Agria is a Swedish insurance company specialising exclusively in pet insurance and livestock coverage. Founded in 1890 and headquartered in Stockholm, Agria is one of the oldest and most established animal insurers in the world. It operates as part of the Länsförsäkringar Group, Sweden’s largest insurance alliance, which gives it a strong financial foundation and wide distribution network across the country.
What Agria Covers
Agria’s core products focus on companion animals and agricultural animals. For pet owners, the company offers comprehensive policies for dogs and cats, covering veterinary treatment, surgery, medication, and in some cases behavioural therapy. Agria also provides life insurance for animals, which pays out if a pet dies or must be euthanised due to illness or injury.
- Dog insurance — illness, injury, life cover, and liability
- Cat insurance — veterinary costs and life cover
- Equine insurance — horses, ponies, and riding school animals
- Livestock insurance — cattle, pigs, and other farm animals
For expats with pets, Agria’s dog insurance and cat insurance policies are worth comparing carefully. Coverage limits, deductibles, and annual caps vary between tiers — understanding how deductibles work before choosing a plan can save you money at claim time.
Agria in the Swedish Market
Sweden has one of the highest rates of pet insurance uptake in the world, and Agria holds a dominant position in that market. The company insures over 1.5 million animals in Sweden alone and has expanded into several other Nordic and European countries. Its long track record means it has extensive claims data, which it uses to set premiums and refine policy terms.
Agria policies are available directly through their website and via Länsförsäkringar’s regional offices. Premiums are calculated based on the animal’s breed, age, and chosen coverage level. Certain breeds considered higher risk — such as flat-faced dogs — may face higher premiums or exclusions.
What Expats Should Know
If you are relocating to Sweden with a pet, registering with Agria shortly after arrival is straightforward. Policies are written in Swedish, so it is worth using a translation tool or consulting a broker if you are not yet fluent. Pre-existing conditions are typically excluded, so taking out coverage early matters.
Agria does not offer broader personal lines products such as health insurance or home insurance — for those, you will need to look at other providers. You can browse the full range of insurers active in Sweden on the insurance companies overview page.
