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.
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.
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.
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.
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.
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.
| 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 |
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.
With If’s pet insurance, you can insure both dogs and cats – whether they are pedigree or mixed breed.
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.
We’re working to offer peace of mind to pet owners for as long as possible.
If your pet is 8 years old and approaching 9, and has been insured with If for at least five consecutive years, we may offer a bonus extension – allowing you to continue coverage for up to three more years. In this case, the final annual policy can be started when your pet is 10 years and 364 days old, with coverage lasting until they are 11 years and 364 days old.
Please note that for older pets, we assess the insurance risk individually. In some cases, we may not be able to offer coverage if the risk is too high, even if your pet is within the eligible age range.
Pet insurance premiums with If start from €10 per month and depend on several factors:
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.
If offers the broadest pet insurance coverage on the market today. However, there are some costs that are not covered, including:
Be sure to review the coverage details and exclusions of your selected insurance package.