Yes! Most providers (like Malayan, PetSure, and Cocogen) offer coverage nationwide. What matters is whether your vet is accredited or if you can file claims with any licensed vet.

It depends on the provider and plan. Basic accident-only plans start as low as ₱560/year, while comprehensive coverage with illness, hospitalization, and preventive care can go up to ₱650/month or more.

Some insurers (like Malayan) allow reimbursement from any licensed vet, while others (like PetSure) work best with accredited partner clinics. Always check the provider’s vet network before enrolling.

Most providers cover dogs and cats between 3 months to 6–8 years old. Some premium plans may also cover older pets or have options for exotic animals.

Basic plans usually don’t, but premium plans (like PetGuard and Pawfect) may include preventive care such as vaccines, deworming, or even alternative therapies.

Pre-existing conditions are not usually covered. However, some insurers may provide limited coverage after a waiting period or offer plans for chronic care at higher premiums.

Yes! Many insurers allow multiple pets under one plan or give discounts if you enroll more than one pet — perfect for multi-pet households in your area.

Usually, you need to submit your vet’s medical report, receipts, and claim form. Some insurers (like Pet Insure via GCash) let you file claims digitally, making it faster and easier.

Some providers (like Cocogen and AIBC) include owner accident or liability coverage if your pet accidentally injures someone or if you’re involved in an accident while caring for your pet.

If your pet is generally healthy, insurance can feel optional. But when accidents, emergencies, or illnesses strike, coverage can save you from spending ₱20,000–₱50,000+ in one go. For most pet parents, it’s peace of mind.