Petme · Finland

Pet insurance in Finland

What standard cover includes, how it compares, and why Finnish owners stack it with Petme\'s 20,000 € per-booking vet protection.

A practical look at the Finnish pet-insurance market, how to compare policies, and where Petme\'s booking-level protection fits the picture.

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Owner fee on Petme

20,000 €

Vet protection per booking

200K+

Pet owners on the platform

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What policies cover

Reading a Finnish pet-insurance policy

Annual cap

Typically 1,500-5,000 € per year. Some premium policies push to 10,000 €. Compare caps carefully if you have a breed with known health issues.

Deductible

Often a 20 % co-insurance plus a flat 100-200 € per claim. A surgery quoted at 1,800 € often nets you a 1,200 € insurance payout after deductibles.

Exclusions

Pre-existing conditions almost always excluded. Hip/elbow dysplasia in certain breeds may be excluded after the first year. Read the fine print.

Liability cover

Some policies add personal liability for damage caused by the pet. Useful in Finland where dogs travel on public transport and visit cafes routinely.

How they stack

Personal insurance + Petme protection

During a Petme booking, the 20,000 € vet protection acts as the first layer with no deductible. Most personal Finnish pet policies kick in if costs exceed that cap, subject to their own deductible. Outside sittings, the personal policy is your only cover. The two together close the gap on most routine emergencies without out-of-pocket pain.

FAQ

Frequently asked questions

Is pet insurance common in Finland?
Pet insurance is widely held in the Nordics including Finland, with many dog and cat owners carrying annual policies. Finnish owners often see it as standard rather than optional. Specific market-share numbers vary by insurer; check current figures with your provider.
What does standard Finnish pet insurance cover?
Most policies cover veterinary treatment for illness and injury up to an annual cap (typically 1,500 to 5,000 €), with a deductible per claim. Add-on cover often includes medication, rehabilitation, dental care, and sometimes liability for damage caused by the pet.
How does Petme's 20,000 € vet protection differ?
It is per-booking, not annual. Every Petme booking includes up to 20,000 € in vet expenses if something happens during the sitting. No deductible, no extra premium, no separate signup. It stacks with personal pet insurance.
Do I still need personal insurance if I use Petme?
Yes for routine care. Petme protection only applies during the booking window of a confirmed sitting. Your annual policy covers vet bills outside sittings: routine illness, accidents at home, surgeries unrelated to a sitting.
Which Finnish insurers offer pet insurance?
OP, If, LähiTapiola, Fennia, and Pohjantähti all offer pet insurance products in Finland, along with insurance brands focused specifically on pets. Compare cover limits, deductibles, and exclusions before signing up.
Can I claim on both my insurance and Petme protection?
Usually you claim on Petme protection first because it has no deductible. If costs exceed 20,000 €, your personal insurance picks up the remainder up to its annual cap. Confirm both providers' specific rules before assuming both stack.

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Every booking on Petme includes 20,000 € vet protection. Browse verified sitters across Finland and book in the app.

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See the Petme Protection Plan · Vet costs in Finland