Pet Insurance in Dubai
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What is Pet Insurance?
Pet Insurance in Dubai is a type of insurance policy that covers the expenses and losses that pet owners may suffer. The cover is primarily for pet dogs and cats for risks such as health issues, preventive care, and third-party claims. A comprehensive pet insurance plan provides peace of mind to pet owners by covering several unforeseen expenses at a nominal premium.
Why It’s Important to Buy Pet Insurance?
Pets are likely to fall ill or get injured repeatedly. Pet Insurance covers the high costs of veterinary treatment that you may otherwise need to pay out of your pocket. Besides medical expenses, pet insurance also covers the theft or loss of a pet and potential third-party claims if your pet causes any injury or damage to others.
Raising a pet is expensive considering the expenses of food, grooming, accessories, medicines, and protection. Pet insurance alleviates your burden and prevents you from dipping into your savings to meet any unexpected expenses related to your pets.
Types of Pet Insurance in Dubai
Dog Insurance: Buying insurance for dogs enables you to get optimal coverage based on your dog’s breed and age. Insurers in the UAE offer tailored coverage with flexible payment options to cover any emergency
Cat Insurance: Pet insurance covers the financial and emotional costs of raising one or more cats. Pet insurance for cats can be customized to suit your pet’s age and breed profile
Multi-Pet Insurance: Pet owners raising both dogs and cats can benefit from this comprehensive insurance plan by covering all their pets under a single policy. Multi-pet insurance offers good value for money by reducing the pet insurance cost. It eliminates the need to purchase multiple policies and pay multiple premiums
Eligibility Criteria to Get Pet Insurance in the UAE
The pet owner must be a citizen or a resident of the UAE with a valid Emirates ID
The pet’s minimum age must be eight weeks and its maximum age must be ten years. The existing insurance coverage shall cease to operate when the pet turns eleven years
A pet must undergo mandatory vaccinations and annual dental checkups. It is also essential for a pet to be micro-chipped before buying pet insurance
What is Covered Under Pet Insurance?
- Medical Treatment: : This includes the expenses of lab testing, consultations, surgical procedures, medicines, special diet, and emergency care
- Preventive Care : Pet medical insurance also covers the cost of mandatory vaccinations and routine checkups
- Death Benefits : Any Certain veterinary insurance policies pay a fixed sum to a pet owner upon the death of the pet
- Reward & Advertisement Costs : This covers the expenses of finding a pet that gets lost or stolen
- Third-Party Liabilities : Pet insurance offers compensation for the loss or damage caused by your pet to third persons or their properties. The upper limit for this payout is AED 100,000
What is Not Covered Under Pet Insurance?
- Pre-existing Condition : Any injury or illness that exists at the time of purchasing a pet health insurance plan
- Waiting Period Claims : Any claim made by the policyholder during the first month after purchasing the policy
- Self-Medication : Any medicine or special food items provided to the pet without a qualified veterinary doctor’s advice
- Special Equipment : This includes items such as prosthetics, orthotics, kennels, collars, and any other fancy object
- Excess Claims : Any claim submitted by the policyholder after the maximum allowed period shall be rejected by the insurer
- Death benefits are typically not payable if the pet dies due to breeding or pregnancy issues
- Pet healthcare insurance : covers the cost of routine medical checkups only up to specified limits
How the Pet Insurance Plays the Role in Veterinary Care and Treatment?
Pets often require special care and diet after recovering from a major illness or injury. Pet insurance covers these expenses and ensures a speedy recovery for your pets. Further, pet insurance that covers vaccines can help prevent the onset of diseases/infections and strengthen your pet’s immunity.
Advantages and Benefits of Pet Insurance
Extensive Coverage :
Pet insurance covers medical expenses, care & grooming costs, and third-party claims that may arise due to your pets
Instant Healthcare Access :
In the event of a medical emergency, pet owners with animal health insurance can avail of the best healthcare facilities for their pets without bothering about the veterinary bill
Avoids Out-of-Pocket Expenses :
Pet owners need not dip into their savings or borrow money at usurious rates to fund their pets’ medical treatment
Flexibility :
Insurers offer tailor-made plans with flexible payment options to suit the budgets and requirements of all pet owners
Mental Peace :
Pet insurance relieves the financial burden of pet owners by enabling them to provide the best pet care at a nominal cost
Tips to Save Money on Pet Insurance
The earlier you insure your pet, the better. The premiums are relatively lower when the animal is young, fit, and healthy. You can insure a pet after eight weeks of age
Cats and dogs of fine pedigree are high on maintenance and more vulnerable to diseases and infections. Insurers often charge higher premiums for such breeds. Take up such pets only if you can afford their higher care and maintenance costs
Neutering your pet can prevent its pregnancy and enable you to pay a lower premium
For pet owners with two or more pets, a multi-pet insurance policy prevents the need to purchase several policies and pay premiums on each of them. Insurers also offer attractive discounts on multi-pet insurance policies
How to Buy Pet Insurance in Dubai?
Step 1 : Visit the official website of Prominent Insurance Brokers. Enter your details in the pet insurance quote form
Step 2 : Once you provide all the required details in this form, click on the ‘Submit’ button
Step 3 : One of our executives will soon get in touch with you. You will be guided by our team of experts to buy the right pet insurance plan. You can make the payment online.
You can also click on the Whatsapp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.
How to Claim Pet Insurance in Dubai?
Duly filled claim form
A medical report by a registered veterinary doctor with details of diagnosis and treatment
Invoices for the veterinary doctor’s consultation, diagnostic procedures, and purchase of medicines
Medical prescription signed by a registered veterinary doctor
Note :
Every document submitted must contain the pet’s unique identification number provided to the insurer while purchasing the policy
Pet insurance claims are typically settled on a reimbursement basis. Bills are paid in full by the pet owners and later submitted to the insurer to recover their expenses
Frequently Asked Questions about Pet Insurance
No. Pre-existing health conditions are not covered by pet insurance. However, you can purchase pet insurance to cover new medical conditions and injuries that may occur after purchasing the policy.
The cost of pet insurance depends on the type of animal (cat or dog), the pet’s age and breed, and the extent of coverage. The pet insurance premium in Dubai starts at around AED 90 per month (for cats) and AED 120 (for dogs).
Yes. Pet insurance usually covers the cost of mandatory vaccinations up to specified limits. You can purchase an add-on policy if the basic plan does not cover vaccination.
Veterinary insurance in the UAE covers only two types of pets i.e. cats and dogs.
