Dog insurance through thick and thin

Your dog insurance allows you to share the risk of high veterinary bills with other pet owners!

You pay a predetermined amount for your insurance each year, and in return, you won't have to cover the full cost if your dog needs veterinary care for an injury or illness covered by the insurance. Instead, you only pay your deductible, and the insurance covers the rest!

So, dog insurance makes your finances a bit more predictable. While you do pay for the insurance, it reduces the risk of having to pay large veterinary bills on your own.

That's why we offer different sizes of insurance. You can decide if you want to pay a higher premium to further reduce the risk of facing a veterinary bill that is not covered, or if you prefer to pay less for insurance that also has less coverage.

Another way to customise the insurance to your situation is by choosing the size of the deductible. The deductible is the part of the veterinary cost that you have to pay yourself. A deductible is a common way to discourage unnecessary risk-taking. With a higher deductible, the insurance premium is cheaper, and vice versa.

Our dog insurance also comes with other benefits, such as the ability to make video calls to veterinarians and access to many courses on how to provide your dog with better conditions for a healthier life.

The easiest way to get a dog insurance with Lassie is to get a price proposal in the app or on the website. Then we will ask questions about your dog and let you adapt the insurance according to your needs. You can also see how your choices will affect the price of the insurance. When you are satisfied with your choices, you can buy the insurance!

You will receive an insurance letter by email and you make your first payment in connection with the start of the insurance. You also get access to a payment portal where you can manage your payments.

You can download our app before or after you have bought a dog insurance. When you have acquired an insurance, it can be linked to the app and then you have all your insurance information gathered in one place and can use the points you have collected in the app to lower your insurance price!

There are a few things to consider when transferring dog insurance between different companies:

• Many dog insurances have commitment periods, then you can only cancel your insurance at the end of a policy period.

• To get the best possible coverage with the new insurance, make sure it starts immediately when the old one ends. A gap between insurances would mean you will have waiting periods that you could otherwise avoid, and there are certain conditions that are advantageous for animals that have been insured without interruption since before the age of 120 days.

We can help you piece together the company change smoothly! When calculating your price proposal and customising your insurance, you can let us retrieve information about your current insurance. That way, we can ensure that your new insurance starts when the old one ends and give you the opportunity to let us cancel the old insurance for you. This way, you can avoid unnecessary hassle while feeling confident that the dates are correct!

If your dog has a medical history (especially in the last 24 months), you should carefully consider if switching insurance companies is a good idea since your new insurance will not cover previous issues!

You can easily find out your price via the "Calculate price" buttons or in our app. Don't forget that you can lower your price by up to 500 SEK per insurance year by being active and learning how to prevent illnesses and injuries in the Lassie app. Plus, with our buddy discount, you can lower your insurance price even more.

Your exact insurance price varies depending on how much is included in your dog insurance. The large packages cover more and therefore cost more. If you choose a higher deductible, you will get a lower insurance price, but then you will also have to bear a larger part of the cost of a possible veterinary visit.

The price of dog insurance is also affected by various factors connected to the dog. This includes, among other things, the breed, age and gender of the dog. This is because these factors affect the risk. The price of your dog insurance is also affected by which municipality you live in.

Download our app and we'll help you choose the right dog insurance!

Yes, the deductible you choose affects your insurance price.

If you have a high deductible on your dog insurance, we pay out a smaller sum at each veterinary visit, which means you get a lower insurance price.

If you have a low deductible, on the other hand, we will pay out a larger sum at each visit to the vet, which means that you will receive a higher insurance price.

You choose the deductible that you think suits you and your situation. Try different levels when you calculate your price and see the difference it would make for you!

Annual payment: Your payment is made at the start of the policy period. If you wish to renew the insurance, a new annual payment will be deducted when the new insurance year starts.

Monthly payment: Your first payment is made at the start of the policy period. Then we will withdraw money on the 28th of each month (the exact timing of the withdrawal may vary up to 3 days depending on the payment method). If you want to renew the insurance when the insurance year ends, a withdrawal will be made when the new insurance year begins, and then the money will be withdrawn on the 28th of each month as usual.

You can find information about your payments in the payment portal. Please contact us if you suspect that something is wrong with your payments.

You choose a start date yourself when you buy your dog insurance with us. It is from this date that the insurance for your dog starts to apply.

If you already have another dog insurance and want to switch to Lassie, you can choose to get help with the move when you customise your insurance. Then your new dog insurance starts to apply when your binding period expires with your current insurance company instead.

Your dog insurance (the veterinary care insurance) is renewed on a yearly basis (but since Lassie has no commitment period, you can choose to cancel your insurance at any time). The renewal is automatic. You can keep your dog's insurance for its entire life.

The Life Insurance add-on is automatically renewed each insurance year, along with the dog insurance. The Life Insurance expires when the dog is 8-12 years old, depending on the breed. (See Terms & Conditions to find the limit for your specific breed.)

The Breeder's Insurance is also an add-on. It is valid for one year at a time and the entire period is paid in advance. When the period is over, the insurance is automatically renewed. If the Breeder's Insurance is taken out after the veterinary care insurance started, the insurance periods will not coincide. If you wish to cancel the Breeder's Insurance prematurely, no refund will be made.

Lassie dog insurance is valid within the Nordic countries and when you visit countries within the European Economic Cooperation Area and Great Britain for a maximum of one year. Let us know in advance if you are travelling for more than three months.

Exactly what is covered varies between different insurance packages, so some of the things covered in a more comprehensive package may not be covered in a smaller one. The Terms & Conditions will tell you what is not covered and what is not paid for in each package.

