no later than 30 November. The service is provided by FirstVet AB.

How to utilise the fixed-term Pup Advisory Service benefit

Vet clinic partners for the benefit of your dog

If your dog falls ill or is injured and requires treatment, you can go directly to our veterinary clinic partner. Our partner will provide the care your dog needs, and you do not have to make a loss report afterwards. Our partner will take care of filing a claim for you at the clinic. At the clinic, you only pay the deductible in accordance with your Dog Insurance, and the clinic will invoice Pohjola Insurance for the remainder of the fee.

Look for a local partner att OP Claim Help

The TassuApu service stores the data of your dog

The TassuApu web service helps keep your dog’s health and hobby information handily stored and up-to-date. As a Pohjola Dog Insurance customer, you get TassuApu free of charge for three months.

Learn more about TassuApu

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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.


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.

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.
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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.


Choose your covers for 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

The health declaration that is required for Dog Insurance and other Animal Insurance is easy to fill in online when you buy the 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.

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.

Owner-customer benefits

If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.

Other benefits

  • A 40% increase in the sum insured under life insurance
  • 200-euro benefit of the deductible under MyHome Insurance
  • one-year, free-of-charge life insurance for parents with a child under one year of age

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit.

OP bonuses are used for the bank’s service charges and insurance premiums.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.