Seesam’s product portfolio now includes pet insurance offering the most extensive liability cover and highest rate of reimbursement of medical expenses on the Estonian market. Policies can even be taken out for dogs over the age of 10 and cover added for rehabilitation.

More than 70,000 cats and dogs are registered as pets in Tallinn, and the number in the country as a whole is growing every year. At the same time, stories are increasingly emerging of owners who don’t have the money to treat their animals when the pets experience health problems or are involved in accidents. Seesam’s Dagmar Gilden says that when a pet suffers unexpected trauma or is diagnosed with a serious illness, their owner is often faced with a difficult choice: whether to scrabble together the money they need as quickly as they can, or to abandon the animal’s treatment altogether. “To avoid both of these situations, it’s worth insuring your pet,” she urges. “The monthly premium acts as a buffer to help cover you when unexpected events occur.”

The highest sum insured and only rehabilitation cover on the market

If the owner opts solely to cover medical expenses, the monthly premiums for pet insurance start from just 12 euros. You can select between 1000 and 2500 euros per case, with there being no limit on the number of cases – and if an insured event occurs, you can choose the clinic and specialist that best meets your (and your pet’s) needs.

Gilden confirms that in terms of the sum insured, Seesam’s offering is the strongest in Estonia. “Pet owners have been complaining about soaring medical bills in recent years, which often means that old policies no longer offer adequate cover,” she explains. “The reality of medical prices is why we made the sum insured the highest on the market, with our main focus being to insure animals’ health.”

Seesam is also the only insurer on the local market to offer rehabilitation cover for pets, helping to reimburse the expenses incurred for procedures needed after an accident or illness. It also covers the cost of the exacerbation of a chronic disease if this requires veterinary intervention, most of the costs involved in the diagnosis and initial treatment of hereditary diseases, and the diagnosis and treatment of allergies, subject to the reimbursement limit. You can also opt for dental cover in one of three different amounts to help in the event of damage incurred in an accident or due to an unexpected illness.

“As with home insurance, we expect our policyholders to do their utmost to prevent problems from stacking up, which in this case means pet owners having their animals checked regularly,” Gilden says. “Things like tooth decay and serious gum disease tend to be preventable with proper oral care.”

Protection extends to older animals as well

Every pet owner knows that more serious health problems develop in older animals and come with ever-increasing medical bills. As such, Seesam is enabling its pet insurance policies to be extended to animals up to the age of 15, on the proviso that they have previously been insured with the company. New policies can be taken out for pets that are anywhere between 2 months and 10 years old.

“In cases where dogs demonstrate their chewing skills on someone else’s property, or damage it in any other way, you can include owner’s liability insurance in your pet’s health insurance,” Gilden adds. “We’re offering the highest rate on the market: 20,000 euros. The cover applies to a landlord’s property as well.”

On the Seesam website, you can currently choose between three packages. However, if none is quite right for you, it is worth contacting one of our consultants to come up with the best solution in terms of the sums insured and the cover you need.