Customize your insurance to your needs

When you buy a dog insurance from us, you get to choose from 3 different insurances:

1. Dog Liability
2. Dog Plus
3. Dog Super.

You also get to choose whether or not you want add ons:

1. Extended liability
2. Life
3. Breeder.

You can add Extended liability to both Dog Liability, Dog Plus, and Dog Super. The add ons Life and Breeder can only be bought in combination with the more comprehensive Dog Plus and Dog Super insurances.

Dog Liability

In Denmark, it is statutory to have a dog insurance with liability cover when you own a dog.

This type of dog insurance covers if your dog causes damage to other people, their belongings or animals.

The common dog liability insurance also covers if your dog goes to puppy training and the like. Do your dog partake in figurant or attack training, you should expand your dog insurance with the add on Extended liability.

Dog Liability does not cover your own dog if it gets injured or sick. You should upgrade to either Dog Plus or Dog Super if you want a dog insurance that covers in case of accidents and illness.

You can always buy Dog Liability, and the insurance covers for as long as the dog lives, provided the dog is insured with us.

Dog Plus

Your dog will be well covered with the dog insurance Dog Plus, e.g. If the dog becomes ill, is injured, needs a caesarean section, or get puppies.

You can buy a dog insurance with Dog Plus from your dog is born. The liability and accident cover apply when the insurance takes effect, while the health coverage comes apply at the earliest when the dog is 8 weeks (61 days). The insurance covers the entire dog's life provided the dog is insured with us.

There is a general waiting period of 20 days for diseases, If the dog has not previously been insured against this at another Danish insurance company. The accident cover applies from the start date of the dog insurance.

If your dog has reached the age of 6, it must already be insured against diseases at another insurance company in Denmark, for it to get this insurance. Dog Plus can be purchased until the dog turns 9 years.

Dog Super

Besides including the statutory liability insurance and covering in case of illness and accident, Dog Super also covers e.g. operations, cancer treatment, and the treatment of allergies.

You can buy Dog Super from the day the dog is born. Be aware, that the health coverage comes into effect at the earliest when the dog is 8 weeks (61 days).

There is a general waiting period of 20 days for diseases, If the dog has not previously been insured against this at another Danish insurance company. The other coverages apply from the start date of the insurance.

If your dog has reached the age of 6 years, it must already be insured against diseases at another insurance company in Denmark, for it to be insured with us. Super Plus can be purchased until the dog turns 9 years.

When the dog is 10 years old, part of the cover is waived, and the Dog Super insurance is automatically converted into a Dog Plus insurance.

Extended liability

The add on Extended liability is great to have if your dog partake in figurant or attack training in a club or union.

Some clubs and dog trainers require you to have an extended liability dog insurance, so that all trainers, judges etc. are covered in case your dog causes them harm.

The difference between the standard, statutory dog insurance and the extended dog insurance is simple:

• The dog liability insurance covers if your dog injures an innocent, who has not contributed to the injury himself.
• The extended liability dog insurance covers all people, even if the injured was involved in the harm. E.g. if a judge gets bitten while checking the dog's teeth or a figurant provokes the dog to attack and gets injured.

Do your dog only cultivate puppy training and the like, it will be enough to have the regular dog liability insurance.

If you, on the other hand, cultivate something more violent such as attack and figurant training, you should check with your club if you need an extended liability dog insurance.

Another benefit when it comes to the add on Extended liability is that It also covers the dog sitter’s belongings.

You can always buy the add on Extended liability, and the cover applies for the entire dog's life provided it is insured with us.

Life

If your dog dies or the vet recommends it being put down due to illness or serious injury, you can be compensated via the add on Life.

The add on also covers if your dog ‘works’ as a hunting or breeding dog, and it becomes so ill or so badly injured that the dog can no longer perform its duties.

There is a general waiting period of 20 days before this add on applies if the dog is not already health insured at another company.

The add on Life is effective right up until the dog is 8 years old.

Breeder

This add on is for those who own a female dog that is used to breed puppies for resale.

