Attention! Phishing emails are being sent in the name of If, asking you to pay an allegedly unpaid invoice. Be careful — if the email seems suspicious, don’t click the “Pay invoice” button. You can safely view your invoices in our self-service or in the If Mobile app. If needed, get in touch with us.

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
Calculate price
Dog and cat, two furry friends, resting outdoors on the grass.
What's covered? Frequently asked questions Report a claim

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

  • 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.
  • We’ll cover the loss without a deductible if your pet goes missing, is stolen, or passes away due to an accident or a sudden serious illness.
  • Extensive coverage across most of Europe with the Superlemmik+ package – including up to €10,000 per year for medical expenses, €10,000 in third-party liability, and €200 for dental care.
Insure your pet from just 2 months old

You can insure both pedigree and non-pedigree cats and dogs – including hunting and service dogs. To make your journey together worry-free from the very beginning, we recommend getting insurance as soon as your pet turns 2 months old.
Pets can be insured up to the age of 7, meaning the policy should be started before their 8th birthday.

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 €1,000 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 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 €10,000 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 insurance package for your pet

If Pet Insurance Risk Coverages Lemmik Superlemmik Superlemmik +
€2500 €5000 €10,000
€400 €700 €1000
Not included Not included €200
Not included €3500 €10,000
Not included €100 €100
Not included Included Included
Not included Included Included
Not included Included Included
Not included Included Included
Estonia Baltic States Europe
Calculate price

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

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

If's Pet Blog

See all articles

Check out also our other insurances:

See all