Vet Care Cover

Pet insurance pays, partly or in total, for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen.

Why Pet Insurance?

Pet medical insurance is essentially a risk mitigation strategy for guarding against significant medical expenditure for treatment of sick or injured pets. Pet owners could be slapped with costs they are not prepared for and the right pet insurance can offer financial assurance and access to the best possible care for their pets. While many of the pet costs come down to food and basic care, an emergency vet visit can cost thousands of shillings. With the recent developments in the field of veterinary medicine the life expectancy of pets has increased, so has the cost of medical treatment. This has widened the market for pet insurance. Nowadays customized pet plan insurance programs are available for animals like cats and dogs.

Which Insurance Covers are there for pets in Kenya?

The cover spans over treatment expenses, public loss and can also be customized to include death due to accidental poisoning, accident in transit by air, rail or road, and risks associated with animal shows in Kenya, besides burglary and breeding risks. If the animal is incapacitated and unable to work, which is considered equivalent to death, this eventuality can also be insured.

Sample Cover – GA Insurance Kenya

The insurance will pay the owner of the animal should the animal die in any of the following circumstances:

• Accidental death caused by lightening, internal and external injuries, windstorm, snake bite, electrocution or flooding etc.
• Illness or disease
  Widespread outbreak of an infectious disease affecting many animals at the same time in a region.
• Where your animal is in a great deal of pain and there is no chance of a favourable outcome, the pet can be put to sleep on advice of a qualified veterinary surgeon to prevent suffering.

Straying and Theft risks
Where a pet leaves its home, stolen and cannot be traced and is presumed dead after a defined period, agreed value of the dog will be paid, if it does not have a definite value ,then market value of the dog will be paid.

Veterinary Fees
Any treatment to the Insured animals that shall be carried out only by a qualified veterinary doctor will be paid. Every insured animal shall be vaccinated and dipped/sprayed regularly or in accordance with guidelines or instructions issued by a qualified veterinary doctor and proper records maintained to that effect. Such records will need to be provided to us if and when required
The cost of any treatment the dog has received during the Policy Year for an illness or injury. The Maximum amount payable under this section will be to a maximum of 40% of the dog’s value or as otherwise indicated on the Policy schedule.Incase the limit is exhausted during the same policy year, one can reinstate the cover by paying the applicable premium under this section.

Medical Cover
Medical expenses incurred as a result of illness and/or accident where treatment is carried out by a qualified veterinary surgeon

How much does pet insurance cost in Kenya?

Based on the value of the animal as per a qualified veterinary. For Medical Limit 10% of the value of Pet Min.Kshs.5,000 – GA Insurance

Which Insurance Companies provide Pet Insurance in Kenya?

Pet care insurance in Kenya is still at a nascent stage. But the market is growing with many insurance companies offering vet care covers. APA Insurance and GA Insurance are some of the industry players providing customized policies.