Agria Dog - Valid from 1 April 2021
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Agria Dog Valid from 1 April 2021
Terms Dog
Contents
Welcome to Agria Pet Insurance 3
DOGS IN THE TERMS
A Agria Dog Breed Insurance 3 To describe the different sections of the terms and condi-
B Agria Veterinary Care 7 tions, there are dogs in different colours to assist you.
Green dog
C Agria Mini Veterinary Care 10
A Shows what the insurance covers.
D Agria Medicine, supplementary insurance 12 Yellow dog
E Agria Rehabilitation, supplementary insurance 12
A Shows what due diligence requirements of care and spe-
cific terms there are. If the due diligence requirements of
F Agria Security, supplementary insurance 13 care are not complied with, compensation may be fully or
partially reduced.
G Agria Life 14
Red dog
H Agria Mini Life 17 A Shows what the insurance does not cover.
I Agria Utility, supplementary insurance 19
J Agria Breeding Veterinary Care,
supplementary insurance 20
K Agria Breeding Life, supplementary insurance 21 Note!
This is a translation of the Swedish insurance terms and
L Agria Puppy Litter Insurance,
General terms and Conditions for Agria's dog insurance
supplementary insurance 23
policies. If there has been an error in the translation or if
M Agria Hidden Defects 23 the terms contradict each other, it is always the original
Swedish version that applies.
N Agria Puppy Insurance 25
O Agria Accident Veterinary Care 25
P Agria Accident Life 27
Q Agria Pack 28
R Agria Pack Gold 31
S General Terms and Conditions for Agria's dog
insurance policies 34
2Welcome to Agria Pet Insurance to ensure that they can submit all the information about
the pets illness and treatment history, as well as any other
Insurance terms circumstances regarding the claim incident. Agria is always
This booklet sets out the insurance terms and General Terms entitled to decide whether direct settlement can be made in
and Conditions for Agria’s dog insurance policies which are the individual case.
valid from 1 April 2021. Unless otherwise agreed, your terms
consist of three parts: the insurance policy document, the If there is a direct settlement, Agria pays the compensation
terms for the policy you have taken out and the General Terms directly to the clinic. You therefore only need to pay the clinic
and Conditions for Agria’s dog insurance policies. In addition, for the costs that are not covered by the insurance. You can
the Swedish Insurance Contract Law (försäkringsavtalslagen, read more about direct settlement in section S.4.2 in the
FAL) and the relevant parts of other legislation apply. General Terms and Conditions.
Certain parts of the insurance terms may change over time.
We will inform you of any such changes that may occur before
a new period of insurance in the form of a terms supplement. A Agria Dog Breed Insurance
A terms supplement that is dated later than these terms or
the General Terms and Conditions replaces the correspond- A.1 The insurance applies to
ing points in the terms. If a term in the General Terms and A The insurance is stated with the name of your dog’s breed
Conditions and an insurance term contradict each other, the in the insurance policy document. The insurance with supple-
insurance term will always apply. mentary insurance covers the policyholder or other person
caring for the dog, for example, a co-owner.
Check your insurance
As soon as you receive your insurance policy document, it A.2 When the insurance applies
is important that you check that the details are correct and A The insurance is valid for insurance cases that occur
match the insurance you applied for. If any of the details are during the insurance term.
incorrect, you must contact Agria as soon as possible and
inform about the error. If you fail to do this, compensation may A.3 Where the insurance is valid
be reduced or refused completely. You can read more about A The insurance is valid in Sweden. It is valid for a maximum
reductions in section S.6 in the General Terms and Conditions. period of one year in other EU countries, the United Kingdom,
Norway or Switzerland, starting from the day of departure
In the event of a claim from Sweden.
As soon as you are affected by a claim incident, it is important
that you take part of the insurance terms and what conditions A.4 Insured animal
and requirements that must be met for the claim incident to be A The insurance covers the dog or dogs that are specified in
covered by the insurance. the insurance policy document.
Pre-approval A.5 Maximum benefit
If you are unsure whether a treatment or any other claim inci- A The maximum benefit is SEK 30,000, SEK 60,000 or SEK
dent is covered by the insurance, you can get the treating vet 120,000. The amount that you have chosen is set out in your
to request pre-approval from Agria. You can read more about insurance policy document and is the highest compensation
the pre-approval procedure in section S.4.1 of the General that you can receive from the insurance each insurance year.
Terms and Conditions.
If you have selected SEK 30,000 or SEK 60,000 as the m aximum
Direct settlement benefit for veterinary care, you can at any time during the
If the clinic has a direct settlement contract with Agria, you insurance year buy an additional amount of SEK 60,000, that
can ask the animal clinic to report the claim incident to Agria covers illnesses and accidents which subsequently occur and
on your behalf. You must cooperate with the animal clinic are covered by the insurance. The additional amount can first
3Agria Dog
be used when the original amount of SEK 30,000 or SEK 60,000 A.6.2 Special conditions
has fully been used. This additional amount is discontinued
SPECIAL CONDITIONS
automatically at the end of the insurance year.
Obstetric complications and caesarean section
The maximum benefit for prescription medicines and reha- Teeth
bilitation is SEK 6,000 or SEK 10,000 each. The amounts for
MRI-, CT-examinations and scintigraphy
your dog is stated in the insurance policy document and is the
highest compensation that you can receive from the insurance Neutering
each insurance year. The amounts are not included in the total Joint diseases
maximum benefit for veterinary care. Other degenerative spinal and joint diseases
Plastic surgery
The maximum benefit for the supplementary insurance Agria
Breeding Veterinary Care. Sections J.5 a and b is included in Hidden defects
the total amount for veterinary care and is the highest com-
pensation that you can receive from the veterinary care and a) Obstetric complications and caesarean section
breeding insurance policies combined. A The insurance covers obstetric complications and one
caesarean section for a female dog from 20 months to 10 years
A.6 Insurance cover of age. A female dog aged over 7 years must have had at least
A.6.1 Veterinary Care one litter of puppies between the ages of 20 months and
A The insurance covers the costs that you have incurred 7 years, in addition to this there is a requirement of the female
during the insurance term when a vet examines and treats the undergoing a veterinary exam 30 days prior to mating. The
insured dog with clinical symptoms of an illness or accident, certificate of the veterinary examination must show that the fe-
which occurs during this period and is covered by the insur- male is in a suitable condition to have a litter of puppies without
ance. The examination and treatment of the accident or illness risking her health. For caesarean section, it is also a prerequi-
must be medically justified, according to Swedish veterinary site that the female has not previously had a caesarean section
medical expertise, follow guidelines and norms issued by the and that the female is provenly unable to give birth herself or
Swedish Veterinary Association and comply with science and can not give birth herself after receiving medical treatment.
proven experience.
