Pet Insurance Kenya - Veterinary Care Coverage

Dogs

All breeds including large breeds (German Shepherds, Labradors), medium breeds (Beagles, Cocker Spaniels), and small breeds (Chihuahuas, Pomeranians). Some insurers may have breed-specific restrictions or higher premiums for breeds prone to health issues.

Cats

Domestic cats, mixed breeds, and purebreds (Persians, Siamese, Maine Coons, etc.). Both indoor and outdoor cats are typically covered.

Exotic Pets (Limited Availability)

Some specialized insurers may cover rabbits, birds, reptiles, and small mammals. Coverage options are more limited and may require specialty veterinarians in Nairobi.

Annual Coverage Limits

• Basic Plans: KES 200,000 - 500,000 per year
• Standard Plans: KES 500,000 - 1,000,000 per year
• Premium Plans: KES 1,000,000 - 2,000,000 per year
• Some plans offer unlimited coverage with sub-limits per condition

Deductibles

• Annual deductible: KES 5,000 - 20,000
• Per-incident deductible: KES 2,000 - 10,000
• Lower deductibles mean higher premiums

Reimbursement Rates

• 70% reimbursement: Lower premiums
• 80% reimbursement: Standard
• 90% reimbursement: Higher premiums

Standard Waiting Periods

• Accidents: 2-5 days (some policies have no waiting period)
• Illnesses: 14-30 days from policy start
• Orthopedic Conditions: 6-12 months (cruciate ligament issues, hip dysplasia)
• Breed-specific Conditions: 6-12 months

Pre-existing Conditions

Any condition that showed symptoms or was diagnosed before the policy effective date is considered pre-existing and is not covered. This includes:

• Chronic conditions (diabetes, arthritis, heart disease)
• Previous injuries or illnesses
• Conditions noted in veterinary records before enrollment

Tip: Enroll your pet while they're young and healthy to avoid pre-existing condition exclusions.

At what age should I insure my pet?

The younger the better. Most insurers accept pets from 8 weeks old. Enrolling early ensures no conditions develop before coverage starts. Some insurers have upper age limits (typically 8-10 years for new policies).

Can I use any veterinarian?

This depends on the insurer. Some require you to use network vets, while others allow any licensed veterinarian in Kenya with reimbursement. Always check the policy details.

How do claims work?

Most Kenyan pet insurance works on a reimbursement basis: you pay the vet, submit receipts and medical records, and get reimbursed within 14-30 days. Some providers offer direct billing at partner clinics.

Does pet insurance cover routine vaccinations?

Standard accident/illness policies typically don't cover routine care. You need to add a wellness rider or choose a comprehensive plan that includes preventive care.

What happens if I move or travel outside Kenya?

Most Kenyan pet insurance policies only cover treatment within Kenya. If you travel abroad, check if your policy includes international coverage or consider temporary travel insurance for your pet.

Can I cancel my policy anytime?

Most policies can be cancelled, but you may not receive a refund for the current coverage period. Check the cancellation terms in your policy document.

Will premiums increase as my pet ages?

Yes, most insurers increase premiums as pets age, typically every year or at certain age milestones. This reflects the increased likelihood of health issues in older pets.