In general, damages and illnesses that existed before the insurance started are not covered. Illnesses that arise during the waiting period can also lead to exceptions. Pay attention to this when reading the conditions and your insurance policy, as everything that is covered for a dog without a medical history is not necessarily covered for a dog with previous issues.

Some illnesses and procedures are subject to waiting periods and are not initially covered. Refer to the Terms & Conditions to see when this applies.

The insurance also does not apply everywhere. Keep this in mind when traveling abroad with your dog.

Imported dogs do not have coverage for any problems they brought with them when they arrived in Sweden.

Also, keep in mind that there are safety regulations that must be followed. If they are not followed, any potential compensation may be reduced or not paid out at all. You will also not receive any compensation for insurance claims that you have caused intentionally.

Lassie's dog insurance is a veterinary care insurance and primarily covers unforeseen veterinary costs.

There are three different packages to choose from. The largest package covers the most injuries and highest costs but is also the most expensive. The other packages have lower coverage but also a lower price. You can find detailed information about what is included in the insurance in our terms and conditions, but for a summary, you can look at the large table here on the dog insurance page, the fact sheets you find in the footer or the overview you get when you calculate your price.

Your dog insurance's veterinary care amount corresponds to the highest amount that Lassie can reimburse you for veterinary care per insurance year (insurance period). When you renew your dog insurance with us, your amount is reset for the next insurance year.

Our three insurance packages for dogs have different veterinary care amounts:

• Mini: Covers veterinary care costs up to SEK 30,000 per insurance year

• Medium: Covers veterinary care costs up to SEK 60,000 per insurance year

• Large: Covers veterinary care costs up to SEK 160,000 per insurance year

There are lower maximum amounts for certain specific types of expenses (see the terms and conditions).

The deductible is the part of the cost you are responsible for in the event of an injury. Lassie will reimburse you for the rest of the veterinary costs. The purpose of the deductible is to encourage caution. The deductible is divided into a fixed part and a variable part.

The fixed deductible consists of a predetermined amount and is only paid at the first time of claim each deductible period. A lower fixed deductible will result in a more expensive dog insurance and a higher fixed deductible will result in a cheaper dog insurance.

The variable deductible corresponds to a percentage of the claim cost (excluding fixed deductible) and is paid at each claim. A lower variable deductible will result in a more expensive dog insurance policy and a higher variable deductible will result in a cheaper dog insurance policy.

When you get a dog ​​insurance from Lassie, you can choose between a number of deductible levels. In your insurance policy, you can see what levels you have chosen for your dog insurance.

Example of calculation of deductible and compensation for dog insurance:

Let's say your vet visit costs 12 000 SEK. You have a fixed deductible of 1 500 SEK and a variable deductible of 15 %.

• You pay: 1 500 SEK (fixed deductible) + 1 575 SEK (variable deductible; 0.15* (12 000 - 1 500) SEK) = 3 075 SEK

• Lassie reimburses the remaining amount: 8 925 SEK (12 000 SEK - 3 075 SEK)

Lassie's deductible period is 365 days and starts at the beginning of the policy year.

Lassie's dog insurance has a deductible period of 365 days and the deductible period coincides with the insurance period/ insurance year. You pay the fixed deductible only when you make the first claim of the deductible period. (Your variable deductible is paid at each claim.)

Lassies dog insurance has a waiting period of 14 days. This means that we do not compensate for illnesses that have appeared within 14 days of the start date.

In the event of an accident, however, the waiting period does not apply and you can receive compensation as soon as your dog insurance is active.

For c-sections and labour complications, a waiting period of 60 days applies in cases where it is covered.

For TR (FORL), the dog insurance applies after a waiting period of 12 months from the start date of the insurance.

For dogs that have not been insured without interruption since before the age of four months, a waiting period of 12 months applies for certain joint and bone diseases

If you insure your puppy before it is 120 days old, the dog insurance applies immediately without a waiting period. It is then required that your puppy is inspected without comment by a veterinarian and that the veterinary certificate is no more than ten days old.

For those who switch their pet insurance from another Swedish insurance company to Lassie, your dog insurance applies immediately without a waiting period. This assumes that your insurance at the time has the same scope as with us. If you choose a higher veterinary care amount, the waiting period only applies to the increase.

Do you want to know more about out waiting period? Then you can read more about it in the terms that apply to your dog insurance.

An accident means, in the context of pet insurance, a sudden external event that affects the dog physically. Like a fall or a cut. If the dog swallows a foreign object or gets poisoned, that also counts as an accident.

Accidents are covered by your insurance from day one .

Do you want more information about accidents? Then you are welcome to take a look at our insurance conditions.

There are a few different ways to report an injury and apply for compensation.

• In many cases, you can request to use direct claim settlement at the vet office. This way, you won't have to pay the part of the cost that Lassie reimburses, and we handle the payment directly with the veterinarian.

• You can also report your injury yourself. If you make your report in the app, you will receive guidance for each step of the process. You can also choose to report your damage via email. We provide a list of the information you need to include in a damage report via email on our page about what happens in the event of a damage.

If you have made a claim and we need more information about your case, we will contact you. You can also reach out to us if you are unsure about any step in the process.

The compensation is usually deposited into your account within a few days after a complete claim has been submitted.

We at Lassie offer a direct claims service with veterinary clinics all over Sweden. This means that when your dog is injured or becomes ill and needs veterinary care, you don't have to pay the full sum to the vet and then wait to be reimbursed. We simply take care of the payment directly with your vet. You only pay the fixed and variable deductibles and any administrative fees at the vet.

Your vet has the opportunity to directly report an injury to Lassie on weekdays between 08 AM and 17 PM (except for public holidays). Say that you want to report a direct claim and bring your insurance number to the vet.

Do you want to know more about direct regulation? Read more about submitting claims.