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Super Easy 3 step process to get your Pet insurance

Fill out the form Complete the basic form that hardly takes 3 mins of your time.

Get Recommendation After submitting the form we will connect you to one of our Insurance advisors that would recommend you the Most affordable Insurance plan according to your needs.

Our In House experts do that task for you and it hardly takes a couple of minutes ( Depending on your needs ) for them to advise you on the best insurance that fits your needs

Compare and Buy This is the final and most easy step. Choose from the list of recommended products( Our Advisors will also help you out ) and Buy directly.

More than 750,000 cats and dogs now share homes across the Emirates, according to the UAE Ministry of Climate Change and Environment. Veterinary costs have climbed at the same pace as pet ownership—an emergency surgery for intestinal blockage can exceed AED 12,000 in Dubai. A solid pet insurance policy can convert those intimidating invoices into a small, predictable premium and a manageable co-pay


Why Pet Insurance Matters in the UAE


  • Mandatory microchipping and vaccination rules introduced by Dubai Municipality in 2018 have increased routine vet visits.

  • Imported pedigree breeds—especially French Bulldogs and Maine Coons—are prone to hereditary conditions that require costly treatment.

  • Rising rents often push families to smaller apartments, where accidental falls and toxin ingestion are common claims reported by major UAE clinics.

Without coverage, owners must pay out of pocket or delay care. A recent survey by Bayut found 38 % of UAE pet parents postponed treatment due to cost. Insurance eliminates that dilemma and delivers peace of mind.


What Does Pet Insurance Cover?


Coverage varies by insurer, but most UAE policies protect against the unexpected:


Core Category Typical Inclusions Typical Exclusions
Accident & Injury X-rays, MRI/CT, surgery, hospitalization, medications Elective cosmetic procedures
Illness Cancer therapy, diabetes management, kidney disease, hereditary & congenital issues (if not pre-existing) Illnesses during waiting period
Third-Party Liability Damage your pet causes to another person or property Incidents when local bylaws (leash/muzzle) were breached
Lost-Pet Services Advertising, reward, microchip-based recovery Owner negligence
Euthanasia & Cremation Humane euthanasia and cremation costs after vet recommendation Burial plots, memorial items

Wellness add-ons—annual check-ups, vaccinations, flea/tick prevention and dental scaling—are increasingly popular, but they raise the premium.


Types of Pet Insurance Plans Available


  1. Lifetime Cover
    Renewed annually with coverage limits resetting every policy year. Ideal for young pets with long life expectancy.


  2. Per-Condition Cover
    Sets a fixed dirham limit for each condition for the pet’s entire life; once reached, that condition is excluded.


  3. Accident-Only Cover
    Budget-friendly plan covering injuries from road traffic accidents, falls or dog-park scuffles; excludes illnesses.


  4. Comprehensive Pet Insurance
    Bundles accident, illness, liability and often routine care. Perfect for pedigree dogs and indoor cats that face both genetic and accidental risks.


For a deeper dive, see our detailed guide “ Pet Insurance – an essential thing to do for your pet.”


How Does Pet Insurance Work? (And Is It Worth It?)


  • Enrollment: Complete a short medical questionnaire and submit your pet’s vaccination record. Most providers accept cats and dogs aged eight weeks to eight years; older pets may need a recent health certificate.

  • Waiting Period: Accident benefits usually activate in 48 hours, while illness benefits may take 14–30 days.

  • Vet Visit: Pay the vet bill upfront or use direct billing at partner clinics when available.

  • Claim Submission: Upload the invoice and clinical notes via the insurer’s portal or InsuranceHub’s digital claims desk.

  • Reimbursement: Approved claims are typically settled within 10 business days via bank transfer.

Is it worth it? A comprehensive plan for a two-year-old Labrador in Abu Dhabi averages AED 1,800 per year—roughly the price of a single overnight stay at an emergency hospital. One cruciate ligament surgery costs four times that figure. For most owners, the math speaks for itself.


