How If’s horse insurance works in practice: the difference between VeterinärXtra, Veterinärvård and Begränsad, excess 2 700 or 5 000 + 20 %, life with/without loss of use, Djurhjälpen and foster & föl – with links to If and the April 2025 wording.
If offers three veterinary levels – Begränsad, Veterinärvård and VeterinärXtra (marketed as Veterinär Extra) – plus optional life cover with or without loss of use. We walk through the products from If’s site and the insurance terms of April 2025.
Start here if you want the primary source. The wording is what applies at a claim – this guide is a plain-language overview.
Unlike insurers where you build cover with add-ons, If’s three veterinary levels are ready-made packages with fixed ceilings. The sum applies for life if the policy is kept in force.
| Part | Begränsad | Veterinärvård | VeterinärXtra |
|---|---|---|---|
| Maximum sum | 60 000 kr/year | 90 000 kr/year | 130 000 kr/year |
| Scope | List: fracture/fissure, acute wound, laminitis, colic, choke, acute intestinal infection, shipping fever, pneumonia (foals under 6 months), caesarean | Broad: illness and accident including lameness | As Veterinärvård + medication, rehab, ambulance, euthanasia, vet travel |
| Lameness | No (except where it is a fracture/wound on the list) | Yes, up to the full sum | Yes, up to the full sum |
| MRI / CT / scintigraphy etc. | Up to 5 000 kr | Up to 10 000 kr | Up to 15 000 kr |
| Medication (prescription) | No | No (only medicine given at the visit) | Up to 6 000 kr/year |
| Rehab | No | No | Up to 6 000 kr/year (start within 30 days, If approval) |
| Therapeutic shoeing | Up to 2 000 kr (limited) | Up to 3 000 kr for certain diagnoses | Up to 6 000 kr for certain diagnoses |
| Ambulance / euthanasia / vet travel | No | No | 5 000 / 6 000 / 3 000 kr |
| Hidden defects (after-sale cover) | No | Yes (if insured for 3 years or from birth; discovered within 3 years; horse younger than 10 years according to If) | Yes (same conditions) |
| Foal of the mare | No | Up to 35 000 kr for 20 days | Up to 35 000 kr for 20 days |
| Djurhjälpen + accident to third parties | Included | Included | Included |
| Rule | According to If |
|---|---|
| Fixed + percentage excess | 2 700 kr + 20 %, or 5 000 kr + 20 % |
| Excess period | 135 days with fixed+percentage; 100 days with fixed only (older contracts) |
| Waiting period | 20 days – during that time only accidents are covered. Also applies when you raise/extend cover (only for the improved part) |
| No waiting period | Switch from another Swedish insurer with the same scope; certain foal scenarios as set out in the wording |
Life cover is optional. The sum should at most equal market value and is reduced by 20 % a year from the policy year the horse turns 16.
If can suit you if you want three clear levels, a 20 % percentage excess and a high ceiling in VeterinärXtra (130 000). The shorter excess period (135 days) is important to compare if the horse often needs care. Begränsad is the wrong choice if you are counting on a lameness work-up.
When switching from another insurer the waiting period falls away if the scope is the same. If you raise from Begränsad to Veterinärvård/Xtra, a 20-day waiting period applies to the improved part. Apply first, cancel afterwards – never create a gap.
Begränsad (60 000 kr) pays only for certain diagnoses – including colic, fracture, acute wound, laminitis – not ordinary lameness. Veterinärvård (90 000 kr) is broad, including lameness. VeterinärXtra (130 000 kr) adds prescription medicine, rehab, ambulance, euthanasia and vet travel.
2 700 or 5 000 kronor fixed plus 20 % variable. The excess period is 135 days – the fixed part is paid once per period.
A colic operation can cost considerably more. Begränsad and even Veterinärvård (90 000) can run out on large procedures. VeterinärXtra gives 130 000 kr – always compare with the excess and with insurers that have 150–160 000 kr.
Only in VeterinärXtra: medication up to 6 000 kr/year and rehab up to 6 000 kr/year. In Veterinärvård and Begränsad, medicine used at the treatment visit is paid, but not prescription medicine from a pharmacy in the same way.
If’s digital veterinary service via app – chat, video or phone around the clock. Included at no extra cost in all If horse policies.
https://www.if.se/globalassets/se/dokument/privat/hastforsakring-villkor.pdf (April 2025).
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