Pet insurance in Norway: what it costs
What a typical dog and cat policy costs in Norway, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
275 NOK a month, about 3,300 NOK a year
Midpoint of 200-350 NOK/month for a mixed-breed dog with basic vet cover (expert-zoom.com, 28 Mar 2026; insurers If, Gjensidige, Agria, SpareBank 1). Pedigree dogs with extended cover 400-700. Agria publishes no premiums, only a quote tool. source
Cat
150 NOK a month, about 1,800 NOK a year
Midpoint of 100-200 NOK/month for an ordinary domestic cat, basic cover (expert-zoom.com, 28 Mar 2026). Pedigree cats with extended cover 250-450. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 181.50 NOK | 2,178 NOK |
| Small | 214.50 NOK | 2,574 NOK |
| Medium | 239.25 NOK | 2,871 NOK |
| Large | 305.25 NOK | 3,663.00 NOK |
| Giant | 412.50 NOK | 4,950 NOK |
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 | 272.25 NOK | 3,267 NOK |
| French Bulldog | 393.25 NOK | 4,719 NOK |
| German Shepherd Dog | 297 NOK | 3,564 NOK |
| Golden Retriever | 258.50 NOK | 3,102 NOK |
| Dachshund (Standard) | 222.75 NOK | 2,673 NOK |
| English Cocker Spaniel | 228.25 NOK | 2,739 NOK |
| Chihuahua | 173.25 NOK | 2,079 NOK |
| Border Collie | 222.75 NOK | 2,673 NOK |
| Mixed breed (dog) | 206.25 NOK | 2,475 NOK |
| Mixed breed (cat) | 127.50 NOK | 1,530 NOK |
| Maine Coon | 148.50 NOK | 1,782 NOK |
| British Shorthair | 141 NOK | 1,692 NOK |
| Ragdoll | 133.50 NOK | 1,602 NOK |
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 Norway → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.