Breeders' insurance

Hidden defects apply to a disease or defect that developed prior to examination by a veterinarian and was not detected during the veterinary inspection.

Veterinary care for the puppy/kitten from birth to the day of delivery to the new owner or foster carer, up to 4 months of age, with a total veterinary fee of SEK 30 000 for all the members of the litter. In the event of death or euthanasia due to established illness or injury between the ages of five and 12 weeks, compensation will be paid at the rate of SEK 10 000 per puppy and SEK 8 000 per kitten (with a maximum market value).

An investigation may be replaced when a male is suspected of being sterile and if a bitch/female does not become pregnant after mating.

Life insurance for breeders has a maximum amount of 50 000 SEK for dogs and 20 000 SEK for cats. Compensation is paid if your dog or cat dies as a result of an injury or illness.

OBS❗️ You can only buy Life with usefulness for your dog/cat if you buy veterinary and life insurance at the same time.

For more information on what Life with Usefulness covers - please see "7. Life with Usefulness (optional supplement to Life Insurance)" in our policy conditions.

Supplementary insurance: Life with Usefulness

If you buy Life Insurance, you can add Life with Utility with respect to breeding, but it also includes hunting dogs.

The insurance applies, among other things, if the dog loses the hunting ability it has been proven to have had as a result of a disease with clinical symptoms or an accident, or if a bitch or female cat loses the ability to reproduce as a result of a disease with clinical symptoms before the age of 24 months.

In the event of loss of usefulness, the market value of the dog/cat is reimbursed, but not more than SEK 20 000 for cats and SEK 50 000 for dogs (the market value must be underlined, for example, by a receipt).

Life with usability is not reimbursed if compensation has already been paid from the life insurance - and vice versa.

The excess is the part of the cost of the claim that you have to pay yourself each time you make a claim. Lassie offers different options for fixed and variable excess. The deductible you have chosen is shown in your policy.

Fixed and variable deductibles basically mean that you choose a fixed deductible that is deducted for veterinary visits. If the cost of the visit exceeds your deductible amount, you pay a percentage of the amount remaining after the fixed deductible is paid. The remaining amount is the reimbursement we pay out.

Example of deductible:

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

• You pay: SEK 1 500 (fixed deductible) + SEK 1 575 (variable deductible calculated on SEK 10 500 (SEK 12 000 - SEK 1 500)) = SEK 3 075

• Lassie reimburses the remaining amount: 8 925 kr

With a high deductible, Lassie pays out a smaller amount each time a claim is made, which means you get a lower insurance price with us. With a low deductible, Lassie pays out a larger amount for each claim, which means you get a higher insurance price with us. Choose the deductible that suits you and your situation.

Our deductible period is 365 days. You pay the fixed excess only once per insurance year, regardless of the number of visits to the vet. You pay the variable excess each time you make a claim.

The insurance is valid in the Nordic countries. It is also valid for temporary visits of up to one year to countries in the European Economic Area and United Kingdom, to which the animal may be brought and returned without quarantine according to the Swedish Board of Agriculture's regulations. For longer stays abroad (more than 3 months), you must inform us in advance and obtain our approval.

Contact us via the chat in the app or the website and we will help you!

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?

Read more about direct settlement here.

Our deductible period is 365 days. You pay the fixed excess only once per insurance year, regardless of the number of visits to the vet. You pay the variable excess on each claim.

Yes, we cover hidden defects if your puppy/kitten has been examined by a vet before 120 days of age and has been continuously insured for veterinary care before 120 days of age.

A latent defect means that a disease or defect has started to develop before examination by a vet but is not detected during veterinary inspection.

Our insurance has a waiting period of 14 days. This means that the insurance does not cover illnesses that appear within 14 days of the start of the insurance.

The waiting period does not apply to accidents.

For a puppy or kitten insured before it is 120 days old, the insurance applies immediately (without a 14-day waiting period) if there is a veterinary certificate with no remarks. The certificate must not be more than 10 days old.

If you switch insurance to us at Lassie directly from another Swedish pet insurance policy, the insurance will apply immediately without a waiting period, provided that the scope of the insurance is the same. If you change to a higher cover with us, there will be a waiting period, but only on the increase.

For caesarean sections, the waiting period is 60 days.

An accident is a sudden event that affects your pet physically. If your pet swallows a foreign object or is exposed to an acutely poisonous substance, that also counts as an accident.

If your dog or cat has an accident, this could mean your dog swallowing a foreign object or your cat falling out of a tree. Illness that occurs during the waiting period does not count as an accident.

For more information, please take a look at our policy conditions.

As the risk is affected by the age of the dog/cat, the price will increase slightly with age. Exactly how much is not possible to say. We also need to take into account general price increases, such as increases in veterinary costs.

That said, we are working hard to avoid any major price changes. The only thing we can promise is that we will give advance notice of any increase and that we have no lock-in period. We don't lock you in as a customer so if you are unhappy you can switch from us.

The veterinary care amount is the amount we can reimburse you per year for veterinary care. The amount of veterinary care is per policy year and when your policy is renewed, your amount is also reset. Mini, Medium and Large have three different maximum limits.

• Mini: 30 000 kr

• Medium: 60 000 kr

• Large: 160 000 kr

You can add an animal to your current policy in our app and on the website.

If you buy a new policy online and already have another dog or cat insured with us, you'll need to link up with BankID again in the app for the policy to show up there.

You can insure your puppy or kitten from the age of six weeks.

You can buy insurance from us without a veterinary certificate. The waiting period is then 14 days for illness. For accidents it applies immediately. You can buy the insurance only when the dog/cat is in Sweden.

Since it is an imported dog/cat, we would like to draw your attention to this:

• The insurance does not apply to illness caused by parasites and/or illness caused by infection that the dog or cat brought with it when it was brought to Sweden. The insurance is also not valid for injury and/or problems that the dog or cat brought with it when it was brought to Sweden.

If you have a monthly payment, we will deduct money for your insurance on the 28th of each month. If you have an annual payment, we will deduct money 15 days after your insurance becomes active.

No, we won't pay for damage if you make money from your pet or if it's part of a business.