Understanding the Cost of Pet Insurance in the UAE


Factor Impact on Premium
Breed Brachycephalic dogs (e.g., Pugs, Bulldogs) cost up to 40 % more due to respiratory risks
Age Premium rises 5–8 % annually after age five
Coverage Level Accident-only is ~40 % cheaper than comprehensive
Co-Pay & Excess Opting for a 20 % co-pay or AED 500 excess can shave 10–15 % off
Wellness Add-On Adds AED 600–AED 800 per year

Tip: Insurers often run multi-pet discounts (5–10 %). Our comparison tool automatically applies those savings when you add a second pet.


How to Choose the Best Pet Insurance Plan Online


  1. Assess Your Pet’s Risk Profile
    Review breed-specific ailments on reputable sites like the American Kennel Club or International Cat Care. Match annual limits to the highest expected surgery cost (e.g., AED 15,000 for hip dysplasia).

  2. Compare Insurance Quotes
    Use InsuranceHub’s side-by-side dashboard to view annual limits, co-pays and network vets from over 15 Central-Bank-approved insurers in seconds.

  3. Check the Provider Network
    Ensure your preferred clinic—Blue Oasis, The Veterinary Hospital, British Veterinary—offers direct billing with the policy.

  4. Scrutinize Waiting Periods & Exclusions
    Look for shorter illness waits (14 days vs 30) and ‘no sub-limit’ policies on diagnostics. Avoid plans that permanently exclude chronic conditions diagnosed after purchase.

  5. Balance Cost vs. Benefit
    An accident-only plan may suffice for street-smart adult cats; a comprehensive plan is smarter for young Huskies or Ragdolls with known genetic vulnerabilities.

  6. Read Customer Reviews & CSR
    Our platform displays each insurer’s claim settlement ratio (CSR) and average payout time, so you can avoid slow reimbursers.

  7. Buy Pet Insurance Online
    Finalize the application, upload vaccination records, and pay securely by card or Apple Pay. Your e-policy and microchip tag arrive in your inbox within minutes.

Need help? Chat with an InsuranceHub.ae advisor via WhatsApp for unbiased guidance at no extra cost.


Golden retriever sitting calmly on a stainless-steel veterinary examination table while a veterinarian in blue scrubs gently examines its paw, with medical equipment and charts visible in a well-lit clinic room.

Conclusion: Protect Your Pet and Your Wallet Today


Unplanned vet bills can derail any budget, but they don’t have to. Quality pet insurance absorbs the financial shock, lets you approve treatment without hesitation, and keeps tails wagging for years to come. Compare quotes, tailor coverage, and purchase online at InsuranceHub.ae to lock in coverage that fits both your pet’s health needs and your financial goals. Your furry family member deserves nothing less.


Almost 78.3% of Our current Customers actually choose Insurancehub because of the following reason:

Easy and Affordable way to Buy any Insurance Online

Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.

Free Expert Guidance

We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )

Save More Time, Money, and Effort

Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort.

Saving is the Ultimate Mantra…

100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

FAQs About Pet Insurance

What does pet insurance cover in the UAE?

Pet insurance typically covers veterinary expenses due to accidents, illnesses, surgeries, and sometimes vaccinations or preventive treatments. Coverage depends on the plan you choose.

Is pet insurance mandatory in the UAE?

No, pet insurance isn’t mandatory, but it’s highly recommended to protect against unexpected medical costs for your dog or cat.

How much does pet insurance cost in the UAE?

Basic pet insurance plans in the UAE start from around AED 400–600 per year, depending on your pet’s breed, age, and coverage level.

Does pet insurance cover vaccinations or checkups?

Some comprehensive plans include preventive care like vaccinations and routine checkups, while basic plans usually focus on accidents and illnesses.

What’s not covered under pet insurance?

Pre-existing conditions, pregnancy-related care, and elective procedures are generally excluded. Always review your policy details before buying.

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