🐾 Best Pet Insurance in Manila, Philippines
🐶 Why Pet Insurance Matters in Manila
As the nation’s capital, Manila is busy, crowded, and full of risks for pets. From condo living to bustling city streets, pets here face unique challenges: stress, limited space, and exposure to pollution or accidents.
Vet bills in Metro Manila can be some of the highest nationwide, often ranging from ₱3,000 for minor cases to ₱40,000+ for emergencies. Pet insurance is a must-have to balance rising costs with the best care for your furry friend.
Why it matters in Manila:
-
🚦 High Urban Risk – Busy traffic and crowded neighborhoods mean more exposure.
-
🏥 Specialist Access – Manila has top vets and clinics covered by insurance.
-
💸 Peace of Mind – Financial protection in a city where costs are high.
🏆 Top Pet Insurance Providers in Manila
| Provider | Coverage Highlights | Pricing Range | Why It’s Good for Manila Pet Owners |
|---|---|---|---|
| Malayan Pet Care Insurance | Accidents, illnesses, burial assistance, liability coverage | From ₱1,125/year | Popular nationwide; widely accepted in Manila’s top veterinary hospitals |
| BPI/MS Pet Insurance | Accident + liability coverage | From ₱560/year | Affordable choice for pet owners in Manila’s urban communities |
| PetSure (via partner vet clinics) | Accidents, illnesses, hospitalization, surgery, optional routine care | Varies (monthly/annual) | Strong network with Manila vet clinics; great for active pets |
| Metrobank Insurance (Pet Plan) | Accident + routine care options | ₱X–₱X/month | Good for multi-pet households across Manila’s condo-living families |
| Cocogen Pet Furtect | Vet bills, hospitalization, lost pet assistance, death, owner coverage | Quotation-based | Extra protection for busy Manila pet owners who travel frequently |
| Pet Insure via GCash (Igloo + Malayan) | Medical reimbursement, cruciate injuries, burial, liability, owner’s accident coverage | From ₱650/month | Easy GCash signup — perfect for Manila’s digital-savvy millennials |
| Pawfect Insurance | Hereditary & congenital conditions, alternative therapies, surgeries, hospitalization | ₱X–₱X/month | Best for pedigree cats and dogs popular in Manila’s pet shows |
| PetGuard Insurance | Illness, accidents, surgery, hospitalization, preventive care, chemo, physiotherapy | ₱X–₱X/month | Premium plan for pets needing advanced veterinary care in Manila |
| RAROCO Insurance Brokers | Diagnostics, treatments, surgeries, preventive care (acts as broker) | Quotation-based | Gives Manila pet owners flexibility to choose from multiple insurers |
| Bewiser Philippines | Medical reimbursement, burial, liability, owner’s accident coverage | ₱X–₱X/year | Balanced option, convenient for first-time Manila pet parents |
| AIBC (Accident & Illness Benefits for Companion) | Pet & owner accident/illness, financial aid, missing pet compensation | ₱X–₱X/year | Best for Manila families wanting bundled protection for pets and owners |
| MICI Pet Insurance | Accidents, medical, burial (simple application) | ₱X–₱X/year | Quick sign-up process; good for busy Manila professionals with pets |
🔑 How to Choose the Right Plan for Your Pet inManila
Before you pick a plan, consider:
Age & Breed
Lifestyle
Budget
Lifestyle
Clinic Access
Add-Ons & Benefits
💡 Pro tip: Always ask your vet if they’ve worked with your chosen insurer before. A little research now saves you a lot of stress later.
❓ FAQs About Pet Insurance in Manila
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.
❤️ Ready to Protect Your Pet in Manila?
In the capital, your pet is not just a companion — they’re family. Pet insurance ensures that no matter the circumstance, you can give them the best care possible without stressing over the bill. Compare plans today and keep your Metro Manila pets safe, healthy, and happy.
