Pet insurance: how to read public product information
A neutral guide to reading sums insured, deductibles, coverage and exclusions, without rankings or personal advice.
19 June 2026 · Updated 1 August 2026 · 8 min read
Who made this guide?: Dyrli editorial desk. We show what we checked and when.
Pet insurance can be described through public product facts. Dyrli does not rank insurers, recommend a product or coverage level, or assess an individual pet owner's needs.
This article shows how information can be read from a named product page and a named set of terms. The shared product information on Tryg's product page applies, as presented there, to both Tryg Hund Ekstra and Hund Behandling. Product-specific figures and coverage in the example are taken only from terms PLB52003 for Hund Ekstra. The article does not establish what Hund Behandling or other products cover beyond the shared product-page statement, and was checked against the sources on 1 August 2026.
Three facts from the named terms
1 July 2025
Effective date stated in terms PLB52003
NOK 2,500
Deductible for dental and gum coverage per illness or accidental injury
NOK 30,000
Maximum compensation for this coverage per policy year
The figures above come from Tryg's terms PLB52003, which state that the document is effective from 1 July 2025. They apply to the described coverage under these terms, not to pet insurance in general.
Product name and document date
Start with the exact product name and document date. In this example, the additional coverage is named Hund Ekstra, and the terms number is PLB52003.
Tryg's product page describes both Hund Ekstra and Hund Behandling. The page also says that its presentation is an extract and links to the full terms and product summary. The shared product-page statement may apply to both products as presented there, while product-specific figures and coverage must be tied to the relevant terms.
Build the comparison from the source outwards
A comparison becomes misleading if it starts with a finished template and forces different documents into the same words. Start with one source at a time:
- Identify the insurer, product and any optional coverage.
- Record the document type, document number, effective date and check date.
- Copy the specific fact without broadening its meaning.
- Link each amount to the correct event, period and product.
- Link exclusions and conditions to the same row.
- Use “not documented in this source” when the source does not answer.
“Not documented” does not mean “not covered”. It means only that the selected public source did not support the statement. This distinction prevents missing information from being presented as a product exclusion.
A neutral source record
| Field | Example of what to record |
|---|---|
| Insurer | Name used in the source |
| Product | Exact product name, without an invented abbreviation |
| Document | Product page, product information document, terms or policy schedule |
| Version | Terms number and date, if stated |
| Fact | The limited statement actually supported by the source |
| Scope | Event, period, monetary limit and any conditions |
| Source check | Direct URL and the date when the page or document was checked |
The policy schedule is individual and must not be published in a public comparison. The policyholder uses it to check the specific contract.
Read coverage and limits together
Tryg's product page states for both Hund Ekstra and Hund Behandling that veterinary expenses may be covered up to the selected sum insured, subject to a limit per illness or accidental injury and per policy year.
The named Hund Ekstra terms state separate limits for specific sections. For dental and gum coverage, they state NOK 30,000 per illness or accidental injury and a maximum of NOK 30,000 per policy year. The same section states a deductible of NOK 2,500 per illness or accidental injury.
This shows which fields a factual summary must keep separate:
| Field | What must be stated explicitly |
|---|---|
| Product | Exact product and coverage name |
| Limit | Amount and whether it applies per event, year or both |
| Deductible | Amount and what triggers a new deductible |
| Validity | Terms number and date |
| Source | Direct link to the insurer's product information or terms |
Compare only matching fields
A policy limit per policy year cannot be placed directly against a sub-limit per illness as though they measured the same thing. A fixed deductible also cannot be compared with a combined fixed and percentage deductible unless both parts are shown.
Use separate columns for:
- main limit and policy period
- sub-limit and what it applies to
- fixed deductible and its applicable period
- percentage deductible and calculation basis
- waiting period and the events to which it applies
- express coverage statements
- express exclusions or restrictions
- document version and check date
If two products use different definitions, show those definitions or mark the field as not directly comparable. Do not create a shared score. A score would require Dyrli to decide which features matter most, which is a needs assessment this article does not make.
Coverage and exclusions belong in the same row
A coverage statement should not appear without the conditions and limitations applying to the same point. Write “stated as covered within X, subject to Y” rather than placing a green tick in an isolated table.
The same rule applies to words such as “unlimited”, “lifetime” or “all”. Use them only if the primary source uses them for the exact field, and reproduce the qualification printed alongside them.
One source-limited coverage extract
This overview reproduces only what the two Tryg sources say about the named products. “Stated as covered” does not mean that Dyrli has assessed the coverage as suitable for anyone.
- Veterinary examination and treatment after illness or accidental injuryStated as coveredShared statement on Tryg's product page for both Hund Ekstra and Hund Behandling
- Prescription medicinesStated as coveredShared statement on Tryg's product page for both products, within the selected sum insured
- Rehabilitation prescribed by a veterinarianStated as coveredStated in terms PLB52003, with separate conditions and a monetary limit
- Dental and gum diseasesStated as coveredStated for Hund Ekstra in terms PLB52003, subject to limitations
- Illness, injury, defect or weakness present when coverage beganStated as excludedExcluded by terms PLB52003
- Expenses incurred after the insurance endsStated as excludedExcluded by terms PLB52003
Deductibles without declaring a winner
The deductible must be read together with the definition of one event or deductible period. Two models may produce different outcomes across different invoice histories. Dyrli can describe the model but must not calculate which model is preferable for a particular owner.
A factual row can contain:
| Part | Neutral description |
|---|---|
| Fixed part | Stated amount and when a new fixed part applies |
| Percentage part | Stated rate and the amount against which it is calculated |
| Period | Start and end of the deductible period, if the source states it |
| Exceptions | Coverage sections with a different deductible or calculation |
| Source | Terms number, clause and effective date |
Do not use an invented treatment history to declare one model preferable. That would be a personal calculation based on assumed injuries and treatments.
Keep facts current
A product page can change without keeping the old wording visible. Terms can receive a new number or effective date. Each published fact should therefore have a source, document version, check date and clear status when it is no longer verified.
When updating:
- Retrieve the primary source again.
- Check the product name and effective date.
- Compare every field with the previous version.
- Publish only the change supported by the source.
- Retain the history internally so the change can be audited.
A new product page is not automatically evidence that older contracts received the same terms. Keep historical and current documents separate.
How to check a public statement
A neutral fact check can follow this sequence:
- Record the product name, terms number and date.
- Copy the statement describing what is included.
- Record the limit with its correct period or event.
- Record the deductible with the same precision.
- Read the exclusions and conditions for the same coverage.
- State the check date and link directly to the primary source.
The result is a dated extract of public product information. It is not a ranking, a quote or an assessment of which insurance anyone should have.
Questions a factual page should answer
- Which product does the statement cover?
- Which document and version support it?
- When was the source checked?
- Does the amount apply per event, period or policy year?
- Is it a main limit, sub-limit or deductible?
- Which express conditions or exclusions appear with the same coverage point?
- Is the field documented, not documented or not directly comparable?
If one answer is missing, the presentation should show that gap instead of filling it with an assumption.
What we checked
These guides provide general information. They do not replace advice from a veterinarian or an insurance company. We flag anything that needs a closer check.
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