Best Pet Insurance in the Philippines – Protect Your Pets, Protect Your Wallet
🐶 Why Pet Insurance Matters in the Philippines
Our pets are more than just animals — they’re family. From tail wags to purrs, they bring unconditional love and companionship into our lives. But along with the joy of pet ownership comes responsibility, and sometimes, unexpected expenses.
In the Philippines, a simple vet consultation can cost ₱500–₱2,000, while emergency treatments and surgeries may go beyond ₱50,000. Without financial protection, these costs can be overwhelming, often forcing pet parents into tough decisions.
This is where pet insurance comes in. It helps cover the cost of accidents, illnesses, and even preventive care, so you can focus on keeping your furry friend healthy and happy without draining your savings. Whether you’re in bustling Metro Manila or the quieter provinces, insurance gives you peace of mind that your pet can get the care they need, when they need it.
🏆 Top Nationwide Pet Insurance Providers
Here are the leading providers offering pet insurance coverage across the Philippines:
| Provider | Coverage Highlights | Pricing Range | Why It’s Good for Pet Owners |
|---|---|---|---|
| Malayan Pet Care Insurance | Accidents, illnesses, burial assistance, liability coverage | From ₱1,125/year | Affordable, trusted nationwide, wide network of accredited vets |
| BPI/MS Pet Insurance | Accident + liability coverage | From ₱560/year | Budget-friendly and perfect for first-time pet insurance users |
| PetSure | Accidents, illnesses, hospitalization, surgery, optional preventive care | Varies (monthly/annual) | Flexible plans; works through accredited vet clinics |
| Cocogen Pet Furtect | Vet bills, hospitalization, lost pet assistance, death, owner coverage | Quotation-based | Comprehensive coverage for both pets and owners |
| Pet Insure via GCash (Igloo + Malayan) | Medical reimbursement, cruciate injuries, burial, liability | From ₱650/month | Easy mobile signup, perfect for digital-savvy pet parents |
| MICI Pet Insurance | Accidents, medical, burial | ₱X–₱X/year | Quick online application and smooth claims process |
📍 Best Pet Insurance by Province
Pet insurance coverage and availability can vary depending on where you live. To help you find the best options in your area, we’ve created state-specific guides:
Manila
Cavite
Laguna
Bulacan
Rizal
Pampanga
Batangas
Cebu
Iloilo
Negros Occidental
Pangasinan
🌟 Malayan Pet Care Insurance
As one of the largest and most trusted insurance companies in the Philippines, Malayan Pet Care Insurance is a popular choice for pet parents who want affordable yet reliable coverage. For as low as ₱1,125 per year, you get protection against accidents, illnesses, liability, and even burial assistance.
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Best For: Pet owners looking for trusted, budget-friendly coverage.
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Why Choose: Malayan has a wide network of accredited veterinarians nationwide, making claims easier wherever you are.
🌟 BPI/MS Pet Insurance
If you’re just starting out with pet insurance, BPI/MS Pet Insurance offers one of the most affordable entry points, starting at only ₱560 per year. While its coverage is mainly focused on accidents and liability, it’s a great option for families with active pets who may be prone to mishaps during walks or play.
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Best For: First-time pet parents who want a low-cost plan.
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Why Choose: Simple, budget-friendly, and backed by a strong financial institution.
🌟 PetSure (via partner vet clinics)
PetSure is unique because it works closely with veterinary clinics to provide flexible coverage options. Depending on the partner clinic, you can get accident, illness, hospitalization, surgery, and even preventive care coverage. Pricing is customized and can be paid monthly or annually.
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Best For: Pet parents who prefer flexible add-ons and direct vet partnerships.
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Why Choose: Strong vet partnerships make claims smoother; coverage can be tailored to your pet’s needs.
🌟 Cocogen Pet Furtect
If you want extensive protection, Cocogen Pet Furtect offers one of the most comprehensive packages on the market. Coverage includes vet bills, hospitalization, lost pet assistance, and even owner-related coverage. Since pricing is quotation-based, it can be customized to your pet and household.
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Best For: Families who want holistic coverage for both pets and owners.
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Why Choose: Extra benefits like lost pet assistance and coverage that extends to owners.
🌟 Pet Insure via GCash (Igloo + Malayan)
For tech-savvy pet parents, Pet Insure via GCash makes insurance accessible right from your phone. With monthly premiums starting at ₱650, coverage includes medical reimbursement, cruciate injuries, burial, liability, and even owner accident coverage.
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Best For: Busy, digital-first pet parents who want convenience.
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Why Choose: Easy signup and management via GCash app, no paperwork needed.
🌟 MICI Pet Insurance
MICI focuses on simplicity and accessibility. Their pet insurance covers accidents, medical expenses, and burial. While not as comprehensive as other providers, it’s known for its easy online sign-up process and straightforward claims handling.
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Best For: Pet parents who want a simple, no-frills plan.
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Why Choose: Hassle-free application process, making it great for first-timers.
❤️ Ready to Protect Your Pet?
Your pet gives you unconditional love every single day — and protecting them is one of the best ways to return the favor. With pet insurance, you can stop worrying about unexpected bills and start focusing on more belly rubs, walks, and cuddles.
Take the first step today:
👉 Compare providers, explore your province guide, and choose the plan that fits your pet’s needs.
Because every paw deserves protection. 🐾
