Check out what you need to do before you claim, at time of claim and other frequently asked questions.
How much will my cover cost?
You can find out by getting a quick quote https://moopetcover.com/quote/details. Your personal quote will depend on various factors, such as your pet’s age and breed, along with which Cover Limit you choose.
What is Moo Pet?
Moo Pet is a brand of Alliance Insurance PSC. We launched our pet insurance programme after hearing from thousands of owners about what they wanted from their Insurer. Moo Pet is based on the needs of the pets and their owners and we’re continually looking at ways we can improve what we offer.
What is lifetime cover?
Whether you pay for your policy annually or monthly, your policy becomes due for renewal annually. The Cover Limit is then refreshed and applied again at renewal. For example, if you had chosen a Cover Limit of $4,000 and you claimed $2,000 during one policy year, your Cover Limit would refresh to $4,000 at renewal. The Cover Limit does not get depleted over the lifetime of your pet – it is an annual limit that is replenished at each annual renewal.
What happens when my dog or cat gets older, will you still cover them?
Yes, our lifetime policies cover your pet year after year, for your pet’s lifetime, provided that you have renewed the policy annually for the life of the pet(s), i.e. as long as you don’t cancel your policy or let it lapse. The policy benefits are annual benefits and are reinstated annually. Your Deductible percentage may increase once your pet is over 8 years old.
Why does my pet have to have an annual health and dental check?
You must take reasonable steps to maintain your pet's health throughout the life of the policy and to prevent injury and illness. Therefore, you must arrange and pay for your pet to have an annual health and dental examination by a vet in order to prevent illness or injury and get any treatment they recommend carried out. Failure to observe these conditions will invalidate your policy.
What does Deductible mean?
The Deductible is the percentage (%) portion of the claim amount for which you are liable for any accepted claim. We will automatically reduce the claim amount by the Deductible percentage (%) when assessing your claim, meaning whoever is the payee on the claim will receive the accepted claim settlement amount less the Deductible. Please make sure you check the Deductible on your policy documents carefully as your cover can change at renewal.
How can I update my contact details or let you know if any details are incorrect on my policy?
Please email firstname.lastname@example.org or call us at +971 4 422 9688.
I have more than one pet to insure, can I get a discount?
Yes, there are discounts available for multiple pets. The discounts are reflected in your quote.
How can I renew my policy?
We will issue the renewal notice 21 days before the expiration date of the existing policy.
Why do I need pet insurance?
Moo Pet insurance protects your Pet in the unfortunate event that your Pet becomes ill or is accidentally injured. It allows you to have peace of mind knowing that in the event of an unforeseen event your furry friend will be protected by Moo Pet insurance.
When does my cover start?
Your policy will commence on the start date selected by you and as shown on your schedule of insurance. There is a 14 day Initial Exclusion Period from the start date of the new policy.
What if I change my mind and no longer want the policy?
You may cancel your policy at any time. However you will only receive a full refund if you cancel within 14 days of taking out the policy and provided we have no record of any claims being notified.
After the 14 day cooling off period you may cancel the policy at any time by giving us 14 days notice, we will refund a proportion of your premium provided that no claim has been paid, made or notified, in that circumstance we will be entitled to retain all your premium.
Will my cover start from the first day itself once I purchase Pet Insurance from you?
Insurance cover will commence 14 days after the initial start date of your policy. This is known as the initial exclusion period. Accidents and illness manifesting in this 14-day period will not be covered.
Does it cover X-rays, CT scan, MRI, surgery etc?
The policy provides cover for diagnostic, medical and surgical treatments if they are required as part of diagnosis/treatment for an illness/injury covered by this policy and the costs are reasonable and customary. There is a maximum limit of $1000 per policy year for CT and MRI scans.
Are there age restrictions that apply to the policy?
We cannot provide new policies for dogs aged under 3 months or over 8 years.
We cannot provide new policies for cats aged under 3 months or over 9 years.
If you have an existing policy the upper age limit does not apply. We will not cancel it or refuse renewal based on your pet’s age, providing your premium is paid on time and your policy is renewed.
Your Deductible percentage may increase once your pet is over the age of 8; please refer to your policy schedule for details.
Does it cover vaccinations/neutering/microchipping /routine care/preventative treatment/dental?
This policy provides cover for costs associated with illness or injury. Preventative and routine procedures (such as the above) are not covered. Dental treatment is only covered if required as the result of an accident.
Will you pay the vet directly or do I pay and claim it back afterwards?
We can pay you directly or make payments to your vet, providing you have agreed this with them.
We will not make payments to any other third parties.
Do I have to do anything before taking out the cover?
Your pet must be in good health, licensed, microchipped, tagged, and free from injury or illness.
Do I have to do anything after taking out the cover to ensure it remains valid throughout the policy period?
Take proper care of your pet. This includes taking it for a general health and dental check at least every 12 months and regular vaccinations as recommended by your vet.
Your pet must be kept in a secure area. Any fences and enclosures must be capable of retaining your pet and all gates, openings and so on must be kept secure. When your pet is on a public highway, it must be kept on a collar and lead and under control. If your dog is a controlled breed, then they must remain muzzled and on a lead at all times.
You must ensure your premium is paid in full and on time.
Does it cover vet’s fees and prescriptions?
Yes. We will pay reasonable costs for your pet’s veterinary treatment and necessary prescriptions for an illness or accidental injury that is covered by the policy.
If my pet already has a medical issue, will the insurance cover it?
No. This policy does not cover pre-existing conditions, any costs caused by or related to a pre-existing condition, or any conditions that occur within 14 days of the initial commencement of the policy.
Does it cover dental treatment?
No, this policy does not cover dental treatment unless there is dental treatment required following an accident.
Does it cover annual check-ups and vaccinations?
No, the product only covers accident and illness related events.
What network to use?
We have an open network which means that you can go to any licensed vet within the UAE to have your pet treated.
My dog/cat breed is not listed on the website, what should I do?
If your pet is not listed on the website, please contact email@example.com or call us at +971 4 422 9688 for assistance.
What happens if I adopt an animal and am unaware of its previous medical history?
We will always ask for the pet's full medical history; however, we are aware that this may be limited if the pet has been rehomed.
If my pet has a congenital or hereditary issue or something that was present at birth, is this covered?
The policy does not exclude congenital issues or issues that have been present at birth unless:
What is a pre-existing condition?
Pre-existing conditions are health conditions that have arisen before you take out an insurance policy. Pet insurance is designed to cover unforeseen incidents, so if your pet has already suffered an illness or injury before you insure them, this injury or illness will not be covered by your new policy.
For the avoidance of doubt, pre-existing conditions can be classed as any of the following:
We would consider a bilateral condition (occurring on both sides of the animal’s body at different times, such as hip dysplasia or cruciate ligaments) as pre-existing if one side of the body has had a similar issue prior to the inception of the policy.
Is there a discount for more than 1 pet?
There is a 10% discount on any additional pet if you are insuring more than one pet with us.
Can I pay for my policy monthly?
Yes, we offer both monthly and annual payment options.
Can I take out a policy online?
Yes, it’s quick and easy to take out a policy via our website.
If you have any further questions, you can contact us in the following ways:
+971 4 422 9688