Agria Eläinvakuutus

What Agria Eläinvakuutus does

Agria Eläinvakuutus is the Finnish operating branch of Försäkringsaktiebolaget Agria (publ), a Swedish specialist pet insurer wholly owned by Länsförsäkringar AB and operating within the Länsförsäkringar Alliance. The company sells dog and cat insurance, and to a lesser extent coverage for small pets, directly to Finnish consumers, breeders, and through veterinary clinic partners. It traces its institutional roots to the Agria research fund established in 1938 and operates in Finland as a branch of the Swedish parent, with no separate Finnish listing or external shareholders.

The product portfolio centers on Eläinlääkärikuluvakuutus veterinary expense insurance in standard and Plus tiers, the Agria Pentu Henki puppy life policy, and Kasvattajavakuutus breeder insurance. Its technology stack is built around three interconnected components: the Minun Agria customer portal for policy management and claims, the Agria mobile application offering free veterinary consultation daily from 7:00-24:00, and the Suorakorvauspalvelu direct settlement system integrated with over 150 partner veterinary clinics across Finland, where claims decisions and compensation are processed at the clinic counter during weekday business hours.

Agria generates revenue through recurring insurance premiums billed annually, semi-annually, or quarterly, with pricing personalized by breed, pet age, location, coverage level, and maximum compensation. Distribution combines field insurance representatives, phone and email customer service, the self-service portal, and breeder referrals. The company maintains flagship partnerships with the Finnish Kennel Club and Finnish Cat Association (each offering 10% member discounts) and co-funds the joint Agria-SKK research fund, which distributes approximately 800,000-900,000 EUR annually to veterinary research. A wholly-owned subsidiary, Agria Vet Guide, provides complementary veterinary guidance services within the Länsförsäkringar Alliance.

Name

Agria Eläinvakuutus

Legal name

Försäkringsaktiebolaget Agria (publ), filial i Finland

Website

https://agria.fi

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

11–50 employees

Short description

Agria Eläinvakuutus is the Finnish branch of Swedish pet insurer Försäkringsaktiebolaget Agria, wholly owned by Länsförsäkringar AB. It sells dog and cat insurance to Finnish pet owners through direct sales, breeder networks, and over 150 partner veterinary clinics offering direct claims settlement.

Ownership category

akta.pro rank

Product category

Pet Insurance

SIC

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

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industry

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)

Keywords

• Pet insurance
• Animal insurance
• Veterinary expense coverage
• Dog insurance
• Cat 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 charged to policyholders for pet insurance coverage. Premiums are calculated based on breed, pet age, location, selected coverage level, and maximum compensation amount. Billing options include annual, semi-annual, or quarterly cycles.
2. Research Fund Contributions: A portion of Agria's insurance premium revenue is allocated to a research fund that supports veterinary medical research, distributing approximately 800,000-900,000 EUR annually to research projects promoting pet health and welfare.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Agria Eläinvakuutus underwrites and sells pet insurance products in Finland for dogs, cats, and small animals, including veterinary expense insurance (Eläinlääkärikuluvakuutus and the higher-tier Plus version), puppy life insurance (Agria Pentu Henki), and breeder insurance (Kasvattajavakuutus). Policies are supported by a direct settlement (suorakorvaus) service at over 150 veterinary clinics, an online customer portal (Minun Agria), a mobile application with free 7-24 veterinary consultation, and a research fund financing veterinary medical studies.

Product overview

Agria Eläinvakuutus offers a comprehensive pet insurance portfolio covering dogs, cats, and small animals. The core products include Eläinlääkärikuluvakuutus (veterinary expense insurance) available in standard and Plus tiers, along with specialized offerings like Agria Pentu Henki (puppy life insurance) and Kasvattajavakuutus (breeder insurance). Digital services include the Minun Agria customer portal, the Agria mobile application with integrated veterinary consultation (available 7-24 daily), and direct claims settlement at over 150 partner clinics across Finland. Additional offerings include the Agria Breeders Club and AgriaShop for pet-related products. Pricing is influenced by animal species, breed, age, and compensation costs, with discounts available for members, breeders, groups, and puppies under 4 months.

Differentiator

Problem solved

Functional benefit

Brands

• Agria Vet Guide: Veterinary guidance and information service for pet owners, operating as a subsidiary within the Länsförsäkringar Alliance.

