Are Aspins, Puspins, and mixed-breed pets eligible for pet health insurance in the Philippines?

Yes! Standard Insurance Pet Health Protect provides coverage for all breeds, including native Aspins (Azkals), Puspins, and mixed-breed dogs and cats. As long as your pet is between 8 weeks and under 9 years old and has up-to-date vaccinations, they can be fully covered.

Can I insure my pet if they already have a pre-existing medical condition?

Pre-existing conditions shown prior to policy inception are generally excluded from coverage. Securing insurance while your pet is young and healthy ensures future unexpected illnesses or emergency surgeries are eligible for reimbursement.

How does the 100% reimbursement and zero-deductible feature work?

Standard Insurance eliminates out-of-pocket deductibles. When you file an eligible claim, you can receive up to 100% reimbursement on qualified medical expenses—such as diagnostic tests, consultations, surgeries, and prescriptions—up to your policy’s annual limit.

Does pet health insurance cover emergency pet boarding?

Yes! Select Standard Insurance plans offer emergency boarding coverage (up to ₱5,000) if the pet owner experiences a medical emergency or hospitalization that prevents them from caring for their pet at home.

What documents do I need to submit when filing a pet insurance claim?

To file a claim, submit: 1) Completed claim form signed by you and your vet, 2) Itemized official receipts paid in full, 3) Consultation/clinical notes, and 4) Pet veterinary history and vaccination records.

Is pet insurance expensive compared to setting aside a monthly savings fund?

Paying a small annual premium is more cost-effective than building an emergency fund from scratch. Saving ₱500 monthly takes over three years to reach ₱20,000—a sum a single emergency vet visit can consume immediately. Insurance provides substantial coverage from day one.

Pet Insurance | Standard Insurance Pet Health™

Ensure world-class veterinary care for your dogs and cats without the financial stress.

Standard Insurance Pet Health™ provides comprehensive medical reimbursement for vet consultations, diagnostic tests, surgeries, and emergency hospitalizations—giving you the freedom to choose any licensed veterinarian.

What is Standard Insurance Pet Health Insurance™?

Standard Insurance Pet Health Insurance™ is a flexible, reimbursement-based pet medical plan designed for responsible dog and cat owners in the Philippines. Because pets are family, our policy ensures that costly veterinary treatments for sudden illnesses, chronic conditions, and severe accidents never compromise your pet's recovery.

How Does the Pet Medical Reimbursement Work?

Unlike restrictive pet networks, our reimbursement model allows pet parents to visit any preferred veterinarian, clinic, or animal hospital. Simply pay for your pet’s treatment, submit the veterinary invoices and medical records, and receive financial reimbursement for eligible medical expenses.

What Does Pet Health Insurance Cover?

Our comprehensive pet insurance covers a wide spectrum of veterinary treatments, diagnostic procedures, and emergency situations:

1. Covered Medical Costs & Core Benefits

Veterinary Consultation Fees: Covers professional fees for general practitioner and specialist vet visits.

Diagnostic Tests & Advanced Imaging: Pays for X-rays, MRIs, CT scans, ultrasounds, blood tests, biopsies, endoscopies, culture tests, tonometry, and fecalysis.

Surgery & Confinement Fees: Covers operative procedures, anesthesia, chemotherapy, and overnight veterinary hospital stays.

Prescription Medications: Reimbursement for prescribed pharmaceutical treatments required for covered illnesses or injuries.

Cruciate Ligament Coverage: Specialized coverage for ACL ruptures and cruciate ligament repairs (up to ₱50,000.00 annually).

Emergency Boarding Benefit: Reimburses pet boarding facility fees if the primary pet parent is hospitalized for five (5) consecutive days or more.

2. Covered Conditions & Medical Events

Serious & Chronic Illnesses

Serious Conditions: Cancer, Heart Disease, Gastric Dilatation-Volvulus (Bloat/GDV), Pyometra, and Heat Stress.

Chronic Illnesses: Allergies, Arthritis, Diabetes, and Pancreatitis.

Common Ailments: Diarrhea, Vomiting, Ear Infections, and Anal Gland Disorders.

Accidents, Injuries & Trauma

Bone Fractures, Joint Sprains, ACL Ruptures, Open Wounds, and Snake or Insect Bites.

Hereditary & Congenital Conditions

Hip Dysplasia, Inherited Eye Disorders, and Blood Disorders.

Frequently Asked Questions (FAQs)

Can I use my pet health insurance at any veterinary clinic in the Philippines?

Yes. Standard Insurance Pet Health™ operates on a flexible reimbursement model, meaning you can take your dog or cat to any licensed veterinarian or animal hospital of your choice without network restrictions.

Does Pet Health insurance cover hereditary conditions like hip dysplasia?

Yes. Standard Insurance covers eligible hereditary and breed-specific conditions, including Hip Dysplasia, congenital Eye Disorders, and Blood Disorders, subject to policy terms and conditions.

What is covered under the emergency boarding benefit?

If you (the registered pet parent) are hospitalized for 5 consecutive days or longer due to an emergency, the policy reimburses daily boarding kennel or cattery fees to ensure your pet is safely cared for while you recover.

What diagnostic tests are reimbursable under pet insurance?

Eligible diagnostic tests include X-rays, MRIs, CT scans, diagnostic ultrasounds, complete blood counts (CBC), tissue biopsies, endoscopies, tonometry, and laboratory fecalysis.

Contact Standard Insurance:

Landline: +632-8845-1111
Email: teamonline@standard-insurance.com
Branch Network: Visit any Standard Insurance branch nationwide