Among other things, you can get help covering the expenses you have had as a breeder in connection with a sale if a buyer makes use of their warranty. Your female dog also gets the opportunity to get an extra emergency cesarean section and our regular Puppies coverage is expanded from 8 to 12 weeks.

There is a general waiting period of 20 days before this add on applies, if the dog is not already insured at another company.

The add on Breeder is effective right up until the dog is 8 years old.

When can I buy the dog insurance?

There are different rules for when you can buy the various dog insurances:

Dog Liability

You can always buy the dog insurance Dog Liability, regardless of the dog's age. The insurance covers for as long as the dog lives provided the dog is insured with us.

Dog Plus and Dog Super

You can buy Dog Plus and Dog Super from the day the dog is born. The health coverage applies from the dog is 8 weeks (61 days) and to the dog is 9 years old.

There is a general waiting period of 20 days for diseases, If the dog has not previously been insured against this at another Danish insurance company. The accident coverage applies from the start date of the insurance.

If the dog is 6-9 years old, it can only get Dog Plus or Dog Super if it is already insured against illness at another company in Denmark.

Extended liability, Life and Breeder

You can always buy the add on Extended liability, and the coverage applies for the entire dog's life provided the dig is insured with us.

You can buy the add ons Life and Breeder from the dog is born. The health coverage applies at the earliest from the dog is 8 weeks old (61 days), and there is a general waiting period of 20 days for diseases, If the dog has not previously been insured against this at another Danish insurance company.

The coverages are effective right up until the dog is 8 years old.

When does the health insurance cover?

The health coverage applies from the start of the dog insurance If your dog is already insured by another company.

There will be a waiting period of 20 days for diseases, if your dog is not already health insured at another Danish company. Accidents are covered from the insurance start date.

If your dog is 6 years old, it can only get Dog Plus or Dog Super if it is already insured against diseases at another Danish insurance company.

What if the dog has a congenital or hereditary disease?

Congenital or hereditary diseases are not covered by the dog insurance and will be exempted.

What if I live outside of Denmark?

Both you and your dog has to live in Denmark for us to insure your dog.

What if I take my dog abroad?

The dog Insurance cover your dog in the entire Nordic region and during short holidays in the rest of Europe. Your dog will be covered for vacations in Europe of up to 1 month with Dog Plus, and up to 3 months with Dog Super.

What does "deductible" mean?

Deductible means that you have to pay the first part of an expense yourself, e.g. a vet's bill, even though you have dog insurance.

There is no deductible on either the liability cover or Extended liability.

We cover 80-90% of your veterinarian bill when you have Dog Plus or Dog Super. However, you must pay a deductible of minimum DKK 1,000 or 2,000 on most coverages.

You can choose between two deductibles:

• 10%, but at least DKK 1,000
• 20%, but at least DKK 2.000.

There is a deductible for each treatment period lasting a maximum of 120 days starting from the first veterinary visit.

If your dog e.g. is operated and you get a veterinarian bill for DKK 10,000, the dog insurance will pay DKK 8,000 or 9,000, while you will have to pay 10 or 20%, i.e. DKK 1,000 or 2,000, yourself, depending on your chosen deductible.

How high is the dog insurance sum?

On the liability cover the insurance sum is DKK 10 million per bodily injury and DKK 3 million per damage to animals and things.

The insurance sum for Dog Plus is DKK 20,000 kroner, while it is 40,000 for Dog Super.

What shall I do if my dog dies?

If your dog dies or is to be sold, you can cancel your dog's insurance by using our online self-service or by contacting our Customer Centre.

Can the dog insurance continue if the dog changes owner?

If the dog's new owner contacts us no later than 20 days after the change of ownership, we assess whether the dog insurance can continue. If the dog insurance continues, it will be without a waiting period.

For how long do the different dog insurance apply?

Dog insurances:

• Dog Liability: The dog’s whole life.
• Dog Plus: The dog’s whole life.
• Dog Super: Until the dog is 10 years old, then the insurance is converted to a Dog Plus.

Add ons for your dog insurance:

• Extended liability: The dog’s whole life
• Life: Until the dog is 8 years old.
• Breeder: Until the dog is 8 years old.