Products and services

• Eläinlääkärikuluvakuutus Plus Premium veterinary expense insurance for dogs and cats with higher compensation limits. Includes a per-visit deductible of 50 EUR plus 25% of remaining costs, with 25% deductible on rehabilitation and medicine purchases. Targets pet owners seeking higher coverage ceilings for veterinary visits, treatments, surgeries, medications, and rehabilitation.
• Eläinlääkärikuluvakuutus Standard veterinary expense insurance covering veterinary costs for dogs and cats, including a 25% deductible on medicine and supply purchases. Targets individual pet owners seeking baseline coverage for veterinary visits, treatments, and medications.
• Agria Pentu Henki Puppy life insurance covering mortality of puppies due to illness or accident during the insurance period. Claims typically require a veterinary statement and, in most cases, a necropsy. Targeted at breeders and owners of puppies under 4 months of age.
• Kasvattajavakuutus Breeder insurance covering mother's veterinary treatment costs (25% deductible) and litter treatment costs (25% deductible), with no deductible on hidden defects. Designed for professional and hobby breeders managing multiple breeding animals and litters.
• Agria-sovellus (Agria Mobile Application) Mobile application providing policyholders free remote veterinary consultation 7:00-24:00 daily, supporting assessment of minor illnesses and treatment urgency without affecting insurance coverage limits. Includes access to Minun Agria portal functions on mobile.
• Agria Vet Guide Veterinary guidance and information service for pet owners, offered as a wholly-owned subsidiary within the Länsförsäkringar Alliance. Provides pet health information resources integrated with Agria's insurance offerings.

Quantifiable outcome

• Over 150 partner clinics across Finland for direct settlement
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Suomen Kennelliitto (Finnish Kennel Club)flagshipGTM or Marketing PartnerPartnership offering 10% member discount on pet insurance for Finnish Kennel Club members. Agria also funds research through the joint Agria-SKK research fund established in 1938.
• Suomen Kissaliitto (Finnish Cat Association)flagshipGTM or Marketing PartnerPartnership offering 10% member discount on pet insurance for Finnish Cat Association members.
• Over 150 Veterinary Clinics (Direct Settlement Network)coreTechnology or IntegrationNetwork of over 150 veterinary clinics across Finland providing direct settlement service. At these clinics, customers receive claims decisions and compensation directly at the checkout, with Agria paying the clinic directly. Service available weekdays 8:00-17:30.
• SKK (Ruotsin Kennelliitto / Swedish Kennel Club)flagshipStrategic or Co-development PartnerJoint research fund established in 1938 supporting veterinary medical research. The Agria and SKK research fund distributes approximately 800,000-900,000 EUR annually to research projects promoting pet health and welfare.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Embrace Pet Insurance: US pet insurance carrier offering accident/illness coverage with wellness add-ons. Comparable to Agria in product structure, claims technology focus, and integration with veterinary practices.
• Trupanion: US-listed pet insurance company pioneering direct-to-vet clinic settlement. Highly comparable business model and technology approach to Agria's suorakorvaus service, though operating in North America at larger scale.
• If Vakuutus: Nordic non-life insurer active in Finland offering pet insurance products. Competes with Agria in Finnish pet insurance with similar direct-settlement ambitions and Nordic reinsurance backing.
• Sveland Djurförsäkring: Swedish pet insurance specialist operating in the Nordic market. Comparable to Agria as a focused pet-only insurer competing in the broader Länsförsäkringar group's home region with similar direct-settlement-style clinic models.
• LähiTapiola: Finnish mutual insurance group offering pet insurance alongside broader P&C and life products. Directly competes with Agria in the Finnish pet insurance market with similar veterinary expense coverage and clinic partnerships.
• Pets Best Insurance: US pet insurance provider with strong veterinary partnership channel. Comparable to Agria in clinic-integrated distribution and direct claim settlement capabilities.
• Petplan: Established UK/US pet insurance specialist covering accident, illness, and wellness. Comparable as a multi-decade pet insurance specialist with strong veterinary network and direct claims experience.
• Folksam Djurförsäkring: Swedish mutual insurer offering pet insurance with strong brand positioning in the Nordics. Closely comparable as another Nordic-rooted pet insurance specialist with mutual governance and active veterinary research support.
• OP Vakuutus: Finnish financial conglomerate selling pet insurance to its banking and insurance customer base. Competes head-to-head with Agria in Finland with bundled discounts and broad distribution through OP cooperative members.

Emerging players

• Lemonade Pet Insurance: US digital-first insurer that expanded into pet insurance. Comparable as a tech-led insurance entrant with mobile-first UX, though broader in product scope than Agria's pet-only focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/agria
• Facebookfacebook.com/agria.fi
• Instagraminstagram.com/agriasuomi

Revenue estimate

Valuation estimate

Number of profiles

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 Eläinvakuutus