Different Types of Pet Insurance in UAE: A Complete Guide

Introduction

Owning a pet in the UAE comes with immense joy—and responsibilities. With rising veterinary costs, pet insurance in UAE has become essential for pet parents seeking financial security and peace of mind. Whether you're in Dubai, Abu Dhabi, or anywhere across the UAE, veterinary costs can add up quickly—especially when unexpected injuries or illnesses arise. That’s where pet insurance comes in.

But with various pet insurance covers available, how do you choose the right plan?

In this guide, we’ll explore the different types of pet insurance available in the UAE, including MooPet Insurance’s tailored plans for pet owners.

Why Get Pet Insurance in UAE?

Veterinary treatments can be expensive, with emergency surgeries and long-term illnesses costing thousands of dirhams. Pet insurance solutions help cover these expenses, ensuring your pet gets the best care without breaking the bank. Whether you're seeking coverage for a dog or a cat in the UAE, choosing the right insurance plan is essential for your pet's wellbeing.

Types of Pet Insurance for Dog & Cat Owners in the UAE

MooPet offers a variety of plans for pet owners in the UAE

1. Lifetime Pet Insurance

This is the most comprehensive coverage, designed for pet owners who want long-term security. It covers vet fees for illnesses and injuries throughout your pet’s life, as long as you renew the policy annually. Coverage resets each year, so if your pet has contracted a chronic condition while insured, MooPet’s Lifetime plan will continue to cover it year after year.

MooPet Lifetime Plan Tiers:

Lifetime Plan	Essential	Bronze	Silver	Gold
Vet Fees Coverage	Upto AED 7,500	Upto AED 15,000	Upto AED 20,000	Upto AED 30,000

MooPet Cover’s Lifetime Pet Insurance plan covers:

• Chronic health disorders such as diabetes, arthritis, etc. As long as it is not a pre-existing condition.

• Covers vet fees up to AED 30,000

• Cruciate ligament repairs

• Prescription food

• Euthanasia & cremation

• Third-party liability (dogs only)

• Covers surgeries, MRIs, CT scans

• Accidents and injuries

Lifetime policies renew every year, ensuring continuous coverage for ongoing conditions. If you want your furry friends to be covered under a comprehensive pet insurance policy, the lifetime plan is a top choice.

2. Time-Limited Pet Insurance

For those looking for affordable pet insurance in UAE, a Time-Limited Pet Insurance plan offers short-term coverage. This option offers cover for up to 12 months from the start of treatment or until the policy limit is reached. Once the period or financial cap is reached, that condition is no longer covered—even if your policy renews. It’s ideal for pet parents who want solid coverage without the cost of a lifetime plan

MooPet Cover’s Time-Limited Pet Insurance plan covers:

• Illnesses and injuries for a fixed period (usually 12 months)

• Covers accidents and illnesses but only for 12 months per condition.

• Prescription food

• Emergency care

• Budget-friendly for short-term needs (e.g., infections or minor surgeries)

• Treatment costs up to a set financial limit

• 12-month coverage per illness/accident.

• Suitable for temporary treatments like infections

This plan is ideal if you need temporary coverage but don’t want to commit to higher lifetime premiums.

3. Accident-Only Pet Insurance

If you’re mainly concerned about unexpected injuries, Accident-Only Pet Insurance is a budget-friendly option. As implied by its name, this plan provides coverage solely for accident-related injuries, excluding illnesses. It’s the most affordable option and provides essential emergency coverage when you need it most. This plan is ideal for active pets prone to accidents.

MooPet Cover’s Accident-only Pet Insurance covers:

• Accidental injuries

• X-rays, surgery, and hospitalization

• Emergency vet treatment related to an accident (up to AED 5,000)

• Injuries resulting from events like fractures, poisoning etc.

• Third-party liability (dogs only)

• Covers emergency visits related to an accident (e.g., injuries or poisoning).

• Lowest premium but no illness coverage

However, it does not cover illnesses or routine check-ups, making it a limited but cost-effective solution for pet owners who want basic pet insurance coverage.

4. Travel Extension Pet Insurance

This isn’t a standalone plan but an optional add-on for MooPet’s Lifetime and Time-Limited policies. It provides cover for illnesses and accidents when you travel abroad with your pet.

MooPet Cover’s Travel Extension add-on covers:

• Overseas vet expenses

• Lost or stolen pet coverage

• Emergency pet repatriation

• Covers medical emergencies for your pet abroad

Note: Not available with Accident-Only plans

If you’re traveling with your pet, this add-on ensures they stay protected wherever you go. Coverage kicks-in when you land in your destination. Coverage does not apply in the air.

Essential Criteria for Choosing Pet Insurance in the UAE

When selecting pet insurance in Dubai, Abu Dhabi, or the northern emirates, consider:

• The breed of your pet: Certain breeds are more prone to particular health conditions as they age.

• Coverage level: Do you need lifetime security or basic accident coverage?

• Your monthly budget: Compare premiums and benefits to find the right balance.

What’s Not Covered by Pet Insurance in UAE?

• Pre-existing conditions – Moopet plans have now included a list of certain pre-existing conditions apart of their coverage and is the only pet insurance in the UAE that has added this benefit within their plans. Speak to a Moopet representative for more information on this coverage.

• Routine or annual health checks

• Vaccinations and preventive parasite treatments

• Neutering or spaying

• Behavioral issues or dental care (unless caused by an accident)

Why Choose MooPet Insurance?

At MooPet, we're pet parents too—so we get it. If you're seeking dog or cat insurance in the UAE, we offer personalized, clear, and flexible coverage options that cater to every pet family. Backed by a caring and responsive support team, MooPet ensures your furry friend gets the protection and care they deserve—every step of the way. 

Key MooPet Insurance Features:

• Voted UAE’s Favourite Pet Insurance

• Customizable & Affordable Plans

• Hassle-Free Online Claims

• Visit any UAE-licensed vet—no restrictive vet network.

• Monthly installments (from AED 90 for cats, AED 120 for dogs)

• Responsive customer care

Conclusion

Understanding types of pet insurance for dogs and cats helps you make an informed decision. Whether you need lifetime security, temporary coverage, or international travel extensions, there’s a plan for every pet parent.

Explore MooPet Insurance in UAE today and give your furry friend the protection they deserve!

Contact us today and give your pet the protection they deserve!