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Summary of Pet Insurances in the Philippines

health insurance of pets in philippines




My dog is turning five next year. I would like to make sure I am equipped financially as I face unexpected circumstances that come with owning a pet I treat as my child. That is why as early as now, I have done my fair share of searching for the best pet insurance in the Philippines. So far, my dog had only one major sickness that I thank God he survived. It happened during our trip to La Union when he contracted Erhlichia. I spent Php 6, 000 for the total vet bill not including the antibiotics that he needs to take for the next month. 

 

See below pet HMO's in the Philippines that I have discovered on my own:



1. PALAWAN PET INSURANCE

palawan pawnshop pet insurance




  Documented 

(3 months - 7 years old)

Documented & Senior (8 months - 10 years old)

Undocumented (3 months - 7 years old)

Undocumented & Senior (8 months - 10 years old) 

Php 2, 064

Php 3, 064

Php 3, 064

Php 4, 064


 

BUY Palawan Pet Insurance for Documented pets HERE &
for Undocumented Pets HERE



Age range eligibility: 3 months to 10 years old
Kinds of pets: Cats and dogsTerms and conditions: Click HERE
Effectivity: Not mentioned online
Can be conveniently purchased via Gcash, Shopee & Lazada? Yes
Any deductions when it is time to claim? Surcharge of Php 1, 000 is applied to each Undocumented Pet and each Senior Pet that is 8 y/o above.
In case my dog bit someone, is the insurance going to pay that person?
Do they offer FREE vaccinations? No
Is the pet owner included in the insurance? Yes
Does kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper, heartworm and lyme disease included? Yes

Contact number: 0917-301-3868


1. CEBUANA LHUILLIER PET INSURANCE

cebuana lhuillier pet insurance


Buy Cebuana Lhuiller Pet Insurance via Lazada HERE



PLANS

Rate

Basic

Php 1, 100

Prime

Php 2, 400


  • Age range eligibility: 6 months to 8 years old

  • Kinds of pets: Dogs only

  • Terms and conditions: CLICK HERE

  • Effectivity: Insurance coverage starts the next day 12:01 pm up to a year. Waiting period is 30 days from effectivity of insurance.

  • Pet owner accident insurance amount: BASIC is Php10, 000 and PREMIUM is Php 25, 000

  • Can be conveniently purchased via Shopee & Lazada? YES 

  • Any deduction fee when it is time to claim? Php 5, 000 participation fee for every loss (MEDICAL REIMBURSEMENT) and minimum Php 5, 000 (owner's third party liability bodily coverage)

  • In case my dog bit someone, is this covered by insurance? Yes

  • In case my dog is lost, is this covered by insurance?

  • Are common diseases included such as kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and lyme disease included? No



Official website: https://www.cebuanafromhome.com/
Contact number: 0956 234 6928


2. PET INSURANCE OF STANDARD INSURANCE

Standard Insurance Pet Insurance



Shih tzu

Amount

8 weeks - 6 years old

Php 3, 960

7 years old - 9 years old

Php 5, 960



  • Age range eligibility: 8 weeks to 9 years old

  • Kinds of pets: Cats and dogs only

  • Terms and conditions: Click HERE

  • Effectivity: Waiting period is 30 days from effectivity of insurance

  • Pet owner accident insurance amount: None

  • Can be conveniently purchased via Shopee & Lazada or Gcash? No 

  • Any deduction fee when it is time to claim? None

  • In case my dog bit someone, is this covered by insurance? No

  • In case my dog gets lost, is this covered by insurance? No

  • Are common diseases such as kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and lyme disease included? No

  • Official website: Click HERE


Website:
https://www.standard-insurance.com/products/PetProtect/index.html
Instagram: https://www.instagram.com/standardinsuranceph/
Contact number: +632-8845-1111


3. BDO UNIBANK DOG AND CAT HEALTH INSURANCE

BDO PET INSURANCE


Plans

Info

Plan A

  Up to15,000 per accident Pet Medical


Reimbursement for Covered


Accidental Injuries (max of P75,000)


  Up to15,000 Insured Pet Owner’s


Accidental Death and Disablement


Annual Premium: 560



Plan B

  Up to20,000 per accident Pet Medical


Reimbursement for Covered


Accidental Injuries (max of P100,000)


  Up to20,000 Insured Pet Owner’s


Accidental Death and Disablement


Annual Premium: 700



Plan C

  Up to25,000 per accident Pet Medical


Reimbursement for Covered


Accidental Injuries (max of P125,000)


  Up to25,000 Insured Pet Owner’s


Accidental Death and Disablement


Annual Premium: 820



Plan D

  Up to30,000 per accident Pet Medical


Reimbursement for Covered


Accidental Injuries (max of P150,000)


  Up to30,000 Insured Pet Owner’s


Accidental Death and Disablement


Annual Premium: 920





  • Age range eligibility: 3 months to 6 years old
  • Kinds of pets: Dogs and Cats
  • Terms and conditions: Click HERE
  • Effectivity/waiting period: 60 days from the official start of the policy
  • Pet owner accident insurance amount: Depends on the plan. The maximum benefit amount per person is 30,000 regardless of the number of pet insurance policy purchased.
  • Can be conveniently purchased via Shopee & Lazada? No
  • Any additional fees? No
  • In case my dog bit someone, is this covered by insurance? No
  • In case my dog gets lost, is this covered by insurance? No but they include "petnapping" as valid reimbursable claim.
  • Is kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and Lyme disease included in the insurance? No

Contact number: (+632) 8631-8000


4. EastWest Bank Pet Insurance

East West Bank FREE Pet Insurance




Plan

Amount 

By opening a new EastWest Savings Account with a minimum initial deposit and maintaining balance of Php100,000 and get INSTANT annual insurance coverage benefits for both you and your furbaby!

