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. 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
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.htmlInstagram: https://www.instagram.com/standardinsuranceph/
Contact number: +632-8845-1111
3. BDO UNIBANK DOG AND CAT HEALTH INSURANCE
Plans | Info |
Plan A | • Up to ₱15,000 per accident Pet Medical |
| Reimbursement for Covered |
| Accidental Injuries (max of P75,000) |
| • Up to ₱15,000 Insured Pet Owner’s |
| Accidental Death and Disablement |
| Annual Premium: ₱560 |
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Plan B | • Up to ₱20,000 per accident Pet Medical |
| Reimbursement for Covered |
| Accidental Injuries (max of P100,000) |
| • Up to ₱20,000 Insured Pet Owner’s |
| Accidental Death and Disablement |
| Annual Premium: ₱700 |
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Plan C | • Up to ₱25,000 per accident Pet Medical |
| Reimbursement for Covered |
| Accidental Injuries (max of P125,000) |
| • Up to ₱25,000 Insured Pet Owner’s |
| Accidental Death and Disablement |
| Annual Premium: ₱820 |
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Plan D | • Up to ₱30,000 per accident Pet Medical |
| Reimbursement for Covered |
| Accidental Injuries (max of P150,000) |
| • Up to ₱30,000 Insured Pet Owner’s |
| Accidental Death and Disablement |
| Annual Premium: ₱920 |
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- 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
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
Instagram:
N/A Contact number: (+632) 8888-1700
5. LIFE BY PETTO
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
| 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
| 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
Instagram: n/a
Contact number: (02) 8711-4975, (Globe) 09454552018, (Smart): 0939-649-3217
9. PALAWAN 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 |
Age range eligibility: 3 months to 10 years old
Kinds of pets: Cats and dogs
Terms and conditions: Click HERE Effectivity: Not mentioned online
Can be conveniently purchased via Gcash, Shopee & Lazada? No
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
10. 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
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.
Thank you for sharing - this is one of the few lists I've seen for pet insurance options in the Philippines.
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