For Boston Terriers, English and French Bulldogs and
The term accident refers to a traumatic injury that is caused Chihuahuas, a caesarean section will be covered if the female
by a sudden external event. If the vet confirms that the dog previously has given birth to one or more litters and all the
has swallowed a foreign object or the dog suffers from acute litters have been born without caesarean section.
poisoning, this is also considered to be an accident.
b) Teeth
An accident does not include heat stroke or a tick bite and A The insurance covers the correction of malocclusion for
consequences thereof. An accident does not include conditions medical purposes, fractures of deciduous teeth (puppy teeth),
which, even if they are found after an accident, are the result of extraction of remaining deciduous teeth (puppy teeth) and
an illness, according to veterinary medical assessment. dental cysts under the condition that the dog has been covered
by an insurance for veterinary care since before the age of
4 months, and has continued to be insured without interruption.
In the case of correcting a malocclusion, the puppy must have
been examined by a vet between the ages of 7 weeks and
4 months without any comment on its bite.
4Tartar, periodontitis (tooth loss) or complications arising from f) Other degenerative spinal, knee and joint diseases
poor oral or dental status, dental prosthetics, crowns and A For other degenerative spinal, knee and joint diseases,
braces are not covered. such as herniated disc, it is covered under the condition that
the dog has been covered by an insurance for veterinary care
c) MRI-, CT-examinations (magnetic resonance imaging and since before the age of 4 months, and has continued to be
computerized tomography) and scintigraphy insured without interruption.
A Compensation is provided for examinations that are pre-
approved by Agria. Read more about the pre-approval proce- If the dog has not been insured before the age of 4 months,
dure in section S.4.1 of the General Terms and Conditions. there is a waiting period for the insurance of 12 months from
the date the insurance is taken out. This means that the degen-
d) Neutering erative spinal, knee or joint disease must not have started during
the first 12 months of insurance.
A The neutering of a female dog is only covered if it is part of
the treatment for diabetes mellitus or an abnormal physical
growth (acromegaly), a traumatic injury to the uterus, uterine If the requirements stated in the paragraph above are not
diseases with clear clinical symptoms, delivery injuries, vaginal fulfilled, the maximum benefit you can receive is SEK 3,000 up
prolapse or tumors in the vagina, uterus or ovaries. until the point of a confirmed diagnosis, establishing that the
dog has any other degenerative spinal, knee or joint disease.
The neutering of a male dog is only covered if it is part of the
treatment for prostate disorders with typical clinical symp- g) Plastic surgery
toms, a rectal hernia (perineal hernia), benign anal tumors A The dog must have been covered by an insurance for
(perianal adenoma), testicular inflammation, testicular torsion, veterinary care since before the age of 4 months, and has
tumors of the testicles, penis prolapse or when performing continued to be insured without interruption. Plastic surgery
a fistula in the urethra (urethral fistula) in males with urinary refers to a surgical correction of the skin, mucous membranes
stones or a disorder of or damage to the scrotum where the or other body part.
scrotum must be surgically removed.
The insurance does not cover certain plastic surgery
e) Joint diseases procedures for Boston Terriers, English and French Bulldogs
A Treatment for hip disease, elbow disease, patellar luxation, and Pugs. Read more in section A.10.3 about breed-specific
osteochondrosis and short ulna or Perthes disease is covered restrictions.
under the condition that the dog has been covered by an insur-
ance for veterinary care since before the age of 4 months, and h) Hidden defects
has continued to be insured without interruption. In the case of A The insurance covers hidden defects, under the condition
hip dysplasia (HD), the X-ray images of the registered pedigree that the dog has been covered by an insurance for veterinary
dog must be scanned and registered with the Swedish Kennel care since before the age of 4 months, and has continued
Club (SKK). to be insured without interruption. The dog must have been
examined without any comment by a vet in a Nordic country
If the requirements stated in the paragraph above are not between the ages of 7 weeks and 4 months. The certificate
fulfilled the maximum benefit you can receive is SEK 3,000 up must not be issued more than 7 days prior to or 7 days after
until the point of a confirmed diagnosis, establishing that the delivery.
dog has one of the mentioned joint diseases.
If the requirements stated in the paragraph above are not
If the elbow or hip has previously been declared healthy after fulfilled, the insurance is subject to a waiting period of 12
an X-ray examination and the result is registered with the SKK months from the date the insurance was taken out with Agria.
or another Nordic kennel club affiliated to the FCI, you will be This means that the dog must not have shown symptoms of the
compensated if problems occur in the previously healthy joint. hidden defect during the first 12 months of insurance.
5Agria Dog
By hidden defect we mean a disease or defect which has started veterinary medical assessment concludes that it must be
to develop before the examination and delivery but has not euthanised and the illness or injury is covered by the insurance
given any symptoms or otherwise been known. in section A.6.
A hidden defect is not a disease or defect that is noted or A.10 Limitations
should have been seen on the veterinary examination according A.10.1 Waiting period
to established norms within veterinary medical assessment. A The insurance has a waiting period of 20 days unless the
terms state otherwise, see section A.6.2 f and h. Waiting period
The insurance is not valid if the veterinary examination is per- means that the insurance will not cover illnesses that started
formed without any comment after the dog has fallen ill or has to develop during the waiting period from the time the insur-
been treated for the hidden defect. It does not cover hidden ance came into force. For more information, see the General
defects that are discovered or have shown symptoms before Terms and Conditions section S.1.4 and S.1.5.
the insurance came into force.
A.10.2 General restrictions
A.7 Medicines A The insurance does not cover costs for:
A The insurance covers the costs you have incurred for • preventive treatment, treatment using autologous
prescription medicines, medicines for desensitization (allergen- conditioned serum/plasma (ACS), acupuncture, chiropractic
specific immunotherapy), inhalers and insulin syringes as part manipulation, shockwave therapy, laser treatment or other
of treatment for illness or injury covered by the insurance in types of alternative medicine.
section A.6 • umbilical hernia, cryptorchidism or kinked tail.
• behavioral disorders, temperament issues or other bad habits.
A.8 Rehabilitation • providing certificates, administrative or advisory costs.
