We all know that the cost of living in Dubai is high, given the luxuries it offers. Unless you show great discipline, it can be fairly challenging to set aside an amount for unforeseen circumstances. With that in mind, it’s completely natural for pet owners to seek reliable pet insurance in Dubai.

Catastrophic events involving pets often require immediate attention before the situation worsens. However, without sufficient savings, providing them with the best possible treatment can become difficult. That’s why it’s wise to invest in pet insurance in Dubai early on.

Before you choose an insurance plan, there are a few important things you should know. In this blog, we’ve rounded up all the basic and essential information to help you select the right insurance partner for your furry friend’s safety and well-being.

What Type of Pet Insurance Is Available in the UAE?

Dogs and cats are among the most popular pets people love to keep. As a result, most pet insurance companies in Dubai, UAE offer premium coverage specifically for them. However, some insurers also extend their coverage to rabbits, exotic birds, and even certain reptiles.

In general, pet insurance coverage includes:

Veterinary Fees: Covers the cost of routine check-ups (very rare), emergency visits, diagnostics, and other veterinary consultations to keep your pet healthy year-round.
Medications: Provides reimbursement for prescribed medications, treatments, or supplements essential for your pet’s recovery and ongoing health.
Surgeries: Covers expenses related to surgeries, whether they are planned procedures or urgent operations due to accidents or illnesses.
Third-Party Liability: Protects you financially if your pet accidentally injures someone or damages property, offering peace of mind in unexpected situations.
Lifetime or Chronic Illness Coverage: Covers long-term conditions like diabetes, arthritis, or heart disease, helping manage ongoing treatments without draining your savings.

Pet Insurance in Dubai: What’s Covered VS What’s Not

When exploring pet insurance options in Dubai, it’s important to know exactly what’s included — and what’s not. To help you make an informed choice, here’s a simple comparison highlighting the typical coverage and common exclusions you should be aware of:

What’s Typically Covered by Pet Insurance	What’s Usually Not Covered by Pet Insurance
Accidents and Injuries: Emergency treatments for sudden injuries like fractures, wounds, or accidents.	Pre-existing Conditions: Any illness or injury your pet had before the policy started.
Illnesses: Coverage for infections, chronic diseases, and unexpected sicknesses that arise after enrollment.	Routine and Preventive Care: Vaccinations, annual health check-ups, flea/tick prevention (unless you add a wellness plan).
Surgeries and Hospitalization: Costs related to surgeries, anesthesia, hospital stays, and aftercare.	Cosmetic Procedures: Non-essential treatments like ear cropping, tail docking, or declawing.
Medications: Prescribed drugs, antibiotics, and therapies to aid recovery.	Pregnancy and Breeding Costs: Expenses related to pregnancy, giving birth, or fertility treatments.
Third-party Liability: If your pet causes injury to another person or damages property, insurance helps cover legal or settlement costs.	Behavioral Treatments: Behavioral therapy or training unless specifically included in an enhanced policy.
Diagnostic Tests: X-rays, MRIs, blood tests, and lab work needed to diagnose your pet’s condition.	Neglect or Abuse: Claims arising from poor care, negligence, or mistreatment of the pet.

What are the Benefits of Pet Insurance Coverage in the UAE?

Pet insurance offers several valuable benefits that go beyond just saving money. Here’s why it’s a smart choice for pet owners in the UAE:

Financial Security in Emergencies: Pet insurance cushions you against unexpected veterinary bills, helping you avoid large out-of-pocket expenses during emergencies.

Access to Quality Healthcare: With coverage in place, you can confidently choose top-tier veterinary clinics and specialists without worrying about costs.

Covers a Wide Range of Treatments: From surgeries and hospitalization to medications and diagnostics, insurance often includes a broad spectrum of essential treatments.

Protection Against Third-Party Liability: Some policies offer coverage if your pet accidentally causes injury to others or damages property, saving you from potential legal costs.

Helps Manage Chronic Conditions: Long-term illnesses like arthritis or diabetes are easier to manage when ongoing treatments and medications are partially reimbursed.

What do I Need to get a Pet Insurance Quote?

Getting a pet insurance quote in the UAE is a pretty straightforward process. While the exact requirements may vary slightly between different providers, most of them will ask for a few basic details about you and your pet. Here’s what you’ll typically need to provide:

Your contact information
Pet’s name and breed
Pet’s age and gender
Medical history
Vaccination records

Most insurance companies keep the process quick and simple — a few minutes filling out these details, and you’ll be ready to compare plans!

How to Compare Pet Insurance Quotes?

