Pet insurance for your cat or dog

The insurance period is one year. We reimburse medical expenses up to an annual insurance limit.

The following shall be reimbursed:
- the cost of necessary veterinary assistance for the treatment of an injury resulting from an unexpected illness or accident, including visit and consultation fees;
- expenditure on treatments, veterinary aids and medicines;
- medicines obtained on prescription by a veterinarian.
Expenses are reimbursed on the basis of a expense document issued by a veterinarian or veterinary pharmacy.

Not reimbursed:
- costs of transporting the animal;
- regular and foreseeable veterinary costs;
- visit fees, consultation fees and other costs if the animal was not ill or injured.
Read more about the terms and conditions of pet insurance. "

According to the chosen package, the insurance cover is valid in Estonia, the Baltic States or the European Union.

We indemnify for property damage caused by the insured pet to third parties during the insurance period, for the compensation of which the owner or legal possessor of the animal is liable on the basis of the applicable legislation. E.g. the dog chews on a neighbor's expensive leather shoes.

In the event of the loss of an animal, we will reimburse documented reasonable and necessary expenses:
- publication of an advertisement for a missing animal
- animal invention fee
- the cost of finding or keeping an animal (food, etc.) for the finder or shelter.

We reimburse the medical expenses incurred due to the destruction and damage of the tooth.

The insured event of death is the death of the animal as a result of an unexpected illness (incl. Euthanasia for veterinary indications), unless the disease started before the beginning of the insurance period.

An insured event of theft or loss of an animal is a situation where the lost animal has not been found within 90 days as of the day when the policyholder notified the insurer of the theft or loss of the animal.

A reduction in the value of a dog is an unexpected illness or accident of the dog, as a result of which the dog can never perform hunting or service duties again.
In the event of a reduction in the value of the dog, the amount of the insurance benefit shall be 50% of the sum insured for the death of the dog.

A pet owner travel cancellation  is the cancellation or interruption of the journey of the animal owner and the animal owners' family, which is caused by an unexpected and unforeseen illness or injury of the animal, due to which it is necessary to operate to save the animal's life.