Dog Insurance

Up to SEK 160 000 · Unlimited vet calls

Insurance for your dog

Hedvig's dog insurance is designed to make life easy for both you and your dog. Extensive protection, digital veterinary calls and an annual health check-up. Always without binding time.

Dog with dog insurance at the entrance to a house.

Dog insurance with high compensation

Covers care and treatment costs for your dog, including previously non-detected hidden faults. Compensation up to SEK 160 000 and fixed deductible from SEK 0.

The Hedvig app in mobile

Unlimited veterinary calls

Unlimited video calls with authorized veterinarians are always included. FirstVet has mapped all Swedish veterinary clinics and can refer your dog to the right clinic.

Hundägare leker med sin hund utomhus.

Easy and safe to insure your dog

Both puppies and older dogs are welcome. If you switch to Hedvig from an equivalent insurance, the protection applies from the first day, without a waiting period. An annual health check-up of your dog is also included.

Dog insurance coverage

You can choose between Basic, Standard or Premium for your dog.

What’s covered

We ensure that you receive compensation for the examination, care and treatment your pet needs if it gets ill or injured in the event accident.

  • 01
    Compensation for examination, treatment and care of illnesses and accidents

If your pet suffer from a hereditary disease or have a defect that could not be detected before you signed our insurance, we will compensate you for costs of care and treatment.

  • 01
    Compensation for treatment and care of congenital or hereditary disease, as well as hidden defects

We compensate costs linked to complications during birth when your pet cannot give birth on its own. In addition, costs for your pet's first caesarean section are covered, if the treatment is necessary.

  • 01
    Covers costs when your pet is unable to give birth on its own
  • 02
    Covers costs for the first caesarean section
  • 03
    Covers complications as long as your pet has not given birth to a litter within the last 12 months
  • 04
    Applies to cats that are at least 10 months old and maximum 8 years old
  • 05
    Applies to dogs that are at least 20 months old and maximum 10 years old

Compensation for treatment in the event of illness or injury where a veterinarian recommends castration or sterilization of your pet.

  • 01
    Covers castration and sterilization in case of illness or injury

When your pet needs dental care and treatment by a licensed dentist or veterinarian.

  • 01
    The dental disease TR/FORL
  • 02
    Covers tooth fracture caused by accident
  • 03
    Covers fractures of baby teeth
  • 04
    Compensation for correcting bite defects
  • 05
    Compensation for pulling out baby teeth, if necessary
  • 06
    Compensation for treatment of dental cyst
  • 07
    For the dental disease TR/FORL, a waiting period of 6 months applies

If your pet needs diagnostic examination prescribed by a veterinarian for further care, we compensate costs that have been approved in advance by Hedvig.

  • 01
    Magnetic resonance imaging (MR/MRI)
  • 02
    Computed tomography (CT)
  • 03
  • 04

When your pet needs medicine – prescribed or used at the time of treatment by a veterinarian.

  • 01
    Medicine prescribed by a veterinarian
  • 02
    Medicine used by the veterinarian at the time of treatment
  • 03
    Only covers medicine approved by the Swedish Medicines Agency (Läkemedelsverket)

If your pet gets seriously ill or injured and has to be put to death, we will compensate costs of euthanasia by a veterinarian. In addition, we cover up to 7,000 SEK if your pet dies abroad and you get additional expenses to be transported home.

Covers surgical correction performed by a veterinarian for medical purposes.

Medical rehabilitation prescribed by a veterinarian after an injury, established illness, or accident.

Compensation for loss of income if you need to stay home from work to take care of your sick or injured pet.

  • 01
    500 SEK in compensation per day (up to 2 000 SEK in total)
  • 02
    No deductible

When the absolute worst thing happens, we offer compensation for grief processing. We pay out a fixed amount if your pet dies due to an accident or incurable disease.

  • 01
    1 500 SEK in compensation
  • 02
    No deductible

If your pet were to die as a result of illness or injury. Or if your pet must be euthanized according to a veterinarian. You also get compensation if your pet is stolen or lost.

  • 01
    Compensation up to 30 000 SEK for dogs
  • 02
    Compensation up to 20 000 SEK for cats
  • 03
    Compensation if your stolen or missing pet is not found within 30 days
  • 04
    No deductible

Compensation for treatment of cancer radiation or chemotherapy in cases where a veterinarian recommends it.

Covers medicated food and special nutrition prescribed by a veterinarian.