A The insurance covers rehabilitation ordered by the • out-of-hour charges or similar costs, if they have not been
veterinarian in charge of the medical treatment. The forms of medically justified.
rehabilitation that are covered are exclusively swimming, mas- • medication issued by a vet that is not prescribed, prescription
sage, stretching and treadmill. For rehabilitation to be covered diet, shampoo or other products ordered or sold by a vet.
it needs to be an established illness or accident concerning the • vet’s travel, transport of the dog or other trips.
joints, nerves, muscles or tendons, or due to a fractured limb or • taking samples for and analysing antibodies to indicate an
a herniated disc. The illness or injury treated must be covered infectious agent.
by the insurance in section A.6. • taking samples and analysis using PCR techniques to deter-
mine Borrelia in blood samples.
Compensation is given for a maximum of 4 month continuous • haemodialysis.
rehabilitation per reimbursable injury. Rehabilitation must be • gold implants.
started within 2 months of being prescribed by the treating vet. • external bodily prosthetics, apart from orthoptics.
• parvo (parvovirus), distemper or infectious hepatocellular
Rehabilitation carried out at a rehabilitation facility that is not carcinoma (HCC) if the dog is not sufficiently vaccinated as
connected to the pet clinic must be referred to a specified reha- recommended in FASS Djurläkemedel.
bilitation facility/therapist and the referable document to that • complications resulting from illness, injury or treatment that
facility/therapist must be included with the claim's notification. would otherwise not be covered, except for complications
with neutering or vaccination.
You can only be compensated for rehabilitating a chronic joint,
spinal, nerve, muscle and tendon disease once during the dog's A.10.3 Breed-specific restrictions
life. It is the veterinary medical assessment that determines AFor Shar Pei, the costs for examination or treatment due to
when the dog's injury is considered to be chronic. eyes, ears or skin conditions are not covered.
A.9 Euthanasia and cremation For Boston Terriers, English and French Bulldogs and Pugs,
A Compensation is provided of up to SEK 1,000 for your costs for examination, treatment or surgery of the trachea, soft
expenses for the euthanasia and cremation of your dog if a
6 alate, nasal cavities, nostrils or constrictions in the pharynx
p B.5 Maximum benefit
are not covered. A The maximum benefit is SEK 30,000, SEK 60,000 or SEK
120,000. The amount that you have chosen is set out in your
A.11 Excess insurance policy document and is the highest compensation
A The insurance and its supplementary insurance policies that you can receive from the insurance each insurance year.
have a fixed and a variable excess amount. We deduct one
fixed excess amount per excess period. The variable excess is The maximum benefit for the supplementary insurance policies
deducted from the costs that exceed the fixed excess. The fixed Agria Breeding Veterinary Care, see section J.5.a and b, is
and variable excesses that you have selected are stated in your included in the total amount for veterinary care and is the high-
insurance policy document. An excess period is 135 days. We est amount that you can be compensated for by the veterinary
calculate the excess period from the date of the earliest costs care and breeding insurance policies combined.
incurred for which you have requested compensation.
B.6 Insurance cover
Example of cost allocation B.6.1 Veterinary Care
Product: Agria Dog Breed Insurance A The insurance covers the costs that you have incurred
Fixed excess: 2 350 kr
Variable excess: 15 %
during the insurance term when a vet examines and treats the
insured dog with clinical symptoms of an illness or accident,
Veterinary bill 15 000 kr
- Fixed excess - 2 350 kr
which occurs during this period and is covered by the insurance.
12 650 kr The examination and treatment of the accident or illness must
Agria covers - Variable excess 15% - 1 898 kr be medically justified, according to Swedish veterinary medical
You pay Agria covers 10 752 kr
expertise, follow guidelines and norms issued by Swedish
Veterinary Association and comply with science and proven
experience.
The term accident refers to a traumatic injury that is caused
B Agria Veterinary Care by a sudden external event. If the vet confirms that the dog
has swallowed a foreign object or the dog suffers from acute
B.1 The insurance applies to poisoning, this is also considered to be an accident.
A The insurance with supplementary insurance covers the
policyholder or other person caring for the dog, for example, a An accident does not include heat stroke or a tick bite and
co-owner. consequences thereof. An accident does not include conditions
which, even if they are found after an accident, are the result of
B.2 When the insurance applies an illness, according to veterinary medical assessment.
A The insurance is valid for insurance cases that occur during
the insurance term. B.6.2 Special conditions
SPECIAL CONDITIONS
B.3 Where the insurance is valid
A The insurance is valid in Sweden. It is valid for a maximum Obstetric complications and caesarean section
period of one year in other EU countries, the United Kingdom, Teeth
Norway or Switzerland, starting from the day of departure from
MRI-, CT-examinations and scintigraphy
Sweden.
Neutering
B.4 Insured animal Joint diseases
A The insurance covers the dog or dogs that are specified in Other degenerative spinal and joint diseases
the insurance policy document.
Plastic surgery
Hidden defects
7Agria Dog
a) Obstetric complications and caesarean section with clear clinical symptoms, birth injuries, vaginal prolapse or
A The insurance covers obstetric complications and tumor in the vagina, uterus or ovaries.
c aesarean section for a female dog from 20 months to 10 years
of age. A female dog aged over 7 years must have had at least The neutering of a male dog is only covered if it is part of the
one litter of puppies between the ages of 20 months and treatment for prostate disorders with typical clinical symp-
7 years, in addition to this there is a requirement of the female toms, a rectal hernia (perineal hernia), benign anal tumors
undergoing a veterinary exam within 30 days prior to mating. (perianal adenoma), testicular inflammation, testicular torsion,
The certificate of the veterinary examination must show that tumors of the testicles, penis prolapse or when performing
the female is in a suitable condition to have a litter of puppies a fistula in the urethra (urethral fistula) in males with urinary
without risking her health. For caesarean section, it is also a stones or a disorder of or damage to the scrotum where the
prerequisite that the female has not previously had a caesarean scrotum must be surgically removed.
section and that the female is provenly unable to give birth
herself or can not give birth herself after receiving medical e) Joint diseases
treatment. A Treatment for hip disease, elbow disease, patellar luxation,
osteochondrosis and short ulna or Perthes disease is covered
For Boston Terriers, English and French Bulldogs and under the condition that the dog has been covered by an insur-
hihuahuas, a caesarean section will be covered if the female
C ance for veterinary care since before the age of 4 months, and
previously has given birth to one or more litters and all the has continued to be insured without interruption. In the case of
litters have been born without caesarean section. hip dysplasia (HD), the X-ray images of the registered pedigree
dog must be scanned and registered with the Swedish Kennel
b) Teeth Club (SKK).
