Pet Insurance in UAE

While evaluating plans, some of the important factors to consider are pet insurance cost and coverage.

The Maxi Package Pet Insurance plan covers the following:

Surgery costs of up to AED 18,000 and a maximum of 2 claims per annum Cost of hospitalization due to accident or illness of up to AED 600 per day with a maximum of 20 days per annum

Outpatient consultation and treatment of up to AED 350 per consultation excluding the cost of medicine, treatment, and tests with a maximum of 20 consultations per annum

Optional Third-Party Liability Pet Insurance cover inclusions: Third-Party Property Damage: of up to AED 50,000 with a maximum of 2 claims per annum Third-Party Bodily Injury: of up to AED 100,000 with a maximum of 2 claims per annum

The Mini Package Pet Insurance plan covers the following: Surgery & illness & injury of up to AED 5,000 per annum

Third-Party Property Damage & Third-Party Bodily Injury: of up to AED 50,000 per annum Cost of hospitalization due to accident or illness of up to AED 500 per day with a maximum of 10 days per annum Outpatient consultation and treatment of up to AED 150 per consultation excluding the cost of medicine, treatment, and tests with a maximum of 10 consultations per annum Third-Party Liability of AED 50,000 with any one occurrence and in aggregate with a maximum of 2 claims per annum.

Post pet adoption, the first set of charges vary from AED 1,000 to AED 5,000 that includes veterinary fees such as shots, tests, and microchip charges. The vaccination courses could cost up to AED 650 and the average routine vet cost range from AED 200 to AED 450. The vet costs for cats and dogs will differ, the consultation and treatment costs also vary depending on the type and condition of the pet.

The treatments and vet routines vary for dogs based on their breed, age, condition however having dog insurance ensures their medical needs are taken care of. Adult cats usually need at least 1 vet visit a year, while kittens might need vet visits every 3 to 4 weeks till they are 4 years old, it is important to have a cat insurance in place to cover for treatments and consultations

With the adoption of adorable pets comes great responsibility, hence the decision to adopt a pet should be carefully thought through. Just like other family members, ensuring the well-being and health of a pet also requires substantial time, effort, and investment. While the exact routines might differ based on the type and condition of the pet, some common tips to keep your pets healthy are as follows:

Food first: prioritize the nutrition of your pets and feed them high-quality foods to support their health Exercise – allot at least 30 minutes daily to engage your pets in some form of exercise like walking, playing with a ball, etc.

Regular vet visits: ensure you are getting your pet examined by a registered veterinarian at least once a year. Our pet insurance covers 10 and 20 consultations for mini package and maxi package respectively with registered veterinarians in UAE.

Keep them safe: Man’s best friend, dogs are more prone to accidents and injuries compared to cats, having a dog insurance will ensure your waggy tailed best friend is safe when they get into trouble. While safer compared to dogs, cats are inherently curious and feisty, and might swallow foreign objects, have animal bites from run ins with other cats or animals etc., a cat insurance will protect your feline friend.

Love and affection: you mean the world to your pet, ensure you spend some time cuddling, playing, and letting your precious pet know just how special they are.

We understand your home and belongings are more than their financial worth and while recuperating from the emotional toll of losing them would take time, we do cover you financially. Our home insurance plans start as low as AED 1/day, however, the home insurance quote will vary depending on the size of the house, also if a house contains numerous high-value items it will reflect in the homeowners insurance quote. Most home insurance plans are based on the overall estimated value of people’s homes so if new items are purchased and the total value remains within the value a homeowner has insured, they will not need to pay an additional premium. However, if high-value items are added, this might change. If you have high-value assets it is best to include them in the coverage even if they might lead to a pricier homeowners insurance quote, because otherwise in the case of an accident you will have to be liable for the financial damages.

When somebody decides to buy home insurance, they are deciding to be covered against the damage caused by natural calamities like lightning, earthquake, storm, and flood on their home building and its contents. A comprehensive home insurance cover like ours will also compensate for the damages caused by fire, explosion, smoke damage, impact with a building involving an aircraft, aerial device, or anything falling from them, or accidents that involve vehicles or animals and for financial damages caused by political disturbances, riots, civil commotion or in the case unfortunate events of threat and vandalism.

While one might think, UAE is one of the safest countries in the world and the occurrence of any of the natural disasters or accidents seem relatively improbable. Then how is home insurance useful?

Like most UAE residents, you too might have a variety of domestic appliances like a washing machine, refrigerator, etc. installed in your home. Cooling installations like Air-cons, coolers, etc. are a necessity to manage in the hot climate of UAE. Our home insurance policy covers you for any damage caused by the escape of water or oil from any of these devices. It also covers for any damage like breakage of TV, white goods, or other equipment.

The contents clause* of home insurance covers the following for loss of important documents, loss of money, loss of metered water, mirrors, and glass, and damage to personal possessions, valuables, portables, and sports equipment. It also covers the cost of shifting to a new house, tenant’s improvements, and visitor’s personal effects

What is covered under the building section?

Under the building clause*, a home insurance owner is covered for the building sum insured, accidental damage to the cable and underground pipes, architect’s surveyors legal and consulting engineers’ fees, breakage of fixed glass and sanitary fixtures, emergency access and trace and access.

*T & C apply

For additional protection, home insurance owners can also avail of additional covers like debris removal, fire brigade charges, extinguishment and mitigation costs, garden cover, and additional coverage on the loss of metered water

Liability: our home insurance policy covers your home and peace of mind. Liability to the public: The liability to the public covers the owner of building/s and private houseowner occupying a building. In respect of fatal and non-fatal bodily injury and accidental property damage.

Tenants’ liability: The tenant's liability covers the legal liability of a policyholder as tenants of the premises for any damage or destruction by perils, for which the policyholder is liable to the owner

Landlord’s Liability: The landlord’s liability covers the legal liability of a policyholder as landlords of the premises for any damage or destruction by perils, for which policyholder is liable to the tenant

Domestic Servants: our home insurance plan includes protection for domestic servants like maids, drivers, etc. The personal accident covers the domestic servant in the unfortunate circumstances of an accidental bodily injury that occurs within the geographical limit covered under the home insurance, the home insurance owner is covered for medical and repatriation expenses. It also covers the employer’s liability towards the domestic servant, in case of an injury or illness that arises during the insurance period.

Fatal Injury Benefits: our home insurance policy covers much more than the home. Under the fatal injury section of our home insurance the policyholder, their spouse, and children are covered for any bodily injury caused by violent external and visible means like fire, theft, etc. which can result in death.

Loss of Rent and/or Alternative Accommodation: Our home insurance policy cushions the financial blow by covering for the loss of rent that occurs because the home is unfit to live in and the cost of alternative accommodation till their house is made fit to live in.