What Agria Dyreforsikring does

Agria Dyreforsikring is the Norwegian operating entity of Agria, a Nordic pet and animal insurance provider wholly owned by the Sweden-based Länsförsäkringar Alliance. The company was founded in 1938 with the establishment of its animal health research fund, and it serves individual pet owners (dogs and cats), horse owners and breeders, and small-animal owners in Norway. Its primary segments are dogs/cats, horses (including recreational, competitive, breeding, and racing), and small animals.

The product portfolio is organized into veterinary insurance (Veterinærforsikring) and life insurance (Livsforsikring), each offered in three tiers (Premium, Medium, Minimum) with specialized variants for active racing horses (Løpshest). Add-on modules include Agria Avl Bruksverdi (breeding usability), Agria Foster- og Føllforsikring (pregnancy and foal), Agria Pluss (rehabilitation therapies), and Agria Ekstra (hidden defects). The technology stack centers on the Mitt Agria customer portal and Agria mobile app, and it is differentiated operationally by Direkte skadeoppgjør (Direct Claims Settlement) — an integration with most Norwegian veterinary clinics that settles claims in approximately 20 minutes while the customer waits, with the customer only paying the deductible on-site.

Revenue is generated through recurring annual insurance premiums with multi-tier coverage and configurable deductibles (fixed NOK 2,000 or 4,500 options, or a 25% variable per-claim alternative). Distribution is multi-channel: direct online self-service through agria.no, a phone customer center, and a Norway-wide insurance agent network available evenings and weekends. The company leverages its parent alliance's financial backing, the Agria Breed Profiles data product (derived from what it describes as Sweden's largest insurance claims database), and ongoing research contributions through the Agria SKK Forskningsfond as differentiators in the Norwegian animal insurance market.

Name

Agria Dyreforsikring

Legal name

Försäkringsaktiebolaget Agria

Website

https://agria.no

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

11–50 employees

Short description

Agria Dyreforsikring is the Norwegian arm of Nordic pet insurer Agria, providing veterinary and life insurance for dogs, cats, horses, and small animals to Norwegian pet owners, horse owners, and breeders through direct digital sales and an agent network.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA), Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAKAH), General Liability Insurance (FSAJAKAD), Umbrella & Excess Liability Insurance (FSAJAKAK)

Keywords

• Pet insurance
• Veterinary insurance
• Animal health coverage
• Horse insurance
• Companion animal insurance

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet Insurance Premiums: Agria generates revenue through insurance premiums paid by pet owners for veterinary insurance, life insurance, and supplementary coverage for dogs, cats, horses, and small animals. Premiums are recurring (annual or payment plans) and the company offers multiple coverage tiers to suit different customer needs and budgets.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Agria Dyreforsikring provides pet and animal insurance products to Norwegian consumers, covering dogs, cats, horses, and small animals. Its core offerings are veterinary insurance (covering examination, treatment, and medication for illness and injury) and life insurance (covering death, euthanasia, disappearance), each offered in multiple tiers (Premium, Medium, Minimum, plus racing horse variants). Supplementary products include breeding usability insurance, pregnancy/foal insurance, rehabilitation therapy add-ons, and hidden-defect coverage.

Product overview

Agria Dyreforsikring is a pet and animal insurance company offering a portfolio of insurance products for dogs, cats, horses, and small animals. The core offering consists of veterinary insurance (Veterinærforsikring) and life insurance (Livsforsikring), each available in multiple tiers (Premium, Medium, Minimum, and racing horse variants). These are complemented by add-on modules including Agria Avl Bruksverdi (breeding usability), Agria Foster- og Føllforsikring (pregnancy/foal), Agria Pluss (rehabilitation therapies), and Agria Ekstra (hidden defects). Customers access and manage their policies through the Mitt Agria digital portal, including the direct claims settlement feature (Direkte skadeoppgjør), while the Agria App (Agria Vet Guide) provides 24/7 veterinary advice. The company also publishes Agria Breed Profiles — breed-specific health and claim statistics derived from its claims database — and supports animal health research through the Agria and SKK Research Fund.

