The Basics of Pet Insurance: A Guide for Pet Owners in the UAE

Pet insurance can be a lifesaver when it comes to unexpected veterinary bills. But understanding the ins and outs of pet insurance can be daunting. In this guide, we’ll break down the key terms and concepts to help UAE pet owners navigate the world of pet insurance with ease.

Accident Coverage:

Accident coverage helps cover expenses related to accidents and injuries, including diagnostics, hospitalization, treatment and medications.

Alternative Therapies:

These are non-traditional treatments like chiropractic care, acupuncture, and laser therapy, which can support your pet’s health and recovery.

Annual Limit:

The maximum amount you can be reimbursed each year, excluding your deductible. MetLife Pet offers flexible annual limits to suit your needs.

Bilateral Condition:

A medical condition affecting both sides of your pet’s body.

Chronic Conditions:

Long-lasting or recurring medical conditions that require ongoing care, like diabetes or arthritis.


Requests for payment of covered benefits submitted to your insurance provider. Easily navigate claims with MetLife Pet Insurance, ensuring you get reimbursed quickly for covered expenses. Click here to discover a list of our vet network partners.


The amount you pay before your insurance kicks in. MetLife Pet Insurance offers various deductible options for customization.

Effective Date:

The date your policy becomes active.


Expenses not covered by your policy. Stay informed about exclusions with MetLife Pet Insurance to understand what's covered and what's not. 

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We can help handle the vet bill. You handle the belly rubs.

Illness Coverage:

Coverage for expenses related to illness and health conditions, including diagnostics, treatment and medications.


An event like an injury or illness, that triggers coverage.

Lifetime Limit:

The maximum amount your insurer will reimburse over your pet’s lifetime.

Pre-Existing Conditions:

Health conditions present before the policy’s effective date, usually not covered. 


The cost of your insurance policy, which can vary based on factors like breed, age, coverage limit and more. 

Preventive Care Coverage:

Coverage for services like vaccinations and teeth cleaning to keep your pet healthy.


The money you receive for covered expenses after submitting a claim.


Continuation of your policy after the current [period ends, usually automatic if you’re in good standing.

Waiting Period:

The time between policy activation and overage start date.


Pet insurance can provide peace of mind and financial security for UAE pet owners. By understanding these basic terms, you can make informed decisions to protect your furry friend’s health and well-being. Ready to explore your options? Get a quote today and give your pet the protection they deserve.