Compare lifetime cover (annual limits that reset each year) versus per-condition limits — once a condition is diagnosed, it becomes pre-existing and may be excluded on renewal under non-lifetime policies.
Compare the top 2 UAE pet insurance providers, with premiums from AED 80 /month. Data current as of 23 October 2026 and updated daily from the Giraffy database.
2 live offers compared from 2 providers, from AED 80 /month. Updated daily.
AED 80 /month
National Insurance Pet UAE is a pet insurance offer from National Insurance UAE in the UAE. Key details — Coverage: Accidents + illness; Reimbursement: 80%; Annual Limit: AED 5,000/year.
AED 80 /month
Salama Pet Takaful UAE is a pet insurance offer from Salama Insurance in the UAE. Key details — Coverage: Accidents + illness (Sharia-compliant); Reimbursement: 75%; Annual Limit: AED 7,000/year.
Pet insurance covers veterinary costs and related risks for cats and dogs, ranging from accidents and illness to, in some policies, third-party liability. In the UAE it is a small but growing category, reflecting rising pet ownership among residents and the high cost of private veterinary care in Dubai and Abu Dhabi, where a single surgery or extended treatment can run into thousands of dirhams. Cover helps owners manage those unexpected bills without facing a difficult choice at the vet.
Pet insurance is a nascent line offered by a handful of insurers licensed by the Central Bank of the UAE. Policies typically reimburse a share of veterinary treatment costs up to annual and per-condition limits, and some include third-party liability cover if your pet injures someone or damages their property. Because the market is still young compared with mature pet-insurance markets, the range of policies, cover levels and add-ons is more limited, so it is worth reading the detail closely.
Vet-bill protection — Reimburses treatment costs for accidents and illness up to the policy limits.
Third-party liability — Some policies cover injury or property damage caused by your pet.
Budget certainty — Spreads the risk of large, unexpected veterinary expenses across affordable premiums.
Check the annual and per-condition limits, the co-payment or excess you contribute towards each claim, and any exclusions for pre-existing conditions, specific breeds or older animals. Confirm which vets and treatments are covered, whether routine or preventive care is included or excluded, and how claims are reimbursed and how quickly. Then compare the premium against your pet's likely veterinary needs and age to judge whether the cover offers real value.
Cover is offered by a limited set of insurers, with National General Insurance and Salama among those active in the pet category. Because the options are few, compare the available policies closely on their limits, excesses and exclusions rather than on headline price alone, since a cheaper policy with tight limits may pay out far less when you actually claim.
Premiums in the UAE are modest at the entry level, with basic cover seen around AED 80 per year, though pricing rises with higher annual limits, the pet's age and breed, and any added benefits such as third-party liability. Confirm exactly what a given premium includes, and what it excludes, before buying so the cover matches your expectations.
The CBUAE licenses and supervises the insurers offering pet cover, applying its general conduct, disclosure and claims standards to this line as to any other. As with any policy, read the wording for exclusions and waiting periods before cover begins, and keep veterinary records, invoices and receipts to support any claim you make.
Are pre-existing conditions covered? — Generally no; most policies exclude conditions that predate the cover.
What animals are covered? — Usually cats and dogs, subject to age and breed conditions.
Is routine care included? — Often not; core cover focuses on accident and illness treatment.
The cheapest Pet Insurance in United Arab Emirates is AED 80 /month from National Insurance UAE.
The lowest tracked price on Giraffy is AED 80 /month across 2 live offers. Compare all plans sorted by price.
Giraffy tracks 2 pet insurance companies in United Arab Emirates.
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
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