Pet insurance in Sweden: what it costs
What a typical dog and cat policy costs in Sweden, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
500 SEK a month, about 6,000 SEK a year
Sveland Djurägandet 2026 owner survey (Oct 2025): most common dog premium 5000-6999 SEK/yr (31% of owners), i.e. ~415-585/month; midpoint ~500. Owner-reported, not a quote; Swedish insurers do not publish example prices. source
Cat
167 SEK a month, about 2,004 SEK a year
Sveland Djurägandet 2026 owner survey (Oct 2025): most common cat premium 1000-2999 SEK/yr (37%), i.e. ~85-250/month; ~2000/yr midpoint = 167. Owner-reported, not a quote. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 330 SEK | 3,960 SEK |
| Small | 390 SEK | 4,680 SEK |
| Medium | 435 SEK | 5,220 SEK |
| Large | 555 SEK | 6,660.00 SEK |
| Giant | 750 SEK | 9,000 SEK |
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 | 495 SEK | 5,940 SEK |
| French Bulldog | 715 SEK | 8,580 SEK |
| German Shepherd Dog | 540 SEK | 6,480 SEK |
| Golden Retriever | 470 SEK | 5,640 SEK |
| Dachshund (Standard) | 405 SEK | 4,860 SEK |
| English Cocker Spaniel | 415 SEK | 4,980 SEK |
| Chihuahua | 315 SEK | 3,780 SEK |
| Border Collie | 405 SEK | 4,860 SEK |
| Mixed breed (dog) | 375 SEK | 4,500 SEK |
| Mixed breed (cat) | 141.95 SEK | 1,703 SEK |
| Maine Coon | 165.33 SEK | 1,984 SEK |
| British Shorthair | 156.98 SEK | 1,884 SEK |
| Ragdoll | 148.63 SEK | 1,784 SEK |
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 Sweden → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.