If your dog is injured or becomes ill, necessary veterinary services, tests, or medication can be expensive.
We therefore recommend insuring your dog with Dog Insurance, which includes Life and Medical Cost Insurance and can also include Third Party Liability Insurance.
Dog insurance is a combined insurance that includes life insurance, medical expenses insurance, and an optional liability insurance.
What is covered? | What is not covered? |
|---|---|
| Life insurance pays benefits: | Life insurance does not pay benefits for: |
If a dog dies from a disease or accident, or if a veterinarian determines it must be euthanised as a result. | Injuries and diseases that occurred before the insurance took effect or within 30 days of it taking effect. |
If a dog has to be euthanised due to aggression, hip dysplasia, hereditary diseases or by order of the authorities. | |
| Medical expense insurance covers: | Medical expense insurance does not cover: |
Veterinary treatment. | Diseases and injuries that occurred before, or within 30 days of the insurance taking effect. |
Medication. | Castration or sterilisation, if a veterinarian does not consider it necessary. |
Necessary examinations, such as X-rays, electrocardiograms and biopsies. | |
| Liability insurance* covers : | Liability insurance does not cover: |
Liability that falls on the owner of a dog according to Icelandic law. | Damages suffered by the family of the person responsible for the dog. |
*Liability insurance is often included in the license fees dog owners pay to local authorities. If that is the case, it is not necessary to buy special liability insurance for dogs. | Damage caused by not following laws and regulations on treatment of animals. |
Life insurance only applies to dogs with a registered pedigree from the Icelandic Kennel Association or another registry recognised by the association.
The insurance is valid in Iceland.
You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.
You must follow all the precautions in the terms of the insurance policy.
The premium must be paid on the due date. When the insurance policy is issued or renewed an electronic claim is created in your online bank. You have the option to distribute the premium payments by:
Credit card payment, where the premium is charged monthly to a credit or debit card.
Direct payment, where your bank account is debited monthly.
Corporate distribution, where the premium can be paid in monthly payments.
The insurance policy takes effect when an offer is accepted and is renewed annually until it is canceled.
Individuals and companies with fewer than five full-time positions can cancel the insurance at any time. and it will expire at the end of the following month after the cancellation is received. Other companies can cancel their insurance one month in advance before the end of the insurance period.
The cancellation must be in writing, for example with an electronic signature.