A The insurance covers the correction of malocclusion for
medical purposes, fractures of deciduous teeth (puppy teeth), If the requirements stated in the paragraph above are not
extraction of remaining deciduous teeth (puppy teeth) and fulfilled the maximum benefit you can receive is SEK 3,000 up
dental cysts under the condition that the dog has been covered until the point of a confirmed diagnosis, establishing that the
by an insurance for veterinary care since before the age of 4 dog has one of the mentioned joint diseases.
months, and has continued to be insured without interruption.
If the elbow or hip has previously been declared healthy after
In the case of correcting a malocclusion, the puppy must have an X-ray examination and the result is registered with the SKK
been examined by a vet between the ages of 7 weeks and 4 or another Nordic kennel club affiliated to the FCI, you will be
months without any comment on its bite. compensated if problems occur in the previously healthy joint.
Tartar, periodontitis (tooth loss) or complications arising from f) Other degenerative spinal, knee and joint diseases
poor oral or dental status, dental prosthetics, crowns and A For other degenerative spinal, knee and joint diseases,
braces are not covered. such as herniated disc, it is covered under the condition that
the dog has been covered by an insurance for veterinary care
c) MRI-, CT-examinations (magnetic resonance imaging and since before the age of 4 months, and has continued to be
computerized tomography) and scintigraphy insured without interruption.
A Compensation is provided for examinations that are pre-
approved by Agria. Read more about the pre-approval proce- If the dog has not been insured before the age of 4 months,
dure in section S.4.1 of the General Terms and Conditions. there is a waiting period for the insurance of 12 months from
the date the insurance is taken out. This means that the
d) Neutering degenerative spinal, knee or joint disease must not have
started during the first 12 months of insurance.
A The neutering of a female dog is only covered if it is part of
the treatment of diabetes mellitus or abnormal physical growth
(acromegaly), traumatic injury to the uterus, uterine diseases If the requirements stated in the paragraph above are not
fulfilled, the maximum benefit you can receive is SEK 3,000 up
8until the point of a confirmed diagnosis, establishing that the expenses for the euthanasia and cremation of your dog if a
dog has any other degenerative spinal, knee or joint disease. veterinary medical assessment concludes that it must be
euthanised and the illness or injury is covered by the insurance
g) Plastic surgery in section B.6.
A The dog must have been covered by an insurance for
veterinary care since before the age of 4 months, and has B.8 Limitations
continued to be insured without interruption. Plastic surgery B.8.1 Waiting period
refers to a surgical correction of the skin, mucous membranes A The insurance has a waiting period of 20 days unless the
or other body part. terms state otherwise, see section B.6.2 f and h. Waiting period
means that the insurance will not cover illnesses that started
The insurance does not cover certain plastic surgery proce- to develop during the waiting period after the insurance came
dures for Boston Terriers, English and French Bulldogs and into force. For more information see the General Terms and
Pugs. Read more in section B.8.3 about breed-specific restric- Conditions section S.1.4 and S.1.5.
tions.
B.8.2 General restrictions
h) Hidden defects A The insurance does not cover costs for:
A The insurance covers hidden defects, under the condition • preventive treatment, rehabilitation, treatment using autolo-
that the dog has been covered by an insurance for veterinary gous conditioned serum/plasma (ACS), acupuncture, chiro-
care since before the age of 4 months, and has continued practic manipulation, shockwave therapy, laser treatment or
to be insured without interruption. The dog must have been other types of alternative medicine.
examined without any comment by a vet from a Nordic country • umbilical hernia, cryptorchidism or kinked tail.
between the ages of 7 weeks and 4 months. The certificate • behavioral disorders, temperament issues or other bad
must not be issued more than 7 days prior to or 7 days after habits.
delivery. • providing certificates, administrative or advisory costs.
• out-of-hour charges or similar costs, if they have not been
If the requirements stated in the paragraph above are not medically justified.
fulfilled, the insurance policy is subject to a waiting period of • medication (prescription-based or issued by a vet), medicines
12 months from the date the policy was taken out with Agria. for desensitization (allergen-specific immunotherapy),
This means that the dog must not have shown symptoms of the prescription diet, shampoo or other products prescribed or
hidden defect during the first 12 months of insurance. sold by a vet.
• vet’s travel, transport of the dog or other trips.
By hidden defect we mean a disease or defect which has started • taking samples for and analysing antibodies to indicate an
to develop before the examination and delivery but has not infectious agent.
given any symptoms or otherwise been known. • taking samples and analysis using PCR techniques to deter-
mine Borrelia in blood samples.
A hidden defect is not a disease or defect that is noted or • haemodialysis.
should have been seen on the veterinary examination according • gold implants.
to established norms within veterinary medical assessment. • external bodily prosthetics, apart from orthoptics.
• parvo (parvovirus), distemper or infectious hepatocellular
The insurance is not valid if the veterinary examination is carcinoma (HCC) if the dog is not sufficiently vaccinated as
erformed without any comment after the dog has fallen ill
p recommended in FASS Djurläkemedel.
or has been treated for the hidden defect. It does not cover • complications resulting from illness, injury or treatment that
hidden defects that are discovered or have shown symptoms would otherwise not be covered, except for complications
before the insurance came into force. with neutering or vaccination.
B.8.3 Breed-specific restrictions
B.7 Euthanasia and cremation A For Shar Pei, the costs for examination or treatment due
A Compensation is provided of up to SEK 1,000 for your to eyes, ears or skin conditions are not covered.
9Agria Dog
For Boston Terriers, English and French Bulldogs and Pugs, C.5 Maximum benefit
costs for examination, treatment or surgery of the trachea, soft A The maximum benefit is SEK 30,000. The amount is the
palate, nasal cavities, nostrils or constrictions in the pharynx highest compensation you can receive from the insurance each
are not covered. insurance year.
B.9 Excess The maximum benefit for prescription medicines is SEK 2,000.
