What Agria Djurförsäkring does

Agria Djurförsäkring is a Swedish pet and animal insurance company headquartered in Stockholm, operating as a subsidiary of the Länsförsäkringsgruppen insurance federation, with roots dating to 1890. The company provides recurring-premium insurance products covering veterinary care, life, liability, breeding, hunting, business interruption, and catastrophe risk for dogs, cats, horses, small animals, birds, and agricultural livestock. Its product portfolio is structured in tiers (entry-level through premium, e.g., Agria Mini, Katt Enkel/Extra, Hundras Extra, Häst Extra Veterinärvård), complemented by specialized add-ons such as Dolda fel (hidden defect) coverage, Foal protection, Avel (breeding) care, Agria Jakthundsförsäkring, Agria Rovdjursförsäkring, and Agria Trafikeftersök.

Agria's operating model combines direct-to-consumer digital sales via agria.se and the Agria mobile app with a phone-based customer service channel (0775-88 88 88), a nationwide ombud (agent) network, Länsförsäkringsgruppen regional branches, and referral partnerships with the Svenska Kennelklubben and Svenska Jägareförbundet. The Mitt Agria portal supports self-service policy management and claims filing using Mobilt BankID authentication, and Direktreglering (direct settlement) with veterinary clinics reduces out-of-pocket expenses for policyholders. The Agriakortet payment card enables installment billing for veterinary visits, and Kivra integration supports paperless document delivery.

Revenue is generated through recurring insurance premiums paid monthly, semi-annually, or annually (via autogiro, e-faktura, Kivra, or paper invoice), with breed-, age-, and coverage-tier-based pricing and puppy/kitten discounts of up to 50% for enrollment before 4 months. Distribution extends beyond Sweden to Norway, Denmark, and Finland, and since February 2022 the affiliated entity Agria Petinsure has operated in Ireland and the Netherlands via the acquisition of Capstone Financial Services Limited, targeting markets with materially lower pet insurance penetration than Sweden.

Name

Agria Djurförsäkring

Legal name

Agria Djurförsäkring

Website

https://agria.se

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

251–500 employees

Short description

Agria Djurförsäkring is Sweden's leading pet insurer providing veterinary, life, liability, breeding, and hunting insurance for dogs, cats, horses, small animals, and livestock through digital, agent, and partnership channels. A subsidiary of the Länsförsäkringsgruppen federation, with Nordic plus Ireland/Netherlands operations.

Ownership category

akta.pro rank

Product category

Pet Insurance

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industry

General Liability Insurance (FSAJAKAD)

Keywords

• Pet insurance
• Veterinary insurance
• Animal healthcare coverage
• Horse insurance
• Livestock insurance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Pet Insurance Premiums: Agria generates revenue through recurring insurance premiums paid by pet owners for veterinary care, life, and liability coverage for dogs, cats, horses, and small animals. Premiums are billed monthly, semi-annually, or annually with flexible payment methods including autogiro, e-faktura, and Kivra digital invoicing.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Agria Djurförsäkring provides pet and animal insurance products in Sweden covering veterinary care, life, liability, and breeding risks for dogs, cats, horses, small animals, and agricultural livestock. The company offers tiered plans (basic, standard, premium) supplemented by specialized add-ons such as hunting dog, hidden defect, life, catastrophe, and breeding coverage, distributed through its own digital channels and agent network.

Product overview

Agria Djurförsäkring is a Swedish pet and animal insurance company offering a comprehensive insurance platform for dogs (Hundförsäkring), cats (Kattförsäkring), horses (Hästförsäkring), small animals/birds, and agricultural livestock. The product portfolio operates on a tiered architecture with basic, standard, and premium insurance tiers (such as Agria Mini, Katt Enkel, Hundras Extra, and Häst Extra Veterinärvård), complemented by specialized add-on modules for breeding, hunting dogs, liability, accident coverage, and business interruption. Key add-ons include Dolda fel (hidden defects), Livförsäkring (life insurance), Avel Veterinärvård (breeding), Jakthundsförsäkring (hunting dogs), and Agria Katastrof (catastrophe coverage). The company provides digital self-service through Mitt Agria customer portal and the Agria app, with integrations for Kivra (digital invoicing) and Mobilt BankID (authentication).

Differentiator

Problem solved

Functional benefit

Brands

• Agria Hundras Extra: Comprehensive dog insurance with high coverage limits, digital health checks, and 24/7 veterinary advice
• Agria Katt Extra
• Häst Extra Veterinärvård
• Agriakortet
• Mitt Agria
• Agriaappen

