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    Staff, branches & agencies Sickness Cost Insurance Good to know

Dog insurance

Dog insurance consists of life insurance and medical expenses insurance.

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Overview of insurance

In the dog insurance, there is a choice of life, medical expenses, and liability insurance.

  • Life insurance is only available for dogs that have a pedigree book from the Icelandic Kennel club or similar parties.
  • Medical expensive insurance can be purchased for all dogs.
  • Liability insurance is usually included in the license fees that dog owners pay to municipalities. If liability insurance is not included in those fees, it can be included in the dog insurance.

You can buy each insurance separately or put them together.

New insurance can be bought for a dog between the ages of eight weeks and five years.  A request for insurance must be accompanied by a vaccine book for smallpox (pavro) and a pedigree book when insuring a dog. The insurance expires when the dog has reached the age of 10.

Medical expense insurance compensates:
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Expenditure on veterinarians due to illness or injury that a dog suffers such as:

  • Inspections and treatment (up to a maximum according to terms).
  • Dental repairs due to injuries.
  • Medicines given to a dog by a veterinarian or veterinary hospital during an examination or treatment.
  • A cesarean section which is considered medically necessary by a veterinarian.
  • Necessary X-rays, ECGs, and tissue samples research.
Medical expense insurance does not compensate:
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  • Treatment for injuries or illnesses that occurred before the insurance took effect.
  • Diseases that occur within 30 days from the time the insurance takes effect.
  • Treatment for congenital or hereditary disorders or diseases.
  • Preventive inspections and treatments.
  • Castrations or sterilization procedures if the operation is not considered medically necessary.
  • Additional expenses for house call outside normal working hours.
  • Transportation costs associated with medical visits or admission.
  • Fodder.

The list is not exhaustive. Familiarize yourself with the terms of dog insurance.

Life insurance compensates:
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  • The insurance amount if a dog dies from an illness or injury or is put to sleep as a result, according to a veterinarian's ruling.

The list is not exhaustive. Familiarize yourself with the terms of dog insurance.

Life insurance does not compensate:
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Insurance does not pay compensation if a dog has to be killed due to:

  • Aggression.
  • Abnormal growth in the hips (hip loosening).
  • Recognized hereditary diseases.
  • If a dog has to be killed by order of the authorities.

The list is not exhaustive. Familiarize yourself with the terms of dog insurance.

What affects the premium?
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  • The premium is same for all dogs in the health insurance, but the life insurance premium depends on the amount the dog is insured for (based on the puppy price of a dog of the same breed). You get all the information about the premium and the amount of deductible from our consultants.
  • Customers in Stofn receive a discount on the premium. Claim-free and payment dependency customers also receive a Stofn-refund of the premium.

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Sjóvá
  • Sjóvá-Almennar tryggingar hf. Kt. 650909-1270
  • Sjóvá-Almennar líftryggingar hf. Kt. 680568-2789
  • Kringlan 5, 103 Reykjavik,
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Þjónustusími
440 2000
Tjónavakt
800 7112
E-mail
sjova@sjova.is
Vegaaðstoð
440 2222
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Contact information

Kringlan 5, 103 Reykjavik
Opening hours Mon - Thu 9:00 - 15:00

Customer service: 440 2000

Claims Service: 800 7112

Roadside assistance: 440 2222

E-mail: sjova@sjova.is
Fax: 440 2020

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