A The insurance and its supplementary insurance policies The amount is the highest compensation that you can receive
have a fixed and a variable excess amount. We deduct one from the insurance each insurance year. The amount is includ-
fixed excess amount per excess period. The variable excess is ed in the total maximum benefit for veterinary care.
deducted from the costs that exceed the fixed excess. The fixed
and variable excesses that you have selected are stated in your C.6 Insurance cover
insurance policy document. An excess period is 125 days. We C.6.1 Veterinary Care
calculate the excess period from the date of the earliest costs A The insurance covers the costs that you have incurred
incurred for which you have requested compensation. during the insurance term when a vet examines and treats the
insured dog with clinical symptoms of an illness or accident,
Example of cost allocation which occurs during this period and is covered by the insur-
Product: Agria Veterinary Care ance. The examination and treatment of the accident or illness
Fixed excess: 2 350 kr
must be medically justified, according to Swedish veterinary
Variable excess: 15 %
expertise, follow guidelines and norms issued by the Swedish
Veterinary bill 15 000 kr
Veterinary Association and comply with science and proven
- Fixed excess - 2 350 kr
12 650 kr experience.
Agria covers - Variable excess 15% - 1 898 kr
You pay Agria covers 10 752 kr
The term accident refers to a traumatic injury that is caused
by a sudden external event. If the vet confirms that the dog
has swallowed a foreign object or the dog suffers from acute
poisoning, this is also considered to be an accident.
C Agria Mini Veterinary Care An accident does not include heat stroke or a tick bite and
consequences thereof. An accident does not include condi-
C.1 The insurance applies to tions which, even if they are found after an accident, are the re-
A The insurance covers the policyholder or other person sult of an illness, according to veterinary medical assessment.
caring for the dog, for example a co-owner.
C.6.2 Special conditions
C.2 When the insurance applies
A The insurance is valid for insurance cases that occur SPECIAL CONDITIONS
during the insurance term. Obstetric complications
Teeth
C.3 Where the insurance is valid
MRI-, CT-examinations and scintigraphy
A The insurance is valid in Sweden. It is valid for a maximum
of one year in other EU countries, the United Kingdom, Norway Neutering
or Switzerland, starting from the day of departure from Joint diseases
Sweden. Other degenerative spinal, knee and joint diseases
Examination to determine a diagnosis
C.4 Insured animal
A The insurance covers the dog or dogs that are specified in
the insurance policy document. a) Obstetric complications
A The insurance covers obstetric complications for a female
10dog from 20 months up to 10 years of age. A female dog aged If the elbow or hip has previously been declared healthy after
over 7 years must have had at least one litter of puppies an X-ray examination and the result is registered with the SKK
between the ages of 20 months and 7 years, in addition to this or another Nordic kennel club affiliated to the FCI, you will be
there is a requirement of the female undergoing a veterinary compensated if problems occur in the previously healthy joint.
exam within 30 days prior to mating. The certificate of the vet-
erinary examination must show that the female is in a suitable f) Other degenerative spinal, knee and joint diseases
condition to have a litter of puppies without risking her health. AFor other degenerative spinal, knee and joint diseases, such
The insurance does not cover costs for caesarean section. as herniated disc, it is covered under the condition that the
dog has been covered by an insurance for veterinary care since
b) Teeth before the age of 4 months, and has continued to be insured
A The insurance covers costs relating to the examination and without interruption.
treatment of dental fractures in permanent teeth caused by an
accident. For any other dental treatment, regardless of the cause If the dog has not been insured before the age of 4 months,
or the consequences thereof, the insurance does not cover. there is a waiting period for the insurance of 12 months from
the date the insurance is taken out. This means that the de-
c) MRI-, CT-examinations (magnetic resonance imaging and generative spinal, knee or joint disease must not have started
computerized tomography) and scintigraphy during the first 12 months of insurance.
A Compensation is provided up to a maximum of SEK 5,000
per insurance year for examinations that are pre-approved by The insurance does not cover costs for treatment or opera-
Agria. Read more about the pre-approval procedure in section tions on cruciate ligaments or meniscus.
S.4.1 of the General Terms and Conditions.
g) Examination to determine a diagnosis
d) Neutering A Compensation is provided up to a maximum of SEK 2,000
A The neutering of a female dog is only covered if it is part of until the point of a confirmed diagnosis, establishing that the
the treatment for diabetes mellitus or an abnormal physical dog has an illness that occurs during the insurance period and
growth (acromegaly), a traumatic injury to the uterus, uterine that is not covered by the insurance.
diseases with clear clinical symptoms, delivery injuries, vaginal
prolapse or tumors in the vagina, uterus or ovaries. C.7 Medicines
A The insurance covers the costs you have incurred for
The neutering of a male dog is only covered if it is part of the prescription medicines, medicines for desensitization (allergen-
treatment for prostate disorders with typical clinical symp- specific immunotherapy), inhalers and insulin syringes as part
toms, a rectal hernia (perineal hernia), benign anal tumors of treatment for illness or injury covered by the insurance
(perianal adenoma), testicular inflammation, testicular torsion, section C.6.
tumors of the testicles, penis prolapse or when performing
a fistula in the urethra (urethral fistula) in males with urinary C.8 Limitations
stones or a disorder of or damage to the scrotum where the C.8.1 Waiting period
scrotum must be surgically removed. A The insurance has a waiting period of 20 days unless the
terms state otherwise, see section C.6.2 f. Waiting period
e) Joint diseases means that the insurance will not cover illnesses that started
during the waiting period since the insurance came into force.
A Treatment for hip disease, elbow disease, patellar luxation,
For more information, see the General Terms and Conditions
osteochondrosis and short ulna or Perthes disease is covered
section S.1.4 and S.1.5.
under the condition that the dog has been covered by an
insurance for veterinary care since before the age of 4 months,
and has continued to be insured without interruption. In the C.8.2 General restrictions
case of hip dysplasia (HD), the X-ray images of the registered A The insurance does not cover costs for:
pedigree dog must be scanned and registered with the Swedish • preventive treatment, rehabilitation, treatment using auto-
Kennel Club (SKK). logous conditioned serum/plasma (ACS), acupuncture, chiro-
11Agria Dog
practic manipulation, shockwave therapy, laser treatment or
Example of cost allocation
other types of alternative medicine.
Product: Agria Mini Veterinary care
• umbilical hernia, cryptorchidism or kinked tail. Fixed excess: 1 500 kr
• behavioral disorders, temperament issues or other bad habits. Variable excess: 25 %
• caesarean section. Veterinary bill 15 000 kr
• cataract or plastic surgery (surgical correction of the skin, - Fixed excess - 1 500 kr
mucous membranes or other body part.) 13 500 kr
Agria covers - Variable excess 25% - 3 375 kr
• providing certificates, administrative or advisory costs. You pay Agria covers 10 125 kr
• out-of-hour charges or similar costs that are charged on
weekdays between 08.00 and 18.00. Out-of-hour charges or
similar costs at other times, if they have not been medically
justified.
