Customize your insurance as you like
When you purchase a dog insurance with us, you can choose from 3 different types of coverage:
- Dog Liability
- Dog Standard
- Dog Extra
Additionally, we offer 2 optional add-ons:
You can add Extended Liability to all 3 types of coverage, while the Life add-on can only be added to Dog Standard and Dog Extra. This way, you can tailor your dog insurance to fit your and your dog's lifestyle.
In Denmark, it is mandatory to have a dog insurance with liability coverage if you own a dog.
With this type of dog insurance, you are covered for damages that your dog may cause to other people, their belongings, or animals, ensuring that third parties are always protected.
This standard dog liability insurance also covers if your dog attends puppy training and similar activities. If you and your dog participate in training for guard or attack scenarios, you should consider adding the Extended Liability coverage.
Dog Liability does not cover your own dog, neither for injuries nor illnesses. If you want to ensure your dog for things like sickness and accidents, you can upgrade your dog insurance to Dog Standard or Dog Extra. This way, you'll have both the mandatory liability insurance and a range of other great coverages.
You can always purchase Dog Liability and the insurance covers the dog's entire life, as long as it is insured with us.
With Dog Standard dog insurance, your dog is well covered, for instance if it becomes ill, gets injured, needs a cesarean section, or has puppies.
You can purchase a dog insurance with Dog Standard from when your dog is 8 weeks old.
The insurance covers the dog's entire life, as long as it is insured with us.
If your dog has not previously been insured for illnesses with a Danish company, there is a waiting period of 20 days for illnesses. The accident coverage applies from the start date of the dog insurance.
If your dog is over 6 years old, it must already be insured for illnesses with another insurance company in Denmark in order to be insured for illnesses with us. Dog Standard can be purchased until your dog turns 9 years old.
In addition to including the mandatory liability insurance and coverage for sickness and accidents, Dog Extra also covers operations, cancer treatment, and allergy treatment, among other things.
Just like with Dog Standard, you can purchase the insurance from when your dog is 8 weeks old.
If the dog has not been insured for illnesses with another Danish company, there is a waiting period of 20 days for illnesses. The other coverages apply from the start date of the insurance.
If the dog is over 6 years old, it must have been insured for illnesses with another Danish company before it can get a dog insurance with illness coverage from us. Dog Extra can be purchased until the dog turns 9 years old.
When the dog turns 10 years old, some of the coverages will no longer apply, and the Dog Extra insurance will automatically convert to a Dog Standard insurance.
If you and your dog engage in guard or attack training in a club or association, adding the Extended Liability coverage to your dog insurance can be a good idea.
Certain clubs and dog trainers require you, as a dog owner, to purchase an extended dog liability insurance for your dog, so that trainers, judges, etc. are covered in case of injuries.
The difference between the regular, mandatory dog liability insurance and the extended dog liability insurance is quite simple:
- The dog liability insurance covers if your dog injures an innocent party who did not contribute to the injury.
- The extended dog liability insurance covers all people, even if the victim contributed to the injury. For example, a judge who checks the dog's teeth or a decoy who provokes the dog into an attack.
In addition, Extended Liability covers:
- Personal injury to individuals under 14 years of age, including children in the household
- Personal injury to a private dog sitter
- Damage to a private dog sitter's property and animals
You can always add Extended Liability, and the coverage applies for the dog's entire life, as long as it is insured with us.
If your dog passes away or the vet recommends euthanasia due to illness or serious injury, you can receive compensation through the Life add-on to the dog insurance.
The add-on also covers if your dog 'works' as a hunting or breeding dog, and it becomes so sick or is so seriously injured that it can no longer work.
There is a general waiting period of 20 days for this add-on, if the dog is not insured for illnesses with another company.
The Life add-on is valid until the dog is 8 years old