Pet insurance in the United Arab Emirates: what it costs
What a typical dog and cat policy costs in the United Arab Emirates, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
120 AED a month, about 1,440 AED a year
Moo Pet by QIC via Gargash Insurance: dog from 120 AED/month (vet fees up to 30,000/yr, liability incl.). MetLife UAE: from 86 AED/month; example 2-yr Shih Tzu, 20,000 limit, 80% reimbursement 200 AED/month (accident and illness). source
Cat
90 AED a month, about 1,080 AED a year
Moo Pet by QIC via Gargash Insurance: cat from 90 AED/month. MetLife UAE from 86 AED/month; The National (Jul 2024): Moo Pet 2-yr Persian from 130 AED/month (15,000 limit). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 79.20 AED | 950.40 AED |
| Small | 93.60 AED | 1,123.20 AED |
| Medium | 104.40 AED | 1,252.80 AED |
| Large | 133.20 AED | 1,598.40 AED |
| Giant | 180 AED | 2,160 AED |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | 118.80 AED | 1,426 AED |
| French Bulldog | 171.60 AED | 2,059 AED |
| German Shepherd Dog | 129.60 AED | 1,555 AED |
| Golden Retriever | 112.80 AED | 1,354 AED |
| Dachshund (Standard) | 97.20 AED | 1,166 AED |
| English Cocker Spaniel | 99.60 AED | 1,195 AED |
| Chihuahua | 75.60 AED | 907 AED |
| Border Collie | 97.20 AED | 1,166 AED |
| Mixed breed (dog) | 90 AED | 1,080 AED |
| Mixed breed (cat) | 76.50 AED | 918 AED |
| Maine Coon | 89.10 AED | 1,069 AED |
| British Shorthair | 84.60 AED | 1,015 AED |
| Ragdoll | 80.10 AED | 961 AED |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in the United Arab Emirates → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.