Dog insuranceProtect 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.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
Dog insurance discount for prime customers
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 insurances 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 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?
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.
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.
The price of dog insurance depends on many factors
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.
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.
Benefits from Pohjola Insurance
You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:
- 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
- as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
- free 40% increase in the sum insured under life insurance.
If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.
Regardless of your number of policies or type of customer relationship, we always offer the following benefits:
- a 2.5% discount when paying your insurance bill in one instalment.
- a permanent 5% discount on life insurance purchased online.
- free life insurance for one year for parents of children under 12 month
Benefits for OP cooperative bank owner-customer
As an owner-customer, you get the following benefits regardless of your number of policies:
- OP bonuses you accrue will be used to pay insurance premiums*
- free 40% increase in the sum insured under life insurance.
- deductible benefit of 200 euros for MyHome Insurance.
- free Product Protection Insurance for purchases made using OP credit cards
*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.