Pet insurance for your cat and dog

If your four-legged friend has an accident, falls ill, or goes missing, your biggest wish is for everything to be okay again – and fast. Pet insurance is here to support you during tough times, helping you manage unexpected costs.

A pedigree or a lovable mix – all kinds of cats and dogs can be insured
Starting from €10/month
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Dog and cat on the grass. Pet insurance helps to take care of your pets' health.
What's covered? Frequently asked questions Report a claim

Why insure your dog or cat with If's pet insurance?

  • Protection without age limits

    Making tough situations easier – in addition to covering medical expenses, you can also be protected if your pet causes damage to others, goes missing, gets stolen, or passes away.

  • Tailor the insurance that suits you

    Choose the most suitable option from three packages. You can impact the insurance price by choosing the deductible. A higher deductible results in a lower premium.

  • Protection without age limits

    If you insure your cat or dog with us before its 3rd birthday, you can renew medical cost coverage regardless of your pet’s age.

New! Pet insurance treatment cost coverage can last a lifetime if you insure your pet before its third birthday.

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When does pet insurance come in handy?

When your pet falls ill unexpectedly

Illnesses can affect our pets just like they do us. A visit to the vet can easily cost hundreds of euros. With If’s pet insurance, you’ll be reimbursed for your dog’s or cat’s treatment and medication costs – up to €3,000 per claim, depending on your chosen package – if they fall ill suddenly and unexpectedly.

When your pet has an accident

Dogs and cats are curious and active, which means accidents can happen – from poisoning and swallowed objects to incidents outdoors or on the road. If’s pet insurance covers treatment and medication costs for unexpected accidents, up to €1,000 per claim, depending on your chosen package.

When your pet causes damage to others

We may think we know our pets inside out, but animals can sometimes behave unpredictably and cause harm to other people – whether to their property or their health. And those damages can be costly.
If’s pet insurance covers damage caused by your insured dog or cat to others, up to €5000 per event, depending on your chosen package.

When your pet goes missing or is stolen

It’s heartbreaking and unexpected, but sometimes our pets go missing – or are stolen. Nothing can truly comfort a worried pet owner, but having insurance gives you the chance to be reimbursed for the costs related to finding your pet – from posters to recovery – all without a deductible.
In the worst-case scenario, if your pet hasn’t been found within 90 days, we’ll reimburse the insured amount.

A kitten being examined by a veterinarian during a check-up.

Choose the right package for your pet

Insured amounts in the table apply per insurance event. For full risk details, see the terms and conditions at the bottom of this table.

If Pet Insurance Risk Coverages Lemmik Superlemmik Superlemmik+
Europe Europe Europe
600 € per event (from 01.10.26) 1600 € per event (from 01.10.26) 3000 € per event (from 01.10.26)
Not included 200 € 400 €
Not included Included Included
Not included Included Included
Not included 200 € 200 €
Not included 2000 € 5000 €
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Terms and conditions

Each insurance contract includes specific insurance terms that we rely on when indemnifying damages when an insurance event occurs. Please always review the insurance terms and conditions for coverage, exclusions, and insured events.

Applicable terms and conditions

Product information document

Previous versions

Good to know:

If you're insuring your pet for the first time, or switching to a plan with broader coverage during an active policy, your new insurance coverage will begin 14 days after the change takes effect.

Frequently asked questions about pet insurance

Which pets can be insured with If?

With If’s pet insurance, you can insure both dogs and cats – whether they are pedigree or mixed breed.

How old can a dog or cat be to get insured?

At If, you can insure both purebred and non-pedigree cats and dogs between the ages of 2 months and 7 years.

This means your pet can get their first insurance policy once they turn 2 months old, and the last new annual policy can be started while they are still 7 years old. For example, if your cat is already 7 years and 11 months old, you can still insure them for one more year – meaning coverage can continue until they are 8 years and 11 months old.

However, if you insure your pet for the first time before its 3rd birthday and it has been continuously insured with If since then, you can renew the medical expenses coverage at the end of each insurance period without any age limit.

What affects the price of pet insurance?

Pet insurance premiums with If start from €10 per month and depend on several factors:

  • the insurance package you choose
  • your dog’s or cat’s breed
  • your pet’s age
  • whether your pet has a microchip
  • the selected sum insured (including the pet’s purchase price and training costs)
  • the selected deductible amount
What should I do if my pet gets sick or injured?

If your pet becomes ill or is injured in an accident, seek veterinary care immediately. Be sure to keep all receipts related to the treatment, including any medication costs.

To process your claim, we’ll need an overview of your pet’s condition and treatment. Please ask your vet for a medical report or certificate. You can refer to our sample form for guidance on the type of information we require – your vet can either fill it out or use it as a reference.

Submit a claim form and attach clear photos of the treatment receipts and the medical certificate. If applicable, also include any documentation from the police.

We’ll send you a confirmation of your claim registration via email or SMS. If we need any additional information, our claims handler will contact you.

We’ll reimburse you as soon as the treatment is complete and all necessary details are clear. You’ll receive the decision by email or SMS.

What expenses are not covered by If’s pet insurance?

If offers the broadest pet insurance coverage on the market today. However, there are some costs that are not covered, including:

  • vaccinations
  • nail trimming and ear cleaning
  • allergy treatments
  • costs related to chronic or congenital illnesses
  • transportation costs for the pet

Be sure to review the coverage details and exclusions of your selected insurance package.

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