Best Pet Insurance cover in Kenya

You have a dog or cat you wish to insure in Kenya, there are a number of companies offering pet insurance. One advantage of this cover is that in case your pet bites a person, you will not incur the costs of treating the victim. Another advantage is that your pet will be covered against injuries and sickness.

Below is a list of the best pet insurance covers in Kenya

APA INSURANCE

The Pet Insurance by APA covers against accident, disease, epidemics or euthanasia on advice of a qualified vet doctor

The following are circumstances under which the insurance covers a pet:

• Accidental death caused by lightning, internal and external injuries, windstorm, snake bite, electrocution, flood, etc.
• Illness or disease.
• A 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 favorable outcome, the pet can be put to sleep on the advice of a qualified veterinary surgeon to prevent suffering.

Straying and Theft risks

Where a pet leaves its home and cannot be traced and is presumed dead after a defined period. The insurance can help recover the dog or purchase another one.

Medical Cover (optional)

This is an optional benefit loaded to the basic cover and covers Medical expenses incurred as a result of illness and/or accident where treatment is carried out by a qualified veterinary surgeon.

You will pay as little as Ksh 1,000 monthly for the cover.

ICEA LION

ICEA LION will cover you as the dog owner if your dog damages property or in the unfortunate event that your dog injures or kills someone or someone falls ill as a result of an incident involving the dog. The liability limit under this section is Kshs. 2,000,000/=

What Else Should I Know About The ICEA LION

Dog Insurance?

• The cover does not include roaming Mongrels.

• All compensation for any incident under sections 1, 2 & 3 shall be less the applicable Excess/ deductible amount of 10% of the sum assured. Section 4 does not have any deductible amount attached.

• Dog Insurance is ONLY available for pets between 6 months and 10 years old. Dogs kept purely for security purposes MUST be referred to the company.

• The cover does not offer a last (funeral) expense benefit for your dog.

• The minimum accepted value of a dog for this type of insurance is Ksh 20,000. There is no maximum value, however, all dogs worth more than Ksh 200,000 have to be referred to us for a customized package.

• The dog will be insured at the value you declare.

Now that you understand the basics of our ICEA LION Dog Insurance and would like to insure with us see below a self-rating table for an estimate of the premium you will pay:

JUBILEE INSURANCE

Jubilee insurance offers the best medical cover as well as Pet Insurance. The pet insurance cover caters for medical related cases, deaths and in case the pet gets lost.

Claims are processed within 10 working days.

You can get a quote from the company by contacting them through their website.

COOPERATIVE BANK

The bank is rated highly in terms of transparency and claim processing. It’s one of the few banks in Kenya that offer pets insurance.

What is covered

This insurance provides protection against loss arising from death of specified pets due to unavoidable or uncontrollable circumstances noted below:

a. Death due to:

• Accidents.
• Lightening.
• Internal & external injury.
• Pregnancy complications.
• Fire, Windstorm and flooding.
• Snake bites.
• Illness and disease of terminal nature.
• Epidemics.
• Euthanasia on advice of a qualified veterinary officer.

b. Theft.

Basis of valuation
Coverage is based on the veterinary valuation and health report which is agreed prior togoing on cover.

Premium Rate
4% for death and theft. Minimum of KES 2,500 per policy.

Commencement of Cover
The pet owner must submit a veterinary report showing the pet is in good and sound health prior to going on cover.

The pet owner must submit his/her vaccination regime before we go on cover and must maintain and follow strictly the said biosecurity and vaccination regime for the pet.

Excess
10% of each and every claim.

Features

• The policy is issued annually.
• Insured value is as per veterinary’s certificate.
• The cover is affordable and convenient.
• Premium is payable upfront.
• Simple application process.
• Reliable claims service.

To get started, contact Cooperative Bank through their website. You will be provided with a form to fill.