• medication issued by a vet that is not prescribed, prescription D Agria Medicine, supplementary
•
diet, shampoo or other products ordered or sold by a vet.
vet’s travel, transport of the dog or other trips.
insurance
• taking samples for and analysing antibodies to indicate an
infectious agent or taking samples and analysis using PCR This insurance can only be taken out as a supplement to Agria
techniques to determine Borrelia in blood samples. Dog Breed Insurance and Agria Veterinary Care. The insurance
• radiotherapy, chemotherapy or cytotoxins. policy document states whether you have chosen to take out
• haemodialysis. Agria Medicine insurance.
• prosthetic or implant operation.
• euthanasia, disposal of or cremation. Insurance cover
• parvo (parvovirus), distemper or infectious hepatocellular A The insurance covers the costs you have incurred for
carcinoma (HCC) if the dog is not sufficiently vaccinated as prescription medicines, medicines for desensitization (allergen-
recommended in FASS Djurläkemedel. specific immunotherapy), inhalers and insulin syringes up to
• complications due to illness, injury or treatment that would SEK 6,000 each insurance year.
otherwise not be compensated, except for complications with
vaccinations. Otherwise, the insurance is subject to the same terms as for
the veterinary care insurance that you took out. The amount is
C.8.3 Breed-specific restrictions not included in the total maximum benefit you selected in the
A For Shar Pei, the costs for examination or treatment due veterinary care insurance.
to eyes, ears or skin conditions are not covered.
For Boston Terriers, English and French Bulldogs and Pugs,
costs for examination, treatment or surgery of the trachea, soft E Agria Rehabilitation,
palate, nasal cavities, nostrils or constrictions in the pharynx
are not covered.
supplementary insurance
C.9 Excess This insurance can only be taken out as a supplement to Agria
A The insurance has a fixed excess and a variable excess. We Dog Breed Insurance and Agria Veterinary Care. The insurance
deduct one fixed excess amount per excess period. The variable policy document states whether you have chosen to take out
excess is deducted from the costs that exceed the fixed excess. Agria Rehabilitation insurance.
The fixed and the variable excesses are stated in your insurance
policy document. An excess period is 125 days. We calculate Insurance cover
the excess period from the date of the earliest costs incurred A The insurance covers rehabilitation ordered by the
for which you have requested compensation. veterinarian in charge of the medical treatment. The forms of
rehabilitation that are covered are exclusively swimming, mas-
12sage, stretching and treadmill. For rehabilitation to be covered
INSURANCE COVER
it needs to be an established illness or accident concerning the
joints, nerves, muscles or tendons, or due to a fractured limb or Boarding at kennel
a herniated disc up to SEK 6,000 each insurance year. Cancellation protection
Travel interruption
Otherwise, the policy is subject to the same terms as for the
Additional costs for extended stay
veterinary care insurance that you took out. The amount is
not included in the total maximum benefit you selected in the
veterinary care insurance. a) Boarding at kennels
A The insurance covers the cost of boarding your dog at
Compensation is provided for a maximum of 4 months’ contin- kennels if the doctor decides that you are unable to look after
uous rehabilitation per reimbursable injury. Rehabilitation must your dog. The insurance covers the costs with 75% from the
be started within 2 months of being prescribed by the treating vet. third day of boarding. In addition to this the insurance covers up
to a maximum of SEK 500 for travel expenses related to picking
Rehabilitation carried out at a rehabilitation facility that is not up and dropping off your dog at the kennel each period. Several
connected to the pet clinic must be referred to a specified successive periods of illnesses that has a medical connection
rehabilitation facility/therapist and the referable document counts as one period. The kennel facility must hold a valid
to that facility/therapist must be included with the claim's licence from Länsstyrelsen (County Administration Board).
notification.
For a female boarded at a kennel while she has puppies younger
You can only be compensated for rehabilitating a chronic joint, than 10 weeks old, an additional SEK 80 each day will be com-
spinal, nerve, muscle and tendon disease once during the dog's pensated for the expenses of the litter.
life. It is the veterinary medical assessment that determines
when the dog's injury is considered to be chronic. In the case of the policyholder's death, compensation is
given for up to 60 days of boarding costs from the time death
incurred.
F Agria Security, supplementary b) Cancellation protection
insurance A The insurance covers you if you are forced to cancel a
private trip before departure from your home in Sweden due
to an illness or injury that has given your dog acute symptoms
This insurance can only be taken out as a supplement to Agria Dog and requires immidiate vetarinairy care.
Breed Insurance, Agria Veterinary Care, Agria Mini Veterinary Care
Agria Pack and Agria Pack Gold. The insurance policy document The insurance covers 75% of your travel costs. By travel costs
states whether you have chosen to take out Agria Security insurance. we mean the amount you paid before the claim incident for
travel, accommodation, lift pass, green fee, rental car, booked
The insurance is valid for the policyholder who owns the dog events and excursions that you were not able to benefit from
and the estate after the policyholder’s death. and for which you can not be compensated for by any other
source, such as another insurance policy, the tour operator,
F.1 Insurance cover transport company or hotel. You must declare the amounts
A The maximum benefit is SEK 20,000 and this is the highest that have been repaid and specify other cost savings made.
compensation you can receive from the insurance each insur- The insurance also covers fellow travellers included in your
ance year. The amount is not included in the maximum benefit household and who are a resident and is registered at the same
you selected in the veterinary care insurance. address as you.
Unless otherwise is stated, the insurance is subject to the same c) Travel interruption
terms as the veterinary care insurance you took out. A The insurance covers you if you are forced to interrupt
13Agria Dog
a private trip because the insured dog, which is at home, has G Agria Life
become acutely ill or injured and needs life-sustaining veteri-
nary care. G.1 The insurance applies to
A The insurance covers the policyholder in their capacity as
You will be compensated 75% of the additional costs for the the owner of the dog, or a policyholder that is not the owner of
immediate return home using standard means of transport. the dog but who has a significant financial interest in the dog.
d) Additional costs for extended stay In addition, the insurance only covers another owner of the dog
A The insurance covers you if the insured dog which is who is a member of the policyholder's household.
travelling with you has become acutely ill or injured and needs
life-sustaining veterinary care and can not or is not allowed to G.2 When the insurance applies
be moved, based on the treating vet’s instructions. You will be A The insurance is valid for insurance cases that occur dur-
compensated for necessary and reasonable additional costs ing the insurance term and that are covered by the insurance.
for meals and accommodation arising from the third day that The insurance can not be taken out for dogs that have reached
your stay had to be extended because of the dog's condition. the age of 6 years. For breeds in the 8 years age group, life
Compensation is provided of up to SEK 500 each day. insurance can not be taken out for dogs that have reached the
age of 4 years.
