How much will my cover cost?

You can find out by getting a quick quote Your personal quote will depend on various factors, such as your pet’s age and breed, along with the product you choose.

What is the difference between Lifetime and Time Limited cover?

Lifetime cover is typically seen as the premium option and is ideal if your pet develops a long-term illness, such as diabetes or arthritis. The policy limits are refreshed each year, so you know your pet is always covered, even for ongoing medical conditions, provided you remain insured with Moo Pet.

Time Limited cover is designed for pet owners wanting a pet policy that covers the essentials. It will cover your pet for short-term illnesses and injuries for up to 12-months from the date the illness or injury was first noticed, provided you remain insured with Moo Pet

What does Deductible mean?

The Deductible is the percentage (%) portion of the claim amount, which is subject to a minimum 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

When does my cover start?

Cover will commence 30 days after the initial start date of your policy. This is known as the initial exclusion period. Accidents and illness manifesting in this 30-day period will not be covered.

This initial exclusion period only applies when you first take out your policy, not at renewal

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:

  • Signs or symptoms of diagnosed or undiagnosed injuries or illnesses
  • Existing illnesses or injuries
  • Existing physical abnormalities
  • Existing illnesses, injuries or physical abnormalities which lead to other health issues
  • Illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities

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.

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.

Is there cover for vaccinations/neutering/microchipping /routine care/preventative treatment/dental?

This policy provides cover for costs associated with illness or injury. Preventative and routine procedures (such the above) are not covered. Dental treatment is only covered if required as the result of an accident.

What happens when my dog or cat gets older, will you still cover them?

Yes, our policies cover your pet year after year 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.

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.

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.

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 are maximum limits per policy year for CT and MRI scans and you should refer to your Policy Schedule for details of the limits that apply.

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 30 days of the initial commencement of the policy.

Is there an approved network of vets that I must use?

No. 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 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. In this case, you should ask your vet to carry out a full medical check-up before taking out the policy to identify any medical conditions that exist or may exist as these will be considered pre-existing conditions and will not be covered by the policy.

If my pet has a congenital illness or something that was present at birth, is this covered?

This policy does not include congenital illness, defect or abnormalities that it was born with.

Is dental treatment covered?

Moopet covers dental treatment only as part of an accidental injury claim.

I have just spent a lot of money on my dogs teeth would this be covered?

This will depend on the reason your dog needed the dental treatment. If your dog was injured accidentally and you can claim for the incident under the vet’s treatment section of the policy, the dental treatment will be included. This includes dental extractions and gum repair. If the dental work is not required due to an accidental injury, the dental work is unfortunately not covered.

Can I claim for dental descale and polish procedures?

Moopet doesn’t offer dental cover for preventative measures. Just like your annual health check and vaccinations, it is your responsibility to keep on top of your pet’s dental health, but you cannot claim for the cost of these treatments under your policy.

My pet needs to have teeth extracted due to periodontal disease. Is this covered?

The policy does not offer dental cover for conditions related to disease. This includes periodontal diseases like gingivitis or epulis, as well as plaque build-up or cavities, or any other illnesses that cause erosion or other damage to your pet’s teeth.

My pet has stopped eating and my vet recommended a dental procedure. Is this covered?

The policy only offers cover for dental treatments if your pet has suffered an accidental injury. If the dental work is not required due to an accidental injury, the dental work is unfortunately not covered.

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.

How can I update my contact details or let you know if any details are incorrect on my policy?

Please email or call us at +971 4 422 9688.

How do I make a claim?

To make a claim you will need to complete the claim form found on our website at Make A Claim. Submit your claim form along with the supporting documentation via email to

How can I renew my policy?

We will issue the renewal notice 21 days before the expiration date of the existing policy.