Pet insurance in Estonia: what it costs
What a typical dog and cat policy costs in Estonia, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€20 a month, about €240 a year
Barkibu Estonia: cover from about 20 EUR/month (80% of vet costs, price by breed/age). Broker kindlustus.net: dogs from 150/yr (small) to about 400/yr (large breeds) = 12.5-33/month. ERR (Mar 2024): If pet insurance from about 10/month. source
Cat
€10 a month, about €120 a year
Broker kindlustus.net: cats from 80 EUR/yr at 1,500 EUR limit (6.67/month); 120-200/yr at 3,000 limit (10-16.67/month). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €13.20 | €158.40 |
| Small | €15.60 | €187.20 |
| Medium | €17.40 | €208.80 |
| Large | €22.20 | €266.40 |
| Giant | €30 | €360 |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | €19.80 | €238 |
| French Bulldog | €28.60 | €343 |
| German Shepherd Dog | €21.60 | €259 |
| Golden Retriever | €18.80 | €226 |
| Dachshund (Standard) | €16.20 | €194 |
| English Cocker Spaniel | €16.60 | €199 |
| Chihuahua | €12.60 | €151 |
| Border Collie | €16.20 | €194 |
| Mixed breed (dog) | €15 | €180 |
| Mixed breed (cat) | €8.50 | €102 |
| Maine Coon | €9.90 | €119 |
| British Shorthair | €9.40 | €113 |
| Ragdoll | €8.90 | €107 |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Estonia → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.