The insurance covers 75% of the additional costs of travel if
you must return to Sweden by another transportation than you The insurance is terminated at the end of the insurance period
planned, because of your dog's condition. from the year in which the dog reaches the age of 8, 10 or
12 years, depending on the breed.
F.2 Limitations
A The insurance does not cover: 8 years age group:
• the costs of boarding if the policyholder's inability to take Bernese Mountain Dog, Great Dane, Irish Wolfhound, Leon-
care of the insured dog is a result of an illness, occurrence or berger, Newfoundland, Pyrenean Mountain Dog, Neapolitan
situation that arose within 12 months of the insurance came Mastiff and St Bernard.
in to force.
• if the dog's illness/injury that incurred the costs existed be- 10 years age group:
fore the insurance was taken out or has been excluded from The breeds that are not listed in the 8 years or 12 years age group.
the insurance as a result of an exclusion.
• a cost that arose as a result of the dog's illness or injury that 12 years age group:
existed previously, displayed symptoms or could have been Havanese, Border Terrier, Cairn Terrier, Chihuahua, Chinese
predicted when the journey started. If the dog’s health de- Crested Dog, Miniature Schnauzer, Finnish Lapphund, Finnish
teriorates severely during the trip and it was not possible to Spitz, Fox Terrier, Icelandic Sheepdog, Jack Russell, Lhasa
predict this, compensation is provided for costs attributable Apso, Toy-, Miniature and Medium Poodle, Münsterländer, Norr-
to the deterioration. bottenspets, Norwegian Buhund, Papillon, Phalène, Schnauzer,
• if compensation can be provided by another insurance. Shih Tzu, Soft-Coated Wheaten Terrier, Tibetan Spaniel, Tibetan
• costs for an interrupted trip or extended stay, if the dog's Terrier, Swedish Vallhund, Welsh Springer, West Highland White
illness or injury is not life-threatening according to Terrier and Whippet.
veterinary medical assessment.
G.3 Where the insurance is valid
F.3 Excess A The insurance is valid in Sweden. It is valid for a maximum
A The insurance does not have an excess. period of one year in other EU countries, the United Kingdom,
Norway or Switzerland, starting from the day of departure
from Sweden.
14G.4 Insured animal G.6.1 Special conditions
A The insurance covers the dog or dogs that are specified in
the insurance policy document. SPECIAL CONDITIONS
Obstetric complications and caesarean section
G.5 Maximum benefit Joint diseases
A The maximum benefit is stated in your insurance policy
Other degenerative spinal, knee and joint diseases
document and is the highest compensation that you can
receive from the insurance. The amount covered by the insur- Hidden defects
ance is reduced upon every yearly renewal from the age 5, 7 or
9 years, depending on the age group of your dog. See section a) Obstetric complications and caesarean section
G.2. The amount is reduced by 20 % each year until it reaches A The insurance covers obstetric complications and caesar-
SEK 5,000. When reducing the amount, it is rounded to the ean section for a female dog from 20 months to 10 years of age.
nearest hundred SEK. From the beginning of the insurance year A female dog aged over 7 years must have had at least one litter
the dog reaches 7, 9 or 11 years of age depending on the breed of puppies between the ages of 20 months and 7 years, in addi-
the highest amount of the life insurance is SEK 10,000. If you tion to this there is a requirement of the female undergoing a
have been compensated by the supplementary insurance Agria veterinary exam within 30 days prior to mating. The certificate
Utility or Agria Breeding Life, the maximum benefit is reduced of the veterinary examination must show that the female is in a
by the amount you received in compensation. suitable condition to have a litter of puppies without risking her
health. For caesarean section, it must be proven that the female
Dogs are valued based on the purchase price and market value. is provenly unable to give birth herself or can not give birth
The market value means the amount that it would have cost herself after receiving medical treatment. The female must not
to purchase an equivalent dog immediately before the claim have given birth twice by caesarean sections previously and for
incident. The market value is determined by the merits of the dog Boston terriers, English and French Bulldogs and Chihuahuas life
and is based on the Swedish Kennel Club’s valuation list. You are insurance will only cover if the female previously has given birth
responsible for ensuring that the dog is valued correctly by us. to one or more litters and all the litters have been born without
caesarean section.
G.6 Insurance cover
A Compensation is provided up to the maximum benefit if b) Joint diseases
the insured dog is subject to severe illness or injury and can A Hip disease, elbow disease, patellar luxation, osteochon-
not be treated or is not viable for a prolonged life and therefor drosis and short ulna or Perthes disease is covered under the
must be euthanised according to veterinary medical assessment. condition that the dog has been covered by a life insurance
since before the age of 4 months, and has continued to be
The term accident refers to a traumatic injury that is caused insured without interruption. In the case of hip dysplasia
by a sudden external event. If the vet confirms that the dog (HD), the X-ray images of the registered pedigree dog must be
has swallowed a foreign object or the dog suffers from acute scanned and registered with the Swedish Kennel Club (SKK).
poisoning, this is also considered to be an accident.
If the elbow or hip has previously been declared healthy after
An accident does not include heat stroke or a tick bite and an X-ray examination and the result is registered with the SKK
consequences thereof. An accident does not include conditions or another Nordic kennel club affiliated to the FCI, you will be
which, even if they are found after an accident, are the result of compensated if problems occur in the previously healthy joint.
an illness, according to veterinary medical assessment.
c) Other degenerative spinal, knee and joint diseases
If the dog has both life insurance and veterinary care insurance, A For other degenerative spinal, knee and joint diseases,
we may compensate the life insurance if it is clear that com- such as herniated disc, it is covered under the condition that
pensation from valid veterinary care insurance would exceed the dog has been covered by a life insurance since before the
the maximum benefit in the life insurance. You must contact us age of 4 months, and has continued to be insured without
for an assessment. interruption.
15Agria Dog
If the dog has not been insured before the age of 4 months, You can not receive compensation if the dog has disappeared
there is a waiting period for the insurance of 12 months from as a result of unlawful disposal. If the dog is found, you are
the date the insurance is taken out. This means that other responsible for notifying us of this and pay back the insurance
degenerative spinal, knee or joint disease must not have started compensation.
during the first 12 months of insurance.
