How Agria’s horse insurance works in practice: the difference between Häst Extra and Enkel Veterinärvård, sums insured, excess, life and loss of use – with links to Agria’s site and policy wording.
Agria is a specialist animal insurer in the Länsförsäkringar group. For a riding horse, the two clearest veterinary choices are Häst Extra (the most comprehensive) and Enkel (narrower and cheaper). We walk through the products from Agria’s own information – so you can see what actually differs before you compare with other insurers.
Start here if you want the primary source. The wording is what applies at a claim – this guide is a plain-language overview.
Agria has several horse products depending on use (riding, trotting/racing, breeding, herd). For most riding horses, the choice between Häst Extra Veterinärvård and Enkel Veterinärvård is what decides how wide the cover becomes.
| Part | Häst Extra Veterinärvård | Enkel Veterinärvård |
|---|---|---|
| Focus | Most comprehensive riding-horse cover – illness and injury, including major surgery and rehab | Limited cover at a lower premium |
| Sum insured | 40 000 / 80 000 / 120 000 / 160 000 kr per year | 40 000 / 80 000 / 120 000 kr per year |
| What is covered (core) | Broad veterinary care for illness/injury, as set out in the wording | Traumatic fractures/fissures, acute wounds from external trauma, and colic only |
| Rehab & medication | Included up to the chosen sum (including prescriptions collected at a pharmacy) | Medication linked to a payable diagnosis; not the same broad rehab cover |
| Vet travel | Up to 1 500 kr per treatment visit | Up to 1 500 kr per treatment visit |
| Animal ambulance | Yes, when medically necessary | Yes, when medically necessary |
| Euthanasia/disposal | Up to 6 000 kr | Up to 6 000 kr |
| Therapeutic shoeing / farriery | For certain injuries and illnesses | As per the Enkel wording (limited) |
| Advice | Round-the-clock medical advice + digital health check (once a year) | Depends on the product – Extra is the package where 24/7 advice is clearly highlighted |
| Foal of an insured mare | The first 30 days, up to 40 000 kr | See the wording |
| Rule | According to Agria |
|---|---|
| Fixed excess | 1 950 / 3 600 / 6 000 kr |
| Percentage excess | 25 % |
| Excess period (Extra) | 135 days or one policy year – you choose; the fixed excess is paid once per period |
| Waiting period | 20 days on a new policy (foals: 8 days). A waiting period also applies when you increase cover |
| No waiting period (among others) | Acute colic, shipping fever, pleurisy, fracture/wound from sudden external trauma, traffic/fire/drowning |
During the excess period you pay the fixed excess only once, even if the horse needs several visits. The percentage part is paid on every cost that exceeds the fixed amount.
Agria offers life and loss-of-use cover tailored to use (riding, breeding and so on). It can pay if the horse dies or has to be euthanised, goes missing/is stolen, or loses its usefulness. There is also limited life cover that mainly pays on death.
Agria suits you if you want an established horse range, the option of a high veterinary ceiling (up to 160 000 kr in Extra), 24/7 advice and a flexible excess period. If you already have home or farm insurance with Länsförsäkringar you can often get a multi-policy discount. Always compare premium and exclusions with other insurers.
If you buy a horse already insured with Agria: take out the same type of cover on the day the seller’s policy ends – then yours is free of waiting period, according to Agria. Have the seller’s policy number to hand. If you need to cut the premium: lower the sum or raise the excess, or move Extra→Enkel only if you understand the gaps. Never create a break in cover.
Extra is the most comprehensive riding-horse veterinary cover, with sums up to 160 000 kr, rehab, medication and advice. Enkel pays only for traumatic fractures/fissures, acute wounds from external trauma and colic, with sums up to 120 000 kr.
A fixed excess of 1 950, 3 600 or 6 000 kronor plus 25 % variable. In Extra you can choose an excess period of 135 days or one policy year. The fixed excess is paid once per period.
Yes, veterinary cover can be taken out with no upper age limit. Life cover can be taken out up to and including the year the horse turns 15.
Hidden defects are included if the horse is insured under Häst Extra or Ridhäst Veterinärvård, and Ridhäst Liv och Användbarhet, before 30 days of age. See the wording for details.
On Agria’s terms page for horse insurance: https://www.agria.se/dokument/villkor/hast/hastforsakring/
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