Pet Dog and Cat Insurance

Give your pet dog and cat the medical care they need, for as low as ₱560/year. 

Let BDO Insure, as your insurance broker, help you find affordable insurance for your pet dog and cat. 

kid with a dog

What do I need to insure my Pet

Insurable Pets

  • Dogs and Cats (all breeds and mixed breeds)
  • 3 months to 6 years old

Requirements

  • Pet book (with vet’s information) indicating the updated vaccination based on pet’s age (Optional but needed in the event of claim)
  • Upload at least 3 pet’s photo poses (front, back, left, right, sphinx)
  • Veterinarian name and contact information

Exclusions 

  • Dogs and cats used for commercial (i.e. breeding) and security purposes (i.e. sniff dogs)

Vaccination Requirements (Optional):

  • Dog
    • DHLPPi multivalent vaccine (5-in-1 for Canine Distemper, Hepatitis, Leptospirosis, Parvovirus, and Parainfluenza)
    • Every year (per law): Rabies vaccine
    • Every 1-3 years:  Multivalent vaccine

 

  • Cat
    • Multivalent vaccine (3-in-1 for Feline Panleukopenia, Herpesvirus, and Calicivirus), Rabies vaccine
    • At 12-24 weeks: DHLPPi (1-3 years)
    • At 12-24 weeks: Feline Luekemia (FeLV), Bordetella, Chlamydiphila
    • Every year (per law): Rabies vaccine
    • Every 1-3 years: DHLPPi

Note: Base benefits are pre-requisites to the add-on benefits.

Coverage and Inclusions

The policy will reimburse 80% of the Veterinary Expenses you incurred up to amount stated in the benefit table for injuries arising from an accident that is a consequence of or results in one of the following:

  1. Bone fracture
  2. Burn or electrocution
  3. Complications from drowning
  4. Bite wound or fight wound abscesses
  5. Tick paralysis
  6. Snake bite toxicity
  7. Foreign body obstruction
  8. Poisoning
  9. Embedded grass seed
  10. Anaphylactic shock or allergic reaction to insect or arachnid bites
  11. Torn nail

Notes:

  1. Veterinary Expenses from injury occurring or recurring within the first 30 days from policy effective date is not covered.  
  2. Preventive care, control of internal and external parasites, experimental procedures, training or medications for behavioral modification, pregnancy and giving birth, post confinement medications, and dental conditions are not covered by this benefit.  Please read the Terms and Conditions for the complete list of exclusions.

The Policy will pay when an injury due to an accident results to the following losses within 180 days after the date of the accident:

The maximum benefit amount per person is P30,000 regardless of the number of pet insurance policy purchased.

Inclusions
Percentage of Benefit Amount
  • Death
  • Disable of both hands or both feet of sign of both eyes
  • Disable of one hand and one foot or either hand or foot and sight of one eye
100%
  • Disablement of one hand or one foot or sight of one eye
50%

The policy will reimburse 80% of the Veterinary Expenses you incurred up to amount stated in the benefit table, arising from diagnosis of the following:

  1. Cancer, lumps, cysts, growths;
  2. Cherry Eye;
  3. Non-Diabetic Cataracts;
  4. Cruciate Ligament Condition or Traumatic Ligament or Tendon Injury;
  5. Intervertebral Disc Disease (IVDD);
  6. Urinary Tract Infection, Disease, and/or Obstruction;
  7. Gastric-Dilatation Volvulus (GDV);
  8. Hip Dysplasia;
  9. Pyometra;
  10. Gastrointestinal Problems;
  11. Outer and Inner Ear Infections;
  12. Arthritis;
  13. Renal Disease.

Notes:

  1. Veterinary Expenses from illnesses diagnosed within the first 60 days from policy effective date or date of effectivity of its last reinstatement is not covered.
  2. For dogs: infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper, leptospirosis, parainfluenza, canine influenza and all forms of kennel cough; or For cats: parvovirus (including feline panleukopenia), chlamydia, feline leukaemia virus (FeLV), feline immunodeficiency virus (FIV), viral rhinotracheitis, calicivirus, herpes virus and all forms of cat flu are not covered.  Please read the Terms and Conditions for the complete list of exclusions.
  3. Preventive care, control of internal and external parasites, experimental procedures, training or medications for behavioral modification, pregnancy and giving birth, post confinement medications, any declared pandemic affecting dogs or cats, any ectoparasite and endoparasite treatments and dental conditions are not covered by this benefit.  Please read the Terms and Conditions for the complete list of exclusions.

The policy will reimburse 80% of the Veterinary Expenses you incurred up to the amount stated in the benefit table due to the following acute dental conditions:

  1. Abscesses
  2. Removal of teeth where medically necessary due to fractured tooth/teeth

Notes:

  1. Veterinary Expenses arising from Acute Dental Condition that was sustained within the first 90 days from policy effective date or date of effectivity of last reinstatement is not covered.  
  2. Orthodontic treatment crowns, root canal, cosmetic dental surgery, odontoclastic resorptive lesions, preventive care, and experimental procedures are not covered.  Please read the Terms and Conditions for the complete list of exclusions.

