Pet Security UAE 2026
Pet Insurance UAE 2026 from AED 39 per Month (Dogs and Cats)
UAE Pet Insurance for Vet Bills and Third Party Liability. Dogs, cats and exotic pets. Dubai Municipality and ADAFSA pet licence compatible.
35+
Approved Partners
1.5 M+
Businesses Covered
1.5 M+
Policies Issued
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CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurer Partners
Instant Quote Ready
Microchip Verified
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurer Partners
Instant Quote Ready
Microchip Verified
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurer Partners
Instant Quote Ready
Microchip Verified
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurer Partners
Instant Quote Ready
Microchip Verified
Sanad Club Rewards
Pet Insurance UAE 2026: Dogs, Cats & Exotic Pets
Protect your beloved pets with comprehensive insurance starting from AED 39 per month. Covering vet bills, surgery, hospitalisation, and third-party liability.
With over 250,000 registered pets in the UAE, managing vet costs is a top priority for pet owners. From cruciate surgery (AED 12,000+) to chronic condition management, eSanad compares 37 approved insurer partners — including Orient Takaful, Alliance, and Liva Insurance — to provide plans that meet Dubai Municipality and ADAFSA licensing requirements. Licensed by CBUAE (Licence 273) and DHA (BRK-0017).
Pet Insurance Pricing Snapshot
| Plan | Species | Vet Limit (AED) | TPL Limit (AED) | AED / Month |
|---|---|---|---|---|
| Essential Cat | Cat | 5,000 | N/A | 29 |
| Essential Dog | Dog | 5,000 | 500,000 | 39 |
| Standard Dog | Dog | 12,000 | 1,000,000 | 59 |
| Premium Dog | Dog | 25,000 | 2,000,000 | 89 |
| Senior Dog (7+) | Dog | 10,000 | 1,000,000 | 95 |
| Exotic (Parrot/Rabbit) | Exotic | 3,000 | N/A | 39 |
| TPL Only | Dog | N/A | 1,000,000 | 15 |
Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.
What is Covered?
- Accident & Illness: Consultations, diagnostics, and medications.
- Surgery: Cruciate, orthopedic, and soft tissue procedures.
- Hospitalisation: Treatment at licensed UAE vet hospitals.
- Diagnostics: X-rays, MRI, ultrasound, and blood panels.
- Chronic Conditions: Diabetes and arthritis (typically from year 2).
- Third Party Liability (TPL): Essential for dog bites or property damage.
- Specialty Cover: Dental illness, cancer treatment, and physiotherapy.
- Travel: Vet treatment abroad during holidays (premium tiers).
Common Exclusions
- Pre-existing conditions (unless stable for 12+ months on mid-tier).
- Routine vaccinations, spaying, or neutering.
- Behavioural training and cosmetic procedures.
- Breeding and pregnancy-related complications.
Dubai Municipality & ADAFSA Compliance
Dubai Municipality requires an annual pet licence (AED 220 for dogs, AED 50 for cats). Essential requirements include:
- Microchipping: ISO 11784/11785 compliant.
- Vaccination: Rabies vaccination within 12 months.
- Third Party Liability: Mandatory for certain restricted breeds.
Abu Dhabi ADAFSA similarly mandates microchipping and annual vaccination, with TPL highly recommended for villa compounds.
EEAT: Trust & Expert Broker Tips
Experience: Protecting UAE pets since 2018 with dedicated desks for restricted breeds and exotic animals.
Authority: Regulated by CBUAE and registered with DHA, ensuring policy transparency.
Expert Broker Tips
- Tip 1: Insure young pets early. Insuring a puppy or kitten locks in the base rate and ensures chronic conditions are covered for life.
- Tip 2: Get TPL even if you skip vet cover. At AED 15/month, the TPL-only plan meets Municipality requirements and protects against six-figure bite claims.
- Tip 3: Check the wellness add-on. For AED 10-20/month, you can add check-ups and routine vaccinations, catching issues early.
Frequently Asked Questions
Not federally, but TPL is increasingly required for dog licensing in Dubai and by many residential compounds like Emirates Hills or Arabian Ranches.
Starts from AED 39 per month for Essential cover and up to AED 89 for Premium (AED 25K vet limit).
Generally no, but stable conditions may be reconsidered after 12 months of continuous coverage on certain plans.
Yes. Exotic pet cover starts from AED 39 per month for parrots and rabbits.
Upload your vet invoice and diagnosis to the eSanad app within 30 days. Reimbursements are typically processed within 10 working days.
© 2026 eSanad Insurance Broker. Licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).
Reliable Pet Care and Financial Protection for the UAE.