Top Pet Insurance Companies in the UAE (2025 Rankings)

Pet expenses, emergency care, vaccinations, and diagnostics can be expensive, especially for certain high-risk breeds. Moreover, this greater awareness has translated into the demand for pet insurance that is affordable and effective becoming gigantic.

As 2025 is a key year to move towards digitization for the insurance industry, the UAE today has a mix of traditional players and InsurTech innovators that offer pet insurance products, which are in sync with modern needs. In this comprehensive guide, we enumerate the top pet insurance companies in the UAE for 2025 on the parameters of coverage, customer service, affordability, and digital ease.

1. Shory – Best for Instant insurance Coverage

Shory has become the top InsurTech firm in the UAE, transforming how pet parents purchase and administer insurance. Rolled out in 2022, Shory was soon making waves for its lightning-quick digital process, where users could obtain car or pet insurance within a mere 90 seconds. Its website is easy, clear, and completely paperless—something that will appeal strongly to pet owners who are tech-savvy.

In the market of pet insurance, Shory offers policies covering a broad scope of veterinary costs, including surgeries, diagnostics, emergency appointments, and more. It has one primary advantage in that users are able to compare real-time quotes between different insurers in order to secure the best deal without having to spend hours sifting through manually.

Apart from coverage, Shory provides convenience with different payment channels, i.e., 0% interest installment plans. Having been certified by the UAE Central Bank, Shory enjoys strong financial backing as well as regulatory strength. Its noteworthy 4.9-star rating on Google is another testament to its exemplary customer support.

For anyone seeking quick, reliable, and timely pet insurance in the UAE, Shory is the cream of the crop in 2025.

2. RSA Insurance – Generations Have Trusted Us

RSA Insurance is one of the oldest and most established insurers in the UAE, highly regarded for delivering comprehensive protection with various lines of insurance. Its pet insurance cover is crafted with reliability and predictability, which long-term residents and expats find appealing.

While RSA's business model is more traditional than InsurTechs such as Shory, their heritage for dependability in service and claims-handling is solid. Their policy standard usually includes accident coverage, sickness coverage, and emergency treatment coverage, with add-ons available for wellness and regular care.

RSA will not be as accommodating online, but their long experience and solid foundations are a great choice for consumers who prioritize heritage over speed.

3. Dubai Insurance Company – Government-Linked Simplicity

Dubai Insurance Company has carved a niche for itself with its policies that are usually linked with the government, such as pet registration and Dubai Municipality compliance. Pet insurance policies from them are less costly and are meant for pet parents who need minimum cover without much extravagance.

Even though the plans do not cover extended wellness or e-onboarding, the trust and goodwill lent by association with the local authorities lend credibility to the brand. It's a particularly appealing option for first-time pet owners or owners on a tight budget.

4. Orient Insurance (Al-Futtaim Group) – Comprehensive Medical Coverage

Orient Insurance, owned by the Al-Futtaim Group, has some of the most well-rounded pet insurance policies to be found in the market. Their packages cover everything from chronic care to dental procedures, vaccinations, and even a bit of behavioral therapy in some cases.

Orient is superior based on extensive hospital and veterinary clinic networks, allowing more flexibility in choosing service providers. Their premiums tend to be higher, but the payoff is full coverage and peace of mind, especially for animal breeders who have animals with genetic illnesses.

Their Internet services have expanded in recent years, but the complete enrollment process can still be fairly paper-intensive depending on the policy type.

The most recent innovation in the UAE pet insurance market is embedded insurance via e-commerce websites and pet hospitals. PetSure, for example, offers micro-policies at checkout on websites like Petzone or Noon. These are typically short-term and low-commitment policies that offer accident or illness coverage as part of pet care product packages.

While not as comprehensive as Shory or Orient, the added convenience of purchasing insurance when one buys pet food or makes a vet appointment makes it more accessible. These policies are perfect for pet owners who wish to try things out or require immediate temporary coverage.

How to Choose the Right Pet Insurance Provider in the UAE

Selecting the ideal pet insurance policy takes more than selecting the lowest premium. Your pet's age, breed, medical history, and lifestyle should all be taken into account. Younger pet owners may emphasize prevention and vaccination, whereas seniors will require chronic disease management.

Below are a few things to consider:

Coverage Inclusions: Always see what is covered—accidents, illnesses, wellness, diagnostics, etc.

Exclusions: Understand what is excluded, such as pre-existing conditions, elective care, or particular breeds.

Claim Process: An accelerated, web-based claim process like Shory's can be a time and hassle saver.

Payment Flexibility: Some have monthly payment plans or for multiple pets.

Veterinary Network: Check your preferred vet or clinic is part of the insurer's network, especially for direct billing.

Pet Insurance Trends in the UAE – 2025 Outlook

The UAE pet insurance industry is changing at a very rapid rate. What was a luxury has now become a necessity due to numerous driving forces.

To start with, there has been growth in the number of pet owners within the Emirates and particularly among millennials and expats, which has witnessed a health-conscious and knowledgeable customer base. Such pet owners desire convenience of experience, transparency, and affordability, leading to digital-born InsurTech companies such as Shory.

Second, regulatory frameworks are adapting to support more structured and standardized pet healthcare. It is most evident in those cities where pet registration and health certification are required by law.

Finally, veterinary clinics and e-commerce websites are supporting the development of insurance takeup by offering bundled deals upon purchase. All these trends are likely to grow in 2025 and beyond.

Common Pitfalls to Avoid

Although the advantages of pet insurance are obvious, pet owners must watch out for the loophole. Pre-existing conditions are not covered in many policies, and that can be a turnoff for older animals or rescues. Some policies also limit the maximum annual or lifetime benefit payment for specific procedures, which can equal surprise out-of-pocket costs.

The second most common problem is delayed reimbursement. Providers with outdated claim systems take weeks to settle a claim. This is where digital-first platforms such as Shory again get the edge by offering claims tracking in real-time and faster processing.

Final Thoughts

As veterinary costs in the UAE continue to rise, it is no longer just a smart move to purchase an insurance policy for your pet—it's the right thing to do. Adopting a trouble-loving kitten, bringing home an older rescue, or coping with a high-maintenance breed are all scenarios where the proper insurance policy can give you peace of mind and financial protection.

In 2025, Shory dominates the UAE pet insurance market with its rapid, transparent, and consumer-centric model. Other companies such as RSA and Orient provide robust conventional solutions, while newer players such as PetSure provide niche convenience.

By taking the time to assess your pet's requirements and assign them to the best provider, you can guarantee your four-legged family friend the best possible care—without making it cost the earth.