The deductible is the part of the vet cost that you have to pay yourself in the event of an injury. We reimburse the rest.

Fixed deductible is only paid at the first vet visit each deductible period. Lassie's deductible period is 365 days and coincides with the insurance period.

Variable deductible is paid for each injury. It is a pre determined percentage of the veterinary cost (after any fixed deductible has been paid).

You choose the level for your fixed and variable deductible when you purchase your pet insurance and you can see it in your insurance letter. The size of the deductible affects the price of the insurance. A higher deductible results in a lower insurance price. You can test how your price is affected by the size of the deductible when you calculate a price proposal.

Example of a deductible for dog insurance:

Let's say your vet visit costs 12 000 SEK. You have a fixed deductible of 1 900 SEK and a variable deductible of 15%.

• You pay: 1 900 SEK (fixed excess) + 1 515 SEK (variable excess calculated on 10 100 SEK (12 000 kr - 1 900 SEK)) = 3 415 SEK

• Lassie reimburses the remaining amount: 8 585 SEK

The deductible is reset at the end of your insurance policy period.

A Deductible Period is what we call the time during which you only will have to pay the fixed deductible at the first insurance claim . This period is 365 days and start at the beginning of the insurance year. This means that the deductible period coincides with the insurance policy period. When you enter a new deductible period you will have to pay the fixed deductible again when you file a new claim.

(The variable deductible is paid with each claim.)

Read more about deductibles and the Deductible Period in our insurance terms.

Yes, we do and we even have the best opening hours for direct regulation in Sweden. Your veterinarian has the possibility to directly report an injury to us weekdays from 08-17 (except holidays).

When the claim is settled directly, you won't be out of pocket and you'll only have to pay for the fixed and variable excesses. Lassie settles the rest directly with the vet - great, eh?

Not all vets offer direct settlement. Your vet may charge a fee for this.

An online vet is a vet that you can have video calls with. It's often a good first step to contact a digital vet when you're worried about your pet's health but it’s not an emergency. It saves your cat or dog a usually stressful visit to the vet and often saves you both time and money. Sometimes a digital vet visit is all that's needed, and sometimes the vet can recommend a next step.

Calls to a digital vet are included in all Lassie's insurances. You can call about everything included in your insurance, as many times as needed. It doesn't affect how much you have left of the year's veterinary care amount.

You can call from 06:00 to 02:00 every day. You can see in the app which digital vet you can contact. There is also a link to the download page for the vet's app, if you don't already have it on your phone. Here is a more detailed description of how to call a digital vet.

Examples of what you can call a digital vet about:

• Vomiting and diarrhea

• Skin problems and itching

• Cold (cough and runny nose)

• Poisoning

• Accidents

When you complete tasks in the app, such as courses and challenges, you can earn points. The points you collect can then be redeemed for a discount on your pet insurance. The size of your discount depends on how many points you have collected. You can get a maximum discount of 500 SEK per year for a dog, and 250 SEK for a cat.

If you pay your pet insurance monthly, the discount will be deducted from your next monthly invoice (and subsequent invoices if the discount exceeds the monthly amount). If you pay annually, you will instead receive a refund a few days after the discount is activated.

An activated discount is, for insurance reasons, only valid during the current insurance year. Your collected but unused points carry over when a new insurance period begins, but each individual point can only be redeemed once.

You'll find your discount under "Rewards" in the app once you've collected enough points.