G.7 In the event of a claim
d) Hidden defects A If you have not complied with the conditions of due
A The insurance covers hidden defects, under the condition diligence requirements or instructions at the time of or prior
that the dog has been covered by a life insurance since before to the claim incident, the compensation could be reduced in
the age of 4 months, and has continued to be insured without accordance with the provisions of the Insurance Contract
interruption. The dog must have been examined without any Law (FAL). See section S.5 and S.6 in the General Terms and
comment by a vet in a Nordic country between the ages of Conditions.
7 weeks and 4 months. The certificate must not be issued more
than 7 days prior to or 7 days after delivery. If the dog is deceased or must be euthanised, the following
applies:
If the requirements stated in the paragraph above are not a) Post-mortem examination
fulfilled, the insurance is subject to a waiting period of 12 You must contact us for an assasement. You will not need to
months from the date the insurance was taken out with Agria. have a post-mortem examination carried out if we grant an
This means that the dog must not have shown symptoms of the exemption. We can request post-mortem examination if:
hidden defect during the first 12 months of insurance. • the dog is deceased or was euthanised without the underlying
cause of illness or injury had been determined.
By hidden defect we mean a disease or defect which has • the dog is deceased as a result of a sudden, unforeseen event.
started to develop before the examination and delivery but has • the insurance cover has been increased in the last year.
not given any symptoms or otherwise been known. • the amount of the dog's life value exceeds SEK 30,000.
• the dog has been insured with us for less than one year.
A hidden defect is not a disease or defect that is noted or
should have been seen on the veterinary examination, according The costs for the post-mortem examination, transport and
to established norms within veterinary medical assessment. cremation are compensated in addition to the maximum
benefit, up to a maximum of SEK 5,000 if we have requested
The insurance is not valid if the veterinary examination is per- the post-mortem examination. A post-mortem examination
formed without any comment after the dog has fallen ill or has means a macroscopic and microscopic examination of the dead
been treated for the hidden defect. It does not cover hidden animal's body. We do not accept post-mortem examinations
defects that are discovered or have shown symptoms before performed on a dog that has been frozen, buried or that is
the insurance came into force. otherwise unsuitable for examination.
G.6.2 Runaway or stolen dog b) Identification
A Compensation is provided up to the maximum benefit if If the dog does not need to have a post-mortem examination,
your dog has run away or been stolen and has not been found you must get a vet to certify that he/she has seen and iden-
within 3 months. If your dog is also covered by Agria Utility tified the dead dog. The veterinary certificate must contain a
section I, compensation may be provided if your dog has not description of the claim incident, details about the dog's name,
been found within 30 days of disappearing. breed and colour, as well as the chip- or ID-number.
You must report the dog’s disappearance to the police within G.8 Limitations
a week, look for the dog and put an advertisement about G.8.1 Waiting period
the disappearance in the local press or media with a suitable A The insurance has a waiting period of 20 days unless the
coverage. terms state otherwise, see section G.6.1 c and d. The waiting
16period means that the insurance will not cover illnesses that The insurance terminates at the end of the period of insurance
started during the waiting period from the time the insurance from the insurance year in which the dog reaches the age of 8,
came into force. For more information, see the General Terms 10 or 12 years, depending on the breed.
and Conditions section S.1.4 and S.1.5.
8 years age group:
G.8.2 General restrictions Bernese Mountain Dog, Great Dane, Irish Wolfhound, Leonberger,
A The insurance cover does not apply if the dog is deceased Newfoundland, Pyrenean Mountain Dog, Neapolitan Mastiff and
or was euthanised as a result of: St Bernard.
• behavioral disorders, temperament issues or other bad habits.
• poor oral and dental status or malocclusion. 10 years age group:
• parvo (parvovirus), distemper or infectious hepatocellular The breeds that are not listed in the 8 years or 12 years age group.
carcinoma (HCC) if the dog is not sufficiently vaccinated as
recommended in FASS Djurläkemedel. 12 years age group:
• complications due to illness, injury or treatment that would Havanese, Border Terrier, Cairn Terrier, Chihuahua, Chinese
otherwise not be compensated. Crested Dog, Miniature Schnauzer, Finnish Lapphund, Finnish
Spitz, Fox Terrier, Icelandic Sheepdog, Jack Russell, Lhasa
G.8.3 Breed-specific restrictions Apso, Toy, Miniature and Medium Poodle, Münsterländer, Norr-
A Breed-specific restrictions: bottenspets, Norwegian Buhund, Papillon, Phalène, Schnauzer,
• For Shar Pei life insurance does not cover if the dog is Shih Tzu, Soft-Coated Wheaten Terrier, Tibetan Spaniel, Tibetan
deceased or is euthanised as a result of eye, ear or skin Terrier, Swedish Vallhund, Welsh Springer, West Highland White
conditions. Terrier and Whippet.
• For Boston Terriers, English and French Bulldogs and Pugs,
life insurance does not cover if the dog is deceased or was H.3 Where the insurance is valid
euthanised as a result of causes related to the dog's trachea, A The insurance is valid in Sweden. It is valid for a maximum
soft palate, nasal cavities, nostrils or constrictions in the period of one year in other EU countries, the United Kingdom,
pharynx. Norway or Switzerland, starting from the day of departure
from Sweden.
G.9 Excess
A The insurance does not have an excess. H.4 Insured animal
A The insurance covers the dog or dogs that are specified in
the insurance policy document.
H Agria Mini Life H.5 Maximum benefit
A The maximum benefit is stated in your insurance policy
H.1 The insurance applies to document and is the highest compensation that you can r eceive
A The insurance covers the policyholder in their capacity as from the insurance. The amount covered by the insurance is
the owner of the dog, or a policyholder that is not the owner of reduced upon every yearly renewal from the age 5, 7 or 9 years
the dog but who has a significant financial interest in the dog. depending on the age group of your dog. See section H.2. The
amount it reduced by 20 % each year until it reaches SEK 5,000.
H.2 When the insurance applies When reducing the amount, it is rounded to the nearest hundred
A The insurance is valid for insurance cases that occur during SEK. From the year the dog reaches the age of 7, 9 or 11 years,
the insurance term and that are covered by the insurance. The depending on the breed, the highest amount is SEK 10,000.
insurance can not be taken out for dogs that have reached the
age of 6 years. For breeds in the 8 years age group, life insur- Dogs are valued based on the purchase price and market value.
ance can not be taken out for dogs that have reached the age of The market value means the amount that it would have cost
4 years. to purchase an equivalent dog immediately before the claim
incident.
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