Pet InsuranceAffordable, flexible insurance for your cat or dog. Compare plans, buy online, and pay in monthly instalments.
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Veterinary care in the UAE can be expensive. A single emergency visit or surgery can cost thousands of dirhams, and ongoing treatments for conditions like diabetes, allergies, or joint problems can add up quickly.
Pet insurance helps you manage the cost of unexpected vet bills so you can focus on getting your pet the care they need, without worrying about the price tag. It gives you peace of mind knowing that if something goes wrong, you are covered.
Pet insurance can cover a wide range of veterinary and related costs:
Coverage and limits vary by plan. We help you compare your options and find the right level of protection for your pet and your budget.
The most comprehensive option. Lifetime cover protects your pet against accidents, illnesses, and chronic conditions throughout their life, with coverage limits that refresh every year when you renew. This means that if your pet develops an ongoing condition like arthritis or diabetes, it continues to be covered year after year, with the full limit available each renewal.
Lifetime cover is available across multiple tiers, so you can choose the level that fits your budget while still giving your pet long-term protection.
Covers accidents and illnesses for up to 12 months from the date each condition is first diagnosed, or until the benefit limit is reached. After 12 months, that specific condition is no longer covered. The policy itself can still be renewed annually. This is a good option for managing short-term risks at a lower premium.
The most affordable option. Covers treatment costs for unexpected accidents and injuries such as fractures, poisoning, and wounds. This plan does not cover illnesses. Ideal for pet owners who want essential protection at the lowest cost.
All plans can be paid in convenient monthly instalments, making pet insurance accessible and easy to budget for. No need to pay the full annual premium upfront.
| Lifetime | Time-Limited | Accident-Only | |
|---|---|---|---|
| Best for | Comprehensive, long-term protection including chronic conditions | Short-term illness and injury cover at a lower premium | Essential accident cover at the most affordable price |
| Accidents | Covered | Covered | Covered |
| Illnesses | Covered (ongoing, refreshes annually) | Covered (12 months per condition) | Not covered |
| Chronic conditions | Covered year after year | Covered for 12 months only | Not covered |
| Third party liability | Included | Included | Available on select plans |
| Lost pet cover | Included | Included | Not included |
| Monthly payments | Yes | Yes | Yes |
Not sure which plan is right for your pet? Get a quote and we will show you the options side by side so you can compare easily.
We present you with options from our panel so you can compare plans, coverage, and pricing side by side. No need to visit multiple websites.
We offer lifetime pet insurance, the most comprehensive cover available in the UAE. Your pet’s conditions are covered year after year with limits that refresh at each renewal.
There are no restrictions on which vet you can visit. Take your pet to any licensed veterinary clinic in the UAE and claim the costs back.
Pay for your pet’s insurance in monthly instalments. No large upfront payment required, making it easy to budget for your pet’s protection.
Get a quote, compare plans, and purchase your policy online. Your cover starts right away with no paperwork.
If your pet needs treatment, our team is here to help you through the claims process and ensure you get reimbursed quickly.
Share a few details about your cat or dog, including their breed, age, and any relevant health information.
We show you the best options with clear pricing and coverage details so you can compare side by side.
Choose your plan and purchase online. Pay annually or in monthly instalments. Your policy is issued instantly.
When your pet needs treatment, visit any licensed vet in the UAE. Pay the bill, submit your claim online, and get reimbursed.
We currently offer insurance for cats and dogs. These are the most common pets in the UAE and our plans are tailored to their specific healthcare needs.
Lifetime cover protects your pet against ongoing conditions year after year, with the coverage limit refreshing at each annual renewal. Time-limited cover covers each condition for up to 12 months from the date it is first diagnosed. After that, the specific condition is no longer covered. Lifetime cover costs more but provides much greater long-term protection, especially for pets prone to chronic conditions.
Pre-existing conditions are health issues your pet had before the policy start date. These are generally not covered under pet insurance. This is why it is best to insure your pet as early as possible, ideally when they are young and healthy, so that conditions that develop in the future will be covered.
Most plans require pets to be at least 8 weeks old at the start of their first policy. There are also upper age limits for enrolling new pets, which vary by insurer. Contact us with your pet’s details and we will let you know what options are available.
Yes. You can visit any licensed veterinary clinic in the UAE. There are no restrictions on which vet you see and no referrals are needed.
After your vet visit, submit your claim online through the insurer’s claims portal. Upload your receipts and documentation, and once approved, the reimbursement is paid directly to your bank account.
Yes. All plans are available with monthly payment options, making it easy to spread the cost throughout the year.
Most pet insurance policies have a short waiting period after the policy starts before you can make a claim. This is typically around 14 days for illnesses and a shorter period for accidents. The exact waiting periods depend on the plan you choose.
Some plans offer optional wellness or routine care add-ons that can cover vaccinations, dental cleaning, and regular checkups. These are usually available as an upgrade to the core plan. Our team can help you find a plan that includes the level of routine care you are looking for.
Many plans include holiday cancellation cover. If your pet requires emergency treatment and you need to cancel a prepaid trip, the policy can reimburse your non-refundable travel costs. Check the plan details for specific limits.
Compare plans, buy online, and give your cat or dog the protection they deserve. Pet insurance from Pioneer Insurance Brokers.
