Pet Insurance in the UAE for Dogs & Cats
Fast, affordable pet insurance for dogs and cats in Dubai, Abu Dhabi and across the UAE. Cover vet bills, surgery and long-term illness, and buy online in minutes.
What Is Pet Insurance?
Pet insurance pays for your dog’s or cat’s vet bills when they get sick or injured.
Instead of paying thousands of dirhams for surgery, scans or cancer treatment, you pay a fixed premium and your policy covers the rest, after your deductible and co-insurance.
What Does Pet Insurance Cover in the UAE?
Exam & Consultation Fees
Vet examination and consultation fees for a covered illness or injury are paid – some insurers don’t pay these.
Emergency & Hospitalisation
Emergency treatment and overnight stays at the vet clinic when your pet needs urgent care.
Surgeries
Surgery for covered accidents and illnesses, including anaesthesia and aftercare.
Hereditary & Congenital Conditions
Conditions your pet was born with or inherited through its breed.
Chronic Conditions
Long-term illnesses such as diabetes, allergies or kidney disease.
Cancer Treatment
Diagnosis and treatment of cancer, including surgery and chemotherapy.
Veterinary Specialists
Treatment by specialist vets, such as cardiologists, dermatologists or orthopaedic surgeons.
Imaging
Diagnostic imaging such as X-rays, ultrasounds, CT and MRI scans.
Knee Conditions
Cruciate ligament injuries and other knee problems, common in active dogs.
Prosthetics & Orthopaedics
Orthopaedic treatment and devices such as braces or prosthetic limbs.
Hip Dysplasia
Treatment for hip dysplasia, a common condition in larger dog breeds.
Prescriptions
Medicines prescribed by your vet to treat a covered condition.
What’s Not Covered by Pet Insurance
Pre-existing conditions
Routine and preventive care (vaccinations, check-ups, dental cleaning)
Cosmetic or elective procedures
Breeding and pregnancy costs
Treatment during the waiting period
Who Can Get Pet Insurance? Age, Breed & Microchip Rules
You can insure dogs and cats living in the UAE.
Your dog must be less than 8 years old, while the cat must be less than 10 years old when the policy starts, and microchipped and registered with your local municipality.
How Pet Insurance Works: Waiting Periods, Deductible & Co-insurance
Vet Exam Fees
Believe it or not, some insurers won’t pay your vet examination fee related to a covered illness or injury.
Waiting Periods
That’s the time between signing up and full cover starting. It lasts 14 days for illnesses but only 5 days for accidents, because we know things happen!
Annual Deductible
This is the fixed portion of the vet bill which the pet parent is responsible for. Some companies require you to pay a deductible for each new injury or illness that occurs. They call it “per condition”, we call it “not cool!”
Co-insurance
This may sound confusing. Co-insurance is the portion of the vet bill which the pet parent will be responsible for vs. what the pet insurance will pay.
How to Buy Pet Insurance Online in 3 Steps
Tell us about your pet
Species, breed, age and gender.
Choose your plan
Pick the limit, deductible and co-insurance that suit you.
Pay and get covered
Pay securely online and receive your policy by email.
How to Make a Pet Insurance Claim
Pay your vet as usual, then submit your claim online with the vet’s invoice and medical report.
Once your claim is approved, the money is transferred to your bank account.
Pet Insurance FAQs
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Pet Insurance Plans & Prices in the UAE
Choose the plan that fits your pet and your budget. Each plan gives a different annual limit, and you can adjust your deductible and co-insurance to change your premium.