Products and services

• Hundförsäkring (Dog Insurance) Veterinary healthcare insurance for dogs covering illness, injury, and accidents. Offers multiple tiers including premium, breed-specific, and basic plans with optional add-ons for breeding, rehabilitation, and liability coverage.
• Kattförsäkring (Cat Insurance) Veterinary healthcare insurance for cats with two tiers (comprehensive and basic) covering veterinary costs for illness and accidents, with optional life insurance, tooth resorption (TR/FORL) coverage, and breeding add-ons.
• Hästförsäkring (Horse Insurance) Comprehensive equine insurance covering veterinary care, life insurance, and usability coverage for riding horses, trotting horses, breeding horses, and foals. Includes premium, breeding, and basic veterinary tiers.
• Smådjursförsäkring (Small Animal & Bird Insurance) Insurance coverage for small pets and birds, providing veterinary cost protection for illness and accidents.
• Lantbruksförsäkring (Agricultural/Livestock Insurance) Insurance products for agricultural operations and livestock, covering farm animals and crops.
• Agria Jakthundsförsäkring (Hunting Dog Insurance) Specialized insurance package for hunting dogs combining veterinary care (up to 50,000 SEK/year) and life insurance (up to 15,000 SEK). Covers accidents, stomach torsion, and lung edema during hunting activities.
• Häst Extra Veterinärvård (Horse Extra Veterinary Care) Most comprehensive horse insurance with highest coverage limits (up to 160,000 SEK annually), 24/7 veterinary advice, digital health checks, and online courses. Includes rehabilitation and extended medicine coverage.
• Ridhäst Liv & Användbarhet (Riding Horse Life & Usability) Comprehensive life and usability insurance for riding horses, covering death, euthanasia, loss of use as riding horse, theft, or disappearance. Includes partial compensation for insured values over 10,000 SEK.
• Dolda fel-försäkring (Hidden Defect Insurance) Coverage for congenital or acquired diseases/conditions not evident at time of purchase or inspection. Includes coverage for hidden defects, flapping gelding operations, and dorsal fragment removal.
• Agria Katastrof (Catastrophe Insurance) Low-cost limited insurance covering specific events: fire, traffic accident, drowning, and botulism. Available as both life and veterinary care insurance, including for horses over 15 years.
• Livförsäkring (Life Insurance) Life insurance add-on for pets providing compensation if the animal dies or must be euthanized. Available for dogs, cats, and horses as standalone or combined with veterinary insurance.
• Avel Veterinärvård (Breeding Veterinary Care) Specialized veterinary insurance for breeding mares, covering colic, surgery, ambulance transport, and euthanasia. Includes Dolda fel (hidden defect) coverage and 24/7 health advice.
• Trav och Galopp Veterinärvård (Trotting & Gallop Veterinary Care) Veterinary insurance specifically designed for trotting and galloping horses, covering colic, wounds, hoof abscess, and laminitis. Includes emergency transport and 24/7 veterinary advice.
• Foster och fölskydd (Foal & Foetus Protection) Package insurance covering pregnant mares and foals from confirmed pregnancy (day 30) until 30 days before birth. Covers proven miscarriage, stillborn foals, missing foetus, foal death within 30 days, and mare death within foal's first 30 days.
• Flock Veterinärvård (Flock Veterinary Care) Multi-horse veterinary insurance for horse owners with several horses. Covers veterinary treatment, medicine, rehabilitation, ambulance transport, and euthanasia across the insured flock.
• Agria Trafikeftersök (Traffic Tracking Insurance) Accident insurance for dogs working in traffic tracking searches initiated by police. Covers veterinary care (up to 120,000 SEK) and life insurance (25,000 SEK) with no deductible. Available to all tracking dogs regardless of existing insurance.
• Agria Rovdjursförsäkring (Predator Insurance) Combined life and veterinary insurance covering injuries from wolves, lynx, bears, wolverines, or golden eagles during hunting or training. No deductible applies. Partnership with Swedish Hunters' Association.
• Agria Ridavbrott (Riding Interruption) Business interruption insurance for riding operations. Covers lost income up to 40 days if authorities close the facility due to contagious disease (e.g., strangles). Includes veterinary care coverage for all horses during closure period.
• Agriakortet (Agria Card) Payment card linked to Agria insurance that enables direct claim disbursements to the card account and installment payment options for veterinary visits.

Quantifiable outcome

• Saves pet owners significant out-of-pocket costs - example: 30,299 kr veterinary bill results in 22,779 kr Agria payout (buyer pays 7,520 kr deductible)
• +2 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• Capstone Financial Services LimitedcoreStrategic or Co-development Partner · 8 February 2022Agria Petinsure acquired Irish company Capstone Financial Services Limited in February 2022 to expand international presence into Ireland and the Netherlands. The acquisition targets markets with significantly lower pet insurance penetration (~10% in Ireland vs. higher rates in Sweden), representing a strategic market expansion initiative.
• Svenska Kennelklubben (SKK)flagshipGTM or Marketing PartnerStrategic partnership with Sweden's national dog owners organization. Agria offers tailored insurance products through SKK's network, participates in SKK events, and collaborates on product development through SKK's involvement in Agria's product committees.
• Svenska Jägareförbundet (Swedish Hunters Association)flagshipGTM or Marketing PartnerLong-standing partnership providing hunting dog insurance products. Agria offers 10% member discounts, specialized rovdjursförsäkring (predator damage insurance), and trafikeftersöksförsäkring (tracking dog accident insurance) to members. Agria supports the association's conservation and hunting sustainability mission.
• LänsförsäkringsgruppencoreStrategic or Co-development PartnerAgria is part of the Länsförsäkringsgruppen insurance cooperative, which operates property, casualty, and life insurance across Sweden through regional mutual insurance companies. This affiliation provides distribution infrastructure and brand credibility.
• MyDogminorGTM or Marketing PartnerMyDog is Nordic's largest dog event. Agria participates as a partner/sponsor at this annual gathering of dog owners and enthusiasts.
• Falsterbo Horse ShowminorGTM or Marketing PartnerAgria sponsors and participates at Falsterbo Horse Show, one of Sweden's premier equestrian events, for brand visibility among horse owners.
• Gothenburg Horse ShowminorGTM or Marketing PartnerAgria participates at Gothenburg Horse Show, a major Swedish equestrian event, for brand exposure and product promotion to horse owners.
• Swedish Breed Clubs (Multiple)minorGTM or Marketing PartnerAgria has partnerships with numerous Swedish breed clubs including Cavalier Sällskapet, Flatcoated Retrieverklubben, Golden Retrieverklubben, Jack Russell Klubben, Labrador Retrieverklubben, Svenska Brukshundklubben, Svenska Collieklubben, Svenska Taxklubben, and others for breed-specific insurance offerings and referrals.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Agria
• LinkedInlinkedin.com/company/agria-djurforsakring
• Instagraminstagram.com/agriadjur

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Agria Djurförsäkring