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Dog insurance is not just necessary in Denmark; it is also a way to protect man’s – and your own – best friend.
In Denmark, when you own a dog it is mandatory to have dog insurance with liability cover.
Under mandatory liability insurance we cover any damage that your dog may cause to other people, animals and property, but we also offer an upgraded version, Dog-Xtra, which covers the dog itself in the event of illness and injury.
No deductible for liability claims
You pay a deductible of DKK 0 for liability claims, and only 25% of the veterinary bill in the event of illness (minimum DKK 500).
Three in one
Dog-Xtra gives you the statutory liability insurance, as well as life insurance and health insurance for your dog.
Recommended by Maxi Zoo
Denmark's leading retail chain with everything for pets recommends If’s dog liability insurance for your dog.
Statutory dog liability insurance
The statutory dog liability insurance covers your liability if your dog damages other people, their property or animals.
The dog insurance covers the necessary veterinary costs for examination, treatment and laboratory tests in conjunction with illness or injury. You will also be covered for the medicine and dressing materials that the vet uses in the clinic.
The dog insurance will provide cover if the dog dies or has to be put down due to a serious illness or injury. Life insurance also provides cover if the dog runs away.
This dog insurance option provides cover if your dog injures a person who is voluntarily exposed to danger, e.g. for club or association purposes.
This might be a dog trainer or judge at a dog competition.
REMEMBER DOG INSURANCE
There are many advantages to protecting your dog with our dog insurance.
You can choose whether to take out:
- Dog liability insurance
- Dog-Xtra, which includes dog liability insurance, dog health insurance and dog life insurance.
In addition, you can buy extended dog liability insurance if you e.g. take your dog to figurant or attack training.
MAXI ZOO RECOMMENDS IF'S DOG LIABILITY INSURANCE
It is really important to have dog liability insurance for your dog. This is not just because this is a statutory obligation in Denmark, but also because it can be really expensive if your dog e.g. damages someone's expensive shoes or scares a cyclist, who then falls and damages the bicycle.
Maxi Zoo, Denmark's leading retail chain with everything for pets, recommends If's dog liability insurance for your dog.
ADVANTAGES OF DOG INSURANCE COVERING LIABILITY
It is mandatory to have dog liability insurance in Denmark when you have a dog. This insurance protects the people around you, as well as their property and animals, if your dog is the cause of any injury or damage.
Dog insurance is especially good to have if:
- Your dog causes a car accident
Your dog runs away from you and right out in front of a car. The motorist swerves to avoid your dog, but instead drives into a tree.
In this case, the dog liability insurance covers the damage to both the motorist and his property – and if the motorist does not have comprehensive insurance for the car, the insurance will also cover any damage to the car.
- Your dog starts a fight
Your dog starts a fight with a cat that does not belong to your household. Both animals are injured and must be admitted to a veterinary hospital.
The dog liability insurance covers the cost of the cat's stay – vet, admission and medicine. You must pay the costs of your dog's care yourself, unless you have taken out health insurance for the dog.
- You take your dog to figurant or attack training
If you take your dog to figurant or attack training, you can also extend your dog insurance with optional extended dog liability cover. Your need for this cover depends primarily on the club and the trainer, so you should ask them whether you need extended dog liability insurance.
DOG-XTRA: LIABILITY INSURANCE, ILLNESS/ACCIDENT INSURANCE AND LIFE INSURANCE, ALL IN ONE
ADVANTAGES OF ACCIDENT AND DOG HEALTH INSURANCE
Dog health insurance covers the costs of the vet's examination and treatment, as well as medicine and dressing materials used by the vet to treat the dog at the clinic.
The dog health insurance also covers the costs of necessary:
- Ultrasound scans
- Laboratory tests.
Not all dogs can be insured against illness or accident. The dog's age and health determine whether we can offer dog health insurance. Illness/injury coverage ceases automatically in the year in which the dog reaches ten years of age.
Dog-Xtra dog health insurance is especially good to have if:
- Your dog gets cancer
Your dog has a tumour that has to be examined. The vet recommends an operation and biopsies are taken from the tumour for examination in the laboratory. It turns out to be cancer, and the dog must have special cancer treatment in order to recover.
Dog health insurance will cover the costs of examination, surgery and care, as well as laboratory tests. You will have to pay for any medicine for the dog after it returns home.
ADVANTAGES OF LIFE INSURANCE
If your dog dies or the vet recommends that it be put down due to illness or serious injury, you will receive compensation from the dog's life insurance.
The compensation corresponds to the price of a puppy of the same breed. If your dog is a blind dog or a dog for a disabled person, you will get the value of an adult, trained dog. The life insurance cover will cease automatically in the year in which your dog reaches seven years of age.
Dog-Xtra life insurance is especially good to have if:
- Your dog runs away
Your dog runs away and is not found within three months, even if you have filed a missing dog report with the police and in the local newspaper. Regrettably, we cannot find the dog for you, but we can do the next-best thing: give you cash compensation so that you can buy a puppy of the same breed.
GET IT ALL WITH DOG X-TRA
If your dog falls ill, is injured, runs away, dies or has to be put down, Dog-Xtra is the right dog insurance. Dog-Xtra covers a wide range of situations that other dog insurance does not usually cover.
You can buy Dog-Xtra from when your dog is six weeks old and right up to the age of five.
REDUCE THE COST OF YOUR INSURANCE WITH OUR REWARD PROGRAMME
When your car, your household contents or your house are insured with us, you will automatically be part of the If reward programme, which includes a 10% discount on all insurance, in addition to DKK 100 added to special savings on your deductible for each claims-free year.
If you combine your car and household contents or house insurance with us, you will get a 15% discount on all insurance, in addition to savings on your deductible of DKK 200 – and if you also insure yourself, your partner or child with us, the savings on your deductible will increase to DKK 500, and you will have access to our insurance service.