How Sveland’s horse insurance works in practice: the difference between Sveland Hästförsäkring, Begränsad and Begränsad Mini, sums, excess, add-ons, life/loss of use and Fosterförsäkring – with links to Sveland and terms from 2026-05-01.
Sveland Djurförsäkringar is a customer-owned insurer focused on animals. For horses there are three clear veterinary-care levels: the broad Sveland Hästförsäkring, Begränsad (accident plus a listed set of illnesses) and Begränsad Mini (a short list). This guide walks through the products from Sveland’s own pages and the special terms dated 2026-05-01.
Start here if you want the primary source. The wording is what applies at a claim – this guide is a plain-language overview.
The sums and excess are the same across all three, but the cover is very different. It is easy to assume Begränsad is simply a bit cheaper – in practice it is a diagnosis list, in the same family as Dunstan’s Special or Agria’s Enkel, but with Sveland’s own list.
| Part | Sveland Hästförsäkring | Begränsad | Begränsad Mini |
|---|---|---|---|
| Focus | Broad: illness and accident as set out in the terms | Accident + a long list of named illnesses | A short list of named injuries/illnesses |
| Lameness / movement | Yes, under the terms (e.g. diagnostic nerve blocks required for joint/tendon sheath/bursa) | Not as ordinary lameness – only if it is an accident or on the list (e.g. OC subject to terms) | In principle only fracture/fissure and wounds – not an ordinary lameness work-up |
| Cover examples | Examination, treatment and care for illness/injury; dental fracture, EOTRH, apical abscess; therapeutic shoeing for certain diagnoses | Colic, laminitis, gastrointestinal, respiratory, hoof disease, EOTRH, OC (terms), and more – see the full list in the wording | Colic, wounds, fracture/fissure, laminitis, PPID/Cushing, grass sickness, foaling complications, acute anaplasmosis, vaccination complications |
| Veterinary sum insured | 50 / 100 / 150 000 kr per year | 50 / 100 / 150 000 kr per year | 50 / 100 / 150 000 kr per year |
| Medicine / rehab | Optional add-ons (5 000 / 10 000 kr) | Optional add-ons | Optional add-ons |
| Personolycksfall Horse | Included | Included | Included |
| New veterinary-care policies | No upper age limit | No upper age limit | No upper age limit |
| Rule | According to Sveland |
|---|---|
| Fixed excess | 2 900 or 4 900 kr |
| Percentage excess | 20 % |
| Excess period | 180 days from the first veterinary visit – the fixed excess once per period |
| Maximum veterinary sum insured | 50 000 / 100 000 / 150 000 kr per policy year (the level is kept for life if the policy is maintained) |
| Waiting period | 20 days for illness (foals under 30 days: 5 days). Also applies when you upgrade, but only to the improved part |
| No waiting period | Accident, colic and shipping fever (Mini: colic plus wounds/fracture via accident). Also on a change of owner/insurer with equivalent cover |
| MRI / CT / scintigraphy | Up to 15 000 kr/year (on the broad product; after excess) |
| Veterinary travel | Up to 1 500 kr per policy year |
| Animal ambulance | Half the cost, maximum 5 000 kr – a separate contribution, not taken from the veterinary-care sum |
A 20 % percentage excess is lower than several competitors who sit at 25 %. The medicine and rehab add-ons carry only the 20 % percentage excess – no fixed part.
Life and loss of use are optional add-ons. Loss of use requires life cover as well – a claim can be paid under only one of them. The life sum may not exceed market value; a horse over one year old must be microchipped.
Sveland can suit you if you want a dedicated animal insurer, a 20 % percentage excess, personal-accident cover and Vårdguide in the base package – and if you want to take out veterinary care even for older horses. Compare the total premium with add-ons: medicine and rehab cost extra, unlike some competitors’ more inclusive packages.
Sveland waives the waiting period when you switch from another insurer if the cover is equivalent, and on a change of owner when the new owner takes out matching cover. Apply first, cancel afterwards – never leave a gap. If you step down from Hästförsäkring to Begränsad to save money: expect many lameness cases and illnesses off the list to fall away.
Hästförsäkring is the broad product for illness and accident. Begränsad pays for accidents plus a long list of named illnesses – but not ordinary lameness. Begränsad Mini has a short list (including colic, wounds, fracture, laminitis). All three share the same sum choices of 50/100/150 000 kr and excess of 2 900 or 4 900 kr + 20 %.
A fixed 2 900 or 4 900 kronor plus 20 % variable. The excess period is 180 days – the fixed part is paid once per period. Medicine and rehab add-ons have only the 20 % variable, no fixed excess.
No, not in the base cover. The medicine add-on goes up to 5 000 kr/year and rehab up to 10 000 kr/year. Medicine the vet uses during the visit can, however, be paid from the veterinary-care sum.
Yes. Under the terms, a new veterinary-care policy has no upper age limit. Life cover can be taken out or increased up to and including the year the horse turns 16.
Sveland Hästförsäkring includes hidden defects if the horse has been continuously insured for veterinary care, life and loss of use since 30 days of age – or has had equivalent cover with another insurer. See the terms for the detail.
Special terms for Sveland Hästförsäkring (2026-05-01): https://sveland.se/api/documents/file/260501-sarskilt-villkor---sveland-hastforsakring.pdf – other products via https://sveland.se/villkor
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