Differentiator

Problem solved

Functional benefit

Brands

• Agria Breeders Club: A community and loyalty program for animal breeders affiliated with Agria.
• Agria Vet Guide
• Agria Naturbane
• Agria SKK Forskningsfond
• Agria og SKK Forskningsfond

Products and services

• Veterinary Insurance (Veterinærforsikring)

Quantifiable outcome

• Direct claims settlement completed in approximately 20 minutes at most clinics
• +1 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

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

• SKK (Svenska Kennelklubben)coreStrategic or Co-development PartnerAgria and SKK have a joint research fund supporting veterinary medical research on companion animals. The fund prioritizes projects with practical benefits, contribute to increased animal welfare, or provide increased understanding of animals' importance for humans and society.
• Stiftelsen Hästforskning (Horse Research Foundation)coreStrategic or Co-development PartnerAgria participates in Stiftelsen Hästforskning, established by Hästnäringens Nationella Stiftelse in cooperation with AB Trav och Galopp (ATG) and Stiftelsen Lantbruksforskning. The foundation funds horse health research in Sweden and Norway.
• Norges Rytterforbund (Norwegian Equestrian Federation)minorStrategic or Co-development PartnerCollaboration on the #stopphalthet (stop lameness) awareness campaign to increase knowledge about lameness prevention. Joint initiative with horse veterinarian Lars Olaf Moen, farrier Aksel Vibe, and profile riders.
• Henrik von EckermannflagshipGTM or Marketing PartnerWorld's best show jumper becomes Agria's first international profile rider. Long-term collaboration 2024-2026. Henrik will contribute horse knowledge and help increase awareness about horse health across Agria's markets in Europe.
• FNs globale bærekraftsmål (UN Global Sustainable Development Goals)minorOthersAgria supports UN Global Sustainable Development Goals including Goal 3 (Good Health), Goal 8 (Decent Work), Goal 10 (Reduced Inequalities), Goal 12 (Responsible Consumption), Goal 13 (Climate Action), Goal 16 (Peace and Justice), and Goal 17 (Partnerships).
• PSI (Principles for Sustainable Insurance)minorOthersIn December 2016, LF Sak (Länsförsäkringar Sak), as the first Swedish insurance company, signed the UN Principles for Sustainable Insurance. Agria participates in work to review insurance terms from a sustainability perspective.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Storebrand: Norwegian financial group offering insurance and pension products with some pet coverage. Comparable as another domestic multi-line competitor with broad distribution in Norway competing for the same customer wallets.
• If P&C Insurance: Leading Nordic multi-line insurer with pet insurance products across the region. Directly comparable as a competing pet insurance provider operating across Norway and other Nordic markets Agria serves.
• Folksam: Swedish mutual insurer offering pet insurance alongside life and P&C products. Comparable because it competes with the Agria brand in the Swedish market and is part of the broader Nordic competitive set.
• Tryg Forsikring: Major Nordic general insurer offering pet insurance as part of its P&C suite. Comparable to Agria as a regional multi-line competitor with similar distribution via direct and broker channels in Norway.
• Gjensidige Forsikring: Norway's largest general insurer offering pet insurance as part of a broad P&C portfolio. Comparable because it competes with Agria in the Norwegian pet insurance market with bundled distribution and scale advantages.

Direct peers

• Petplan: UK pet insurance specialist offering dog, cat, and horse cover. Comparable as a dedicated pet insurance competitor in one of Agria's six operating geographies with similar product scope across species.
• Agria Djurförsäkring (Sweden): Swedish sister operation and founding entity of the Agria brand (since 1938). Comparable as the source Agria entity sharing products, brand, research foundation, and direct-settlement technology with the Norwegian subsidiary.
• Many Pets: UK-focused pet insurance specialist with direct-to-consumer digital distribution. Comparable as a digital-first pet insurance pure-play operating in one of Agria's six markets, sharing similar target customers and product focus.

Emerging players

• Trupanion: North American pet insurance specialist with direct vet-clinic billing model similar to Agria's Direkte skadeoppgjør. Comparable because of the shared direct-settlement-with-clinics approach and focus on veterinary cost coverage.
• Dyrekassen: Norwegian pet insurance specialist offering dog and cat coverage with digital distribution. Comparable as a direct-to-consumer pet insurance competitor focused exclusively on the Norwegian market Agria serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/share
• YouTubeyoutube.com/user/AgriaDyreforsikring
• Facebookfacebook.com/sharer/sharer.php?u=http%3a%2f%2fwww.agria.no%2f
• LinkedInlinkedin.com/shareArticle

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Agria Dyreforsikring