If Pet Insurance for your dog and cat sake

Why insure your dog or cat with If's pet insurance?

Extensive protection throughout Europe for Superlemmik + package
Protection against the death, theft and disappearance of a pet has a wide coverage, in Superlemmik + package even throughout the geographic Europe.
Deductible for disappearance, theft or death of pet €0
If your dog or cat suddenly disappears, is stolen or dies, no deductible is applied.
Liability of the animal owner for damage caused to others
With liability insurance, we indemnify for damages caused to others by a pet, for example, if a dog chews on a neighbor's new leather shoe. Also applies to the rental space.

Choose insurance package for your pet

With If's pet insurance, you can insure your dog or cat against the costs of illness, theft or any other unexpected accident involving your pet.

If Pet Insurance Risk Covers	Lemmik	Superlemmik	Superlemmik+
The insurance period is one year. We reimburse medical expenses up to an annual insurance limit.	2500€	5,000€	10,000 €
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.	400 €	700 €	1000€
According to the chosen package, the insurance cover is valid in Estonia, the Baltic States or geographical Europe.	Estonia	The Baltic States	Europe
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.	Ingår inte	3500 €	10 000 €
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.	Ingår inte	100 €	100 €
We reimburse the medical expenses incurred due to the destruction and damage of the tooth.	Ingår inte	Ingår inte	200 €
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.	Ingår inte	Insurance sum	Insurance sum
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.	Ingår inte	Insurance sum	Insurance sum
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.	Ingår inte	Insurance sum	Insurance sum
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.	Ingår inte	Insurance sum	Insurance sum

Get the price

52/5000 Insure your dog or cat — Insure your pet and protect yourself from unexpected dog or cat owner expenses.

What happened to a pet is not only emotionally difficult but can also be costly for your wallet. Here are some situations where insuring your pet will help you avoid unexpected expenses:

Unexpected veterinary visits
Diseases also afflict our favorites. A visit to the vet can cost hundreds of euros. If Pet Insurance insures your dog or cat's unexpected and unforeseen medical expenses and the cost of medicines up to € 1,000 based on the selected area (Estonia, Baltics, Europe).
Accidents with a pet
Our dogs and cats are active and there can be various accidents: poisonings, swallowed objects, accidents on the road, etc. If's pet insurance reimburses the costs of medical treatment and medicines for unexpected accidents up to € 1,000.
Pet damage done to others
Although we think we know the ins and outs of our pet, their behavior is sometimes unpredictable and can cause harm to outsiders: their property, life or health. The damage can be great! If Pet Pet Insurance indemnifies the damage caused to others by the insured dog or cat in the amount of up to € 10, 000, depending on the situation.
Loss and theft of a pet
Sad and unexpected, but sometimes our favorites disappear. Or they will be stolen. There is no consolation for an unfortunate dog or cat owner, but insuring a dog or cat provides an opportunity to be reimbursed for the costs of finding a dog - from an advertisement to an invention fee. In the most unfortunate case, if the favorite does not appear within 90 days, we will reimburse the sum insured and no deductible is applied.

If has already insured almost 15,000 dogs and cats.

Get your pet an insurance

Pet Insurance FAQ

What pets you can insure in If?

Ifi Pet Insurance can insure dogs and cats – both pure breed and without the breed certificate.

The age of the insured dog or cat must be between 2 months and 7 years. This means that the first insurance can be bought for a pet when he or she is 2 months old and the last year's insurance policy can be bought when he or she is still 7 years old. For example, if a cat is already 7 years and 11 months old, the pet can still be insured for one year, ie the cat is insured until 8 years and 11 months of age.

What does the amount of the pet insurance payment depend on?

Pet insurance payments start at € 10 a month and are dependent:

insurance package;
the breed of dog or cat;
the age of the pet;
the presence of a chip;
from the selected sum insured (cost of acquiring the animal + training costs).

What kind of expenses are not covered by pet insurance by If?

Pet insurance by If currently offers the widest pet insurance cover on the market. However, pet insurance does not reimburse the following for your dog or cat:

vaccination;
cutting of nails, cleaning of ears;
allergy treatment;
treatment for genetic and congenital illnesses;
pet transportation costs;
costs of veterinary assistance related to giving birth.

Please make sure you read the insurance covers and exclusions for the package chosen.

Terms and conditions

Detailed insurance terms apply to each insurance contract, and we rely on those when indemnifying damages caused by insurance events. Please always read about risks, exceptions, insurance events, etc. in the insurance terms.

Insurance conditions

Pet insurance conditions (in Estonian) TKK-20231
General insurance conditions TG-20211

Product information document

Pet Insurance Information Document 2023/01 (in Estonian)

Pet insurance for your cat or dog