Our insurance covers hidden defects if your Swedish-born kitten/puppy has been continuously insured since before 120 days of age and had an approved veterinary certificate that was no more than 10 days old when the insurance started. If your kitten/puppy has not been examined by a veterinarian before 120 days of age, a waiting period of 12 months applies from the date the insurance started.

Hidden fault means that a defect or disease developed before the veterinary examination but was not detected during the inspection. Read more about hidden faults in our insurance terms.

You do not need to keep insuring your puppy or kitten with the same company as the breeder. You can choose Lassie even if your breeder has a different insurance!

It is always a good idea to plan for the new family member's insurance before the delivery day. You are responsible for them and their insurance from the day you purchase them and take them home. Remember that a veterinary examination of the dog or cat preferably should have taken place within 10 days before that date. This is because if you insure a puppy or kitten that is under 120 days old and has an approved Swedish veterinary certificate that is at most 10 days old, the insurance applies directly, without a waiting period. You can insure your new puppy or kitten with us from six weeks old.

Take the opportunity to learn more about puppies or kittens by reading our articles before you pick up your four-legged new best friend. If you have the app, you can start collecting knowledge points there today and then use them to get a discount on your insurance!

Veterinary care insurance (that is, regular dog insurance or cat insurance) can be bought from when the puppy or kitten is six weeks old. (Note that you get the best coverage if you have an approved veterinary certificate when you insure a little one who is under 120 days old.) There is no upper age limit, so you can buy Lassie's dog insurance and cat insurance even for old dogs and cats.

For the life insurance, however, there are upper age limits.

The breeder's insurance protects the very youngest puppies and kittens.

All that is included in an insurance policy is not necessarily covered from day one. For certain things to apply, a waiting period must be passed. In the case of pet insurance, the waiting period is largely a protection against claims for damages that already existed before the insurance was taken out.

Accidents happen suddenly and there is no risk of them having started before the insurance was purchased, hence they are covered from the start, without a waiting period.

Lassie's waiting period for illness is generally 14 days (this is a short waiting period compared to most other Swedish pet insurances), but for certain conditions, longer waiting periods apply. Read more about them in the insurance terms.

In a few cases, the insurance applies directly, without a waiting period:

• When a puppy or kitten is insured before the age of 120 days and has an approved veterinary certificate.

• When you switch to Lassie from a comparable Swedish pet insurance. If the previous insurance was less comprehensive, the waiting period only applies to the increased coverage.

The insurance is valid in the Nordic countries. It also applies to temporary stays of a maximum of one year throughout the world, where the animal may be brought back and forth without being quarantined according to the Swedish Board of Agriculture's regulations. For longer stays abroad (more than three months), Lassie must be informed in advance and agree to this. See further information in our terms and conditions.

Need help with your pet insurance? Contact us via the chat in the app or the website!

The insurance price usually increases with the pet's age. This is because the risk of the dog or cat needing veterinary care increases. The price can also sometimes be raised due to the cost of veterinary care increases or other cost increases. We avoid price increases as far as we can because we want to offer the best value for your money but when we need to make a price increase, we promise to announce it in advance.

It can often feel especially important to insure an older pet, precisely because they often need more care. We have no upper age limit for our veterinary care insurance, so Lassie may be a suitable choice when you want to insure a senior dog or cat!

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.

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.