How Dina Försäkringar’s horse insurance works in practice: the difference between Hel and Begränsad veterinary care and life cover, sums, excess, medicine/rehab included, the dental add-on and Foster & föl – with links to Dina and Villkor HÄST 2025.
Dina Försäkringar is a network of local customer-owned companies (Göta, Mitt, Nord, Väst, Syd and others) with shared horse terms. Cover is built simply: Hel or Begränsad veterinary care, plus optional Hel or Begränsad life, and add-ons for dental care and Foster & föl. This guide walks through the products from Dina’s pages and Villkor HÄST 2025 (in force from 2025-06-01).
Start here if you want the primary source. The wording is what applies at a claim – this guide is a plain-language overview. Policies and advice go through your local Dina company.
Dina stresses that on Hel you do not buy extra cover for lameness, medicine or rehab – they are included. Begränsad is deliberately narrow: colic, fracture and acute wounds.
| Part | Hel veterinary care | Begränsad veterinary care |
|---|---|---|
| Focus | Broad: illness and accident as set out in the terms | Narrow: only certain acute events |
| What is paid (core) | Examination, treatment and care for illness/injury including lameness and a lameness work-up | Traumatic fractures/fissures, acute colic/abdominal surgery, acute wounds from external trauma |
| Medicine and dressings | Up to 15 000 kr/year (included) | No – prescriptions/pharmacy are not included |
| Rehab | Up to 15 000 kr/year (plan, start within 2 months) | No |
| MRI / CT / scintigraphy | Yes, when medically needed (prior approval) | No (outside the cover) |
| Veterinary travel | Up to 1 500 kr per treatment occasion | No |
| Animal ambulance | Up to 15 000 kr | Up to 15 000 kr |
| Euthanasia/disposal | Up to 10 000 kr | Up to 10 000 kr |
| Therapeutic shoeing / some dental | Therapeutic shoeing for certain hoof diseases; apical abscess and certain dental fractures in Hel | No |
| FirstVet | Unlimited video calls for a payable injury | Unlimited video calls for a payable injury |
| Dental add-on | Can be taken out | No – Hel only |
| Rule | According to Dina |
|---|---|
| Maximum veterinary sum insured | 40 000 / 80 000 / 120 000 kr per year |
| Fixed excess | 2 500 / 5 000 / 7 500 kr |
| Percentage excess | 25 % |
| Excess period | Six months – one fixed excess regardless of the number of diagnoses in the period |
| Waiting period | 20 days for illness (foals under 30 days: 5). Also applies when you upgrade |
| No waiting period (among others) | Wounds/fracture from external trauma, colic, shipping fever, pleurisy, traffic/fire/drowning, a transfer with at least the same cover |
| Extra veterinary care | If the sum is used up you can buy a new sum for new injuries (20 days’ waiting period) until the main renewal date |
Life is an optional add-on. Hel liv & användbarhet pays on death/euthanasia and permanently lost usefulness, plus a partial settlement if the horse can live on. Begränsad liv is narrower – mainly accident and acute illness without previous symptoms.
You can take out Hel for a trotting, racing or breeding horse as well, but the use of the horse drives the exclusions. After 1 January in the year a trotting/racing/monté horse turns two, Hel applies with exclusions for, among other things, lameness (except external trauma and OC under the terms), the back and chronic respiratory disease. Breeding without riding/driving has similar exclusions for lameness/back. Pony trotting and Arabian racehorses are excepted from the trotting/racing rule.
Dina can suit you if you want a local contact, Hel with medicine and rehab built in (without Sveland-style add-ons), a six-month excess period and the option of keeping veterinary care for life. The ceiling of 120 000 kr is lower than Agria Extra (160 000) and Dunstan/Sveland (150 000) – weigh that in if you want the highest possible cap.
Contact your local Dina company for a quote and to take out cover. On a switch: the waiting period falls away on a transfer with at least the same cover. Apply first, cancel afterwards. If you step down from Hel to Begränsad: lameness, medicine and rehab disappear.
Hel covers illness and accident including lameness, medicine and rehab (up to 15 000 kr each). Begränsad pays only for traumatic fractures/fissures, acute colic/abdominal surgery and acute wounds from external trauma. Maximum sum on both: 40 / 80 / 120 000 kr.
A fixed 2 500, 5 000 or 7 500 kronor plus 25 % variable. The excess period is six months – the fixed part is paid once per period regardless of the number of diagnoses.
No, not according to Villkor HÄST 2025. The percentage excess is 25 % even for lameness and the back. Sufficient rest as advised by the vet is required, though – otherwise the settlement can be reduced.
Yes, in Hel veterinary care – up to 15 000 kronor a year each. They are not included in Begränsad. Dental care is a separate add-on to Hel.
Veterinary care can be kept for life. Life cover can be taken out up to and including the year the horse turns 15 and runs until age 25 (with an annual reduction from 16).
Dina is a network of local insurers with shared horse terms. The company named on your policy schedule is responsible for the cover – advice and handling are local.
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