Pet insurance in Finland: what it costs
What a typical dog and cat policy costs in Finland, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€25 a month, about €300 a year
If (product manager, Taloustaito 15 Dec 2023): average dog policy with vet-cost, death and liability cover about 200-400 EUR/yr = 17-33 EUR/month. Depends on breed, age and sum insured. source
Cat
€17 a month, about €204 a year
If: average cat policy about 150-250 EUR/yr = 12.5-21 EUR/month (Taloustaito 2023). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €16.50 | €198 |
| Small | €19.50 | €234 |
| Medium | €21.75 | €261 |
| Large | €27.75 | €333.00 |
| Giant | €37.50 | €450 |
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 | €24.75 | €297 |
| French Bulldog | €35.75 | €429 |
| German Shepherd Dog | €27 | €324 |
| Golden Retriever | €23.50 | €282 |
| Dachshund (Standard) | €20.25 | €243 |
| English Cocker Spaniel | €20.75 | €249 |
| Chihuahua | €15.75 | €189 |
| Border Collie | €20.25 | €243 |
| Mixed breed (dog) | €18.75 | €225 |
| Mixed breed (cat) | €14.45 | €173 |
| Maine Coon | €16.83 | €202 |
| British Shorthair | €15.98 | €192 |
| Ragdoll | €15.13 | €182 |
Liability insurance
Dog liability insurance costs about €10 a year in Finland. source
Not mandatory. Pohjola Vakuutus: pet liability add-on under 10 EUR/yr; If bundles liability in its dog policy (Taloustaito, 15 Dec 2023).
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 Finland → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.