The policy will pay the amount indicated on the benefit table due to the following:

Death as a result of the covered accident.  Please read the Pet Medical Reimbursement for Covered Accidental Injuries for the list of covered accidents or refer below. 

  • Bone fracture
  • Burn or electrocution
  • Complications from drowning
  • Bite wound or fight wound abscesses
  • Tick paralysis
  • Snake bite toxicity
  • Foreign body obstruction
  • Poisoning
  • Embedded grass seed
  • Anaphylactic shock or allergic reaction to insect or arachnid bites
  • Torn nail    

Death due to essential euthanasia as a result of the covered accidental injuries and illnesses.  Please read the Pet Medical Reimbursement for Covered Illnesses and Pet Medical Reimbursement for Covered Accidental Injuries for the list of covered accidental injuries and illnesses or refer below.

  • Cancer, lumps, cysts, growths;
  • Cherry Eye;
  • Non-Diabetic Cataracts;
  • Cruciate Ligament Condition or Traumatic Ligament or Tendon Injury;
  • Intervertebral Disc Disease (IVDD);
  • Urinary Tract Infection, Disease, and/or Obstruction;
  • Gastric-Dilatation Volvulus (GDV);
  • Hip Dysplasia;
  • Pyometra;
  • Gastrointestinal Problems;
  • Outer and Inner Ear Infections;
  • Arthritis;
  • Renal Disease.

The following are not covered under this benefit:

  • Voluntary euthanasia i.e. non-essential euthanasia
  • Accidental death or euthanasia occurring outside of the Philippines.

The policy will reimburse 90% of the following expenses from legal liability you incurred up to the amount stated in the benefit table due to the actions of the pet:

  1. Medical necessary expenses of others as a result of an injury caused by your pet;
  2. Veterinary expenses of a pet of others as a result of an injury caused by your pet;
  3. Legal fees in defending a claim against you;
  4. Repair or replacement costs incurred due to damage to the property of others.

Notes:

  1. You must immediately notify BDO Insure or the insurance company of any incident that may be potentially claimable under this benefit.
  2. You must not agree to pay or settle any amount or negotiate without the consent or approval of the insurance company, except for medically necessary expenses for immediate relief of the other person and/or his/her pet.
  3. Liability caused by your pet with a history of aggression, punitive damages, and liability occurred outside of the Philippines are not covered.  Please read the Terms and Conditions for the complete list of exclusions.

The policy will reimburse 90% of the Veterinary Expenses incurred up to the amount indicated on the benefit table due to the covered condition sustained by your pet under the Medical Reimbursement due to Specified Accidental Injury Benefit, Medical Reimbursement due to Specified Illness Benefit, or Acute Dental Conditions Benefit, if you availed these benefits, sustained while on a trip outside of the Philippines with your pet. 

This benefit is subject to the following:

  1. The international trip must not be more than 30 days,
  2. The payment will be in PHP at the exchange rate on the date of the claim notification,
  3. You must obtain the required permit from the Bureau of Animal Industry, airline, or shipping company for the pet and must comply with the requirements for international pet travel of the destination country.

The following are not covered:

  1. Any veterinary expenses if the international trip is more than 30 days
  2. Any veterinary expenses If the pet or the pet owner live permanently outside of the Philippines
  3. Exchange commission or bank charges incurred for foreign payment
  4. Any veterinary expenses if the pet was not under the direct care of the pet owner
  5. Any Veterinary Expenses arising from a condition sustained while in quarantine
  6. Any travel or repatriation charges to return the Insured Pet to the Philippines.

The policy will pay the amount indicated on the benefit table in the event of a Petnapping of the pet committed by a Third Party occurring within the Philippines. The Petnapping must be reported to the police within forty-eight (48) hours of discovering the Petnapping of the pet. The Petnap Benefit shall only be payable once during the lifetime of the Insured Pet.

General Terms for Pet Dog and Cat Insurance

  1. Veterinary Expenses means the reasonable, customary and Medically Necessary expenses incurred and paid in respect of customary examination, consultation, diagnostic work-up (diagnostic imaging, laboratory works, histopathology examination, etc.) and Veterinary Treatment and Management prescribed and/or provided by a Veterinarian during the coverage period

  2. Veterinary Treatment and Management means reasonable and customary medications, hospitalization/confinement, surgery, nursing and other care and procedures prescribed and/or provided by a Veterinarian to relieve or cure a disease, Specified Illness, Specified Accidental Injury, or Acute Dental Condition during the coverage period.