Choosing the right insurance plan for your furry friends isn’t just about finding the cheapest option — it’s about finding the best value for your pet’s specific needs. Here’s a simple guide to help you compare pet insurance quotes the right way:

1. Check What’s Covered: Look closely at the treatments, procedures, and services included. Make sure essentials like accidents, illnesses, surgeries, and medications are part of the standard coverage.

2. Understand the Exclusions: Every policy has its limits. Always review what’s not covered to avoid surprises later.

3. Compare Premiums and Deductibles: Balance the monthly premium cost with the deductible amount (the money you’ll pay out-of-pocket before insurance kicks in). A lower premium often means a higher deductible, and vice versa.

4. Evaluate the Annual Coverage Limit: Some policies cap how much they’ll pay each year. Choose a plan with a limit that matches the level of care you want your pet to have, especially for serious illnesses or emergencies.

5. Check Reimbursement Rates: After you pay the vet, how much of the bill will the insurer refund? Higher reimbursement rates can save you more in the long run.

6. Consider Additional Benefits: Some insurers offer extra perks like wellness add-ons (vaccinations, dental cleanings), overseas coverage, or third-party liability. Think about what extras might truly matter to you.

5 Best Pet Insurance Providers in Dubai

Searching for an ideal pet insurance in Dubai can be overwhelming. To simplify your decision-making process, we’ve compiled a list of the top five pet insurance providers in the city, highlighting their offerings and unique features.

1. Moo Pet Insurance

Moo Pet Insurance stands out for its transparent, hassle-free coverage tailored for pet owners in the UAE. They offer a range of plans, including accident-only and lifetime coverage.

Pets Covered	Cats and dogs
Contact	+971 4 422 9688
Cost	Varies based on plan; offers monthly installment options
Important to Consider	UAE’s only lifetime pet insurance with no annual deductible and acceptance at all licensed vets in the UAE

2. MetLife Pet Insurance

MetLife is a globally recognized insurance provider offering comprehensive pet insurance plans in the UAE. Their coverage includes a wide array of medical services.

Pets Covered	• Dogs (6 months–8 years) • Cats (6 months–10 years) with microchips
Contact	petinsurance@metlife.ae
Cost	Premiums vary; for example, a 2-year-old Siberian Husky’s plan with AED 20,000 coverage at 100% reimbursement has a monthly premium of AED 229 before VAT
Important to Consider	Customizable coverage percentages (50%–100%) and annual limits up to AED 30,000

3. InsuranceMarket.ae

InsuranceMarket.ae acts as a broker, connecting pet owners with leading pet insurance providers in the UAE. Their platform simplifies the comparison process, helping you find the best deals.

Pets Covered	Primarily cats and dogs
Contact	(+971) (0) 4 421 5819
Cost	Varies based on selected provider and plan
Important to Consider	Access to multiple insurers through a single platform, offering personalized advice and exclusive discounts

4. Fidelity United – MyBuddy Pet Insurance

Fidelity United’s MyBuddy Pet Insurance offers tailored plans for cats and dogs, focusing on user-friendly policy management.

Pets Covered	Cats and dogs
Contact	customercare@fidelityunited.ae
Cost	Competitive rates; specific premiums depend on pet details
Important to Consider	Offers flexible coverage levels with easy online enrollment and quick claims processing

5. Salama Pet Takaful

Salama offers Shariah-compliant pet insurance plans, ensuring ethical coverage for your pets. Their plans are designed to provide healthcare protection without financial strain.

Pets Covered	Cats and dogs
Contact	• From within UAE: 800-725262 (SALAMA) • For Overseas: +971 4 3577000
Cost	Affordable plans; specific premiums depend on coverage level
Important to Consider	Shariah-compliant Takaful solutions with a focus on affordability and essential coverage

How Can I Get Low Cost Pet Insurance?

To get affordable pet insurance in the UAE, start by comparing quotes from multiple providers. Choose a plan that offers essential coverage without extras you don’t need.

Opting for annual payments, increasing your deductible, or selecting a lower reimbursement rate can also help reduce costs. Some insurers offer discounts for insuring multiple pets or for early enrollment, so it’s worth asking.

How Can I Make a Claim Under My Pet Insurance?

Filing a claim is usually straightforward. Most insurers require you to fill out a claim form, attach itemized vet invoices, and submit any medical records related to the treatment. You can do this via their online portal or through email. Once submitted, the insurer reviews the documents and reimburses the eligible amount, usually within a few business days.

Final Thoughts

Caring for your furry companion goes beyond daily cuddles and treats—it also means being prepared for the unexpected. Pet insurance in Dubai can ease financial stress and ensure your pet receives the best care. Take your time, compare quotes wisely, and choose a policy that brings peace of mind for both you and your pet.