1. Private client
  2. Insurance
  3. Pet insurance

At If we provide insurance for your dog or cat against illness, getting lost, or another unexpected accident.

We insure both purebred and mixed breed pets who are at least 4 months old but not older than 7 years. If has already insured more than 3, 500 dogs and cats.

With If´s pet insurance you can get the widest insurance coverage in Estonia. 

All the insurance packages have deductible 60 euros.


  • Coverage in Europe

    Cover for death, theft, and getting lost also applies in the European Union.

  • No deductible

    We will compensate for advertising and reward, and for reduction in the value of a hunting dog or a working dog.

  • Owner’s liability insurance

    If, for example, your dog happens to bite a passer-by, we will compensate for the damage caused.

What does the size of the insurance premium depend on?

  • The breed of your dog or cat
  • The age
  • The chip existence
  • The chosen insurance sum (pet´s purchase price + training costs)

We do not compensate for:

  • Medical costs incurred outside Estonia
  • Dental treatment costs
  • Claw trimming, ear cleaning, etc.
  • Allergy treatment
  • Treatment for congenital and hereditary diseases
  • Treatment for chronic diseases
  • Costs for pet transportation
  • Birthing costs associated with veterinary care

For more information, read the insurance terms and conditions!


  1. Private client
  2. Insurance
  3. Pet insurance