  3. Medically Necessary means a treatment that is in accordance with accepted standards of veterinary practice and absolutely necessary to protect and enhance the health status of the Insured Pet and could adversely affect its condition if omitted.

  4. Please read the Terms and Conditions for the complete list of the definitions of terms.

  5. There are exclusions to the coverage of this policy. For complete details on this, please read the Terms and Conditions.

  6. Only the insured pet owner can claim the benefits (except for Accidental Death Benefit). To know more about this, please contact us at +63 (2) 8838-2364 or email us at bdo-insure@bdo.com.ph.

  7. You may only purchase one Pet Insurance for your pet.

  8. You may request for the cancellation of your policy to BDO Insure subject to the approval of the insurance company. The insurance company has the right to retain a portion of the premium (including the taxes) as indicated on the Terms and Conditions.

Frequently Asked Questions

It is a pet insurance that provides medical reimbursement for covered accidental injuries, plus accident insurance for the pet owner. Depending on your and your pet’s lifestyle and your budget, you can choose to add any of the following benefits:

  • Pet Medical Reimbursement for Covered Illness
  • Pet Owner’s Liability
  • Pet Acute Dental Conditions Benefit
  • Pet Accidental Death or Essential Euthanasia Benefit
  • Petnap Benefit
  • Pet International Travel Emergency Medical Treatment Benefit

Yes. Eligibility age for the pet owner Accidental Death & Disablement Benefit is 18 - 70 years old. You should be in good health and actively and independently performing three (3) or more of the Activities of Daily Living namely washing, dressing, transferring, mobility, toileting, feeding, without any aid or support.

Please see Eligibility/ Description of the Insured Pet Owner on page 8 of the Policy Contract.

Yes.  All dogs and cats as long as they have a Pet Book and between 3 months to 6 years can buy Pet Dog and Cat Insurance.

Yes.  The Pet Dog and Cat Insurance is renewable until your pet dog or cat reaches 12 years old as long as your pet is continuously insured since the age of six (6).  However, in case there is a lag in renewal (e.g. policy expired May 30 and you re-enrolled June 30), the waiting periods for injury and sickness will have to be observed again. 

No, the Pet Dog and Cat Insurance is not transferrable.  In case of claim, only the pet dog or cat enrolled is covered by the insurance plan.

The following are the illnesses covered:

  • Cancer, lumps, cysts, growths;
  • Cherry Eye;
  • Non-Diabetic Cataracts;
  • Cruciate Ligament Condition or Traumatic Ligament or Tendon Injury;
  • Intervertebral Disc Disease (IVDD);
  • Urinary Tract Infection, Disease, and/or Obstruction;
  • Gastric-Dilatation Volvulus (GDV);
  • Hip Dysplasia;
  • Pyometra;
  • Gastrointestinal Problems;
  • Outer and Inner Ear Infections;
  • Arthritis;
  • Renal Disease

No. Only injuries arising from an accident that is a consequence of or results in one of the following:

  • Bone fracture
  • Burn or electrocution
  • Complications from drowning
  • Bite wound or fight wound abscesses
  • Tick paralysis
  • Snake bite toxicity
  • Foreign body obstruction
  • Poisoning
  • Embedded grass seed
  • Anaphylactic shock or allergic reaction to insect or arachnid bites
  • Torn nail

None. All veterinarian who are legally licensed and accredited by the Professional Regulation Commission to practice veterinary medicine and surgery other than the Insured Pet Owner or the Insured Pet Owner’s spouse, parent, child, brother or sister and all veterinary clinic are acceptable as long as they are properly licensed by the regulatory bodies.

No.  The Pet Dog and Cat Insurance covers only veterinary expenses arising from the covered accidental injuries or illnesses. 

Please contact us at +62 (2) 8838-2364 and we will guide you through the process.

General Requirements for Claim: 

  1. Pet Insurance Claim Form
  2. Medical Records
  3. Pet Owners' Valid ID
  4. Official receipts
  5. Pet Veterinary Records

Disclaimer: These are only general descriptions of the benefits of this insurance product. We encourage you to learn more on how it can help secure your finances. Specific conditions and terms and conditions in insurance policy will apply.

 

Terms and Conditions

View and download Pet Dog and Cat Insurance policy terms and conditions

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Contact us

BDO Corporate Center

BDO Insure Head Office

43/F - 44/F BDO Corporate Center Ortigas, 12 ADB Avenue, Ortigas Center, 1550, Mandaluyong City

BDO Corporate Center

BDO Insure Contact Center

(+632) 8838-BDOI or 8838-2364

BDO Corporate Center

bdo-insure@bdo.com.ph 

You can also send us a message here.

BDO Corporate Center

Domestic Toll-Free   

1800-10-8382364

BDO Insure is a registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines (www.insurance.gov.ph). Insurance Broker License No. IB-13-2022-R. The BDO Insure trademarks are owned by BDO Insurance Brokers, Inc.