FREE



  • Age range eligibility: 5 months to 10 years old
  • Kinds of pets: Cats and dogs
  • Terms and conditions: Cannot find it but click HERE for more information
  • Effectivity/waiting period:  Info not available online
  • Owner accident insurance amount:  Php 50, 000
  • Can be conveniently purchased via Shopee & Lazada? No
  • Any additional fees? Info not available online
  • In case my dog bit someone, is this covered by insurance? No
  • In case my dog gets lost, is this covered by insurance? No
  • Are common diseases such as kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and Lyme disease included in the insurance?  No
  • What set this apart from other pet insurances? Life by Petto insurance also accepts SENIOR dogs without any age limit. Common vaccines are included in the



5. LIFE BY PETTO


life by petto pet insurance

Plans

Amount 

Basic

Php 1, 200 per MONTH

Top up

Php 250 - Php 350 per month


  • Age range eligibility: at least three months old
  • Kinds of pets: cats and dogs
  • Terms and conditions: Will ask them first
  • Effectivity: Will ask them first
  • Pet owner accident insurance amount: None
  • Can be conveniently purchased via Shopee & Lazada? No
  • Any deductions? Will ask them first
  • In case my dog bit someone, is this covered by insurance? No
  • In case my dog gets lost, is this covered by insurance? No
  • Is kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and Lyme disease included in the insurance? Will verify to them first

6. METROPOLITAN INSURANCE COMPANY INC's PET INSURANCE

Metropolitan Pet Insurance


   

Costs (Dogs to pay Php 1, 000  if no PCCI certificate)

Cats

Php 1,125

Active Dog

Php 1,500

Companion Dog

Php 1,275

Toy Dog

Php 1,125


  • Age range eligibility: 3 months to 8 years old
  • Kinds of pets: cats and dogs
  • Terms and conditions: Click HERE
  • Effectivity: Will ask them first
  • Pet owner accident insurance included? Yes, up to Php 100, 000+
  • Can be conveniently purchased via Shopee & Lazada? No
  • Any deductions? Not mentioned so will ask them first
  • In case my dog bit someone, is the insurance going to pay that person?
  • Do they offer shoulder FREE vaccinations?
  • Is kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and Lyme disease included in the insurance? Will ask them first

7. PETDENTITY PET INSURANCE and COCOGEN PET INSURANCE

cocogen pet insurance



petdentity pet insurance



Plan 1

Plan 2

Plan 3

Basic Premium

Microchipped (Php 900)

Without Microchip (Php 1, 100)

Microchipped (Php 1, 950)

Without Microchip (Php 2, 150)

Microchipped (Php 3, 800)

Without Microchip (Php 3, 900)


Additional Pet

Microchipped (Php 700)

Without Microchip (Php 800)

Microchipped (Php 1, 450)

Without Microchip (Php 1, 600)

Microchipped (Php 2, 700)

Without Microchip (Php 2, 900)


Additional Death Cover Per Pet

Microchipped (Php 250)

Without Microchip (Php 300)

Microchipped (Php 400)

Without Microchip (Php 500)

Microchipped (Php  650)

Without Microchip (Php 850)



Age range eligibility: 6 months to 8 years old
Kinds of pets: Cats and dogs
Terms and conditions: Click HERE
Effectivity: Can be conveniently purchased via Shopee & Lazada? No
Any deductions when filing a claim? None
In case my dog bit someone, is the insurance going to pay that person? No
Does the plans include FREE vaccinations? No
Does common illnesses like kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and lyme disease are covered? As per the woman who represents Cocogen I talked over the phone, yes


Official website: https://petdentity.com.ph/
Instagram: n/a
Contact number: (02) 8711-4975, (Globe) 09454552018, (Smart): 0939-649-3217



8. MALAYAN PET INSURANCE


Malayan pet insurance




Age range eligibility: 6 months to 8 years old
Kinds of pets: dogs
Terms and conditions: Click HERE
Effectivity: Can be conveniently purchased via Shopee & Lazada? Yes
Any deductions? Php 5, 000 for each and every claim for medical reimbursement
In case my dog bit someone, is the insurance going to pay that person?
Do they offer shoulder FREE vaccinations?
Does kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and lyme disease included? No


Contact number: 628-8600



11. PETLINK PET INSURANCE


Petlink pet insurance



Age range eligibility: 3 months to 7 years old
Kinds of pets: cats and dogs
Terms and conditions: Not available online
Effectivity: Can be conveniently purchased via Shopee & Lazada? Yes
Any deductions?
In case my dog bit someone, is the damage covered by insurance?
In case my dog gets lost, is that covered by insurance?
Does kidney failure, kennel cough, heartworm, leptospirosis, rabies, canine distemper and lyme disease included? Yes


Official website: https://www.petlinkvetph.com/pet-insurance
Facebook: https://www.facebook.com/petlinkvetph
Instagram: https://www.facebook.com/petlinkvetph
Contact number: : 8682 4042 | 0938 250 8700


Completing this list ate my time so much because not all of these pet insurances are very responsive when I ask them questions via their Fb fan pages, website contact information and even contact numbers. Some of these insurances for cats and dogs have very limited information online that hinders me to find answers to my questions.


If you know more insurances for pets in Manila that is not in this list or if you have suggestions how to make this article much better, just send via comment.

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