  • 01
    Compensation for prescribed medical feed for up to 12 months

Veterinary care (Premium)

160 000 SEK
Maximum compensation per insurance year, regardless of the number of claims.

Medication (Premium)

10 000 SEK
For medicines prescribed or dispensed by a veterinarian.

Life insurance

30 000 SEK
In the unfortunate event of your pet's sudden death, disappearance, or theft

Care of pet at home

If you need to be home from work to take care of your sick pet you can get compensation.

Health checkup

1 per year
Advice for those who want to give your animal the conditions for a long and healthy life and prevent disease.

Hidden diseases

Compensation for hereditary or congenital defects that were not previously detected and could not have been identified earlier.
Our terms and conditions are currently only available in Swedish. Contact us if you have any questions.
Terms Pet Premium pdfProduct information Pet Premium pdfPre-purchase information Pet Premium pdf

Questions and answers

Here you will find the most frequently asked questions about our dog insurance.

You can insure your puppy with us from the age of eight weeks. This is when the puppy can usually leave the breeder. For the insurance to take effect immediately, you need a veterinary certificate without remarks, which must not be older than 7 days from when you received the puppy from its breeder.

All dog breeds are welcome. The price of the insurance differs depending on the breed of dog, and may be higher for breeds that have a greater risk of complications. For a few breeds and crossbreeds, there are exceptions in certain parts of the insurance cover, for example when it comes to plastic surgery and childbirth complications. Read the insurance terms and conditions or contact us if you have any questions.

You sign your new insurance here on our site and enter your start date (the same day your old dog insurance expires). You need to notify your old insurance company that you want to cancel your insurance.

Remember that most insurance companies have a one-year binding time, so you need to sign up with Hedvig in time before that period ends. With Hedvig, you can cancel your dog insurance whenever you want without binding time.

If you switch to an equivalent insurance with Hedvig that you had before, your insurance applies from the first day, without a waiting period. Otherwise, you need to have a veterinary inspection for the insurance to cover illnesses for the first 6 months.

You can choose between different amounts for your fixed deductible. If you choose SEK 0 in fixed deductible, the monthly price of your insurance will be slightly higher than if you choose a higher deductible but you will be reimbursed at a higher level.

You only pay the fixed deductible once per insurance year. The variable deductible is based on the cost of each visit to the vet.

Our deductibles

  • Basic: SEK 0 or SEK 3 500 fixed + 25% variable

  • Standard: SEK 0 or SEK 2 500 fixed + 25% variable

  • Premium: SEK 0 or SEK 2 500 fixed + 15% variable

Your fixed deductible will be SEK 1 000 lower than what is shown above if you first book a digital veterinary call with FirstVet and are referred to a clinic. Unlimited calls with FirstVet are always included in our dog insurance.

The best way to start is usually with a digital veterinary call with FirstVet. It’s easy to book a video call in the Hedvig app, every day between 6 am and 2 am, regardless of where you are. During the video call, the veterinarian makes an assessment of your dog, and can refer the dog to the right care at a clinic, if necessary.

At most veterinary clinics, you can ask for so-called direct regulation of the dog's injury or problem. This means that Hedvig handles the contact with the clinic and pays the costs covered by your insurance, so that you don't have to spend money yourself. You only pay your deductible and costs that the insurance does not cover. Some clinics may charge a small fee to offer direct settlement.

Direct settlement is possible if the visit takes place on a weekday between 9 am to 4 pm, otherwise you pay for your visit directly on site or via invoice and report it to Hedvig through the app afterwards.

IMPORTANT! If your dog is seriously injured or ill, you must go to a veterinary clinic immediately.

The dog insurance covers veterinary costs abroad up to SEK 5 000 per year and additional costs up to SEK 7 000 per year if your dog is injured and you cannot travel home as planned. It applies in all EU countries, Norway, Great Britain and Switzerland for up to one year per trip.

Standard and Premium cover treatments for dental damage caused by accidents and dental care required as a result of the dental disease TR/FORL.

In addition to healthcare costs, medicine and treatment, you can receive compensation for rehabilitation and special feed prescribed by a veterinarian. Applies with different insurance amounts if you have Standard or Premium. See our insurance terms and conditions higher up on the page.

Does your dog bark too much or misbehave? Our Premium insurance includes behavioral therapy once per insurance year. The counseling takes place via video call with FirstVet's pet psychologists.

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113 58 Stockholm 559093-0334