What is Pet Insurance?
Pet insurance is a comprehensive policy for unique breeds of dogs, and other pets that are mostly kept as companions or guard animals. This specialized coverage ensures your beloved pets receive the best possible care without causing financial strain.
At Laren Insurance Agency, we understand that pets are family. Our pet insurance policies provide peace of mind, knowing that unexpected veterinary costs won't prevent your pet from receiving necessary medical treatment.
KES 40K+
Average emergency vet bill
95%
Of pet owners worry about vet costs
Pet Insurance Coverage Sections
Our comprehensive pet insurance is divided into 4 main coverage sections to protect your pet in various situations.
1. Death from Accident or Illness
Mandatory Coverage
- Payment of agreed pet value in case of death
- Covers euthanasia by vet when necessary
- Includes war, terrorism & civil commotion
- 10% deductible applies
- Minimum value: KES 20,000
2. Medical Expenses / Veterinary Fees
Optional Coverage
- Treatment costs for illness or injury
- Coverage by qualified veterinary doctors
- Limit reinstatement available
- Reimbursement basis
- Vaccination records required
3. Theft and Straying
Optional Coverage
- Coverage if pet is stolen or goes missing
- Payment of agreed or market value
- Non-recovery after specified period
- 10% deductible applies
- Proof of ownership required
4. Third Party Liability
Public Liability Protection
- Property damage by your pet
- Personal injury to third parties
- Illness caused by pet incidents
- Coverage up to KES 2,000,000
- No deductible for liability claims
Important Policy Details
Eligibility Requirements
- Pets aged 6 months to 10 years only
- Minimum value: KES 20,000 per pet
- No maximum value limit
- Roaming mongrels excluded
- Security dogs require special referral
Deductibles & Limits
- 10% deductible on sections 1, 2 & 3
- No deductible for liability claims
- Insured at declared value
- Market value applied if no declared value
- KES 2M liability limit
Veterinary Requirements
- Regular vaccination mandatory
- Proper dipping/spraying records
- Veterinary guidelines compliance
- Treatment by qualified vets only
- Record maintenance essential
Coverage Exclusions
- No funeral expense benefit
- Pre-existing conditions
- Routine check-ups (unless ill)
- Cosmetic procedures
- Breeding-related expenses
Benefits of Pet Insurance
Financial Protection
Cover unexpected veterinary bills that can run into thousands of shillings.
Peace of Mind
Make medical decisions based on your pet's needs, not cost concerns.
Liability Coverage
Protection if your pet causes injury or property damage to others.
Theft Protection
Financial compensation if your valuable pet is stolen or goes missing.
Quality Care
Ensure your pet receives the best possible veterinary treatment.
Budget Management
Convert unpredictable large expenses into manageable premiums.
Why You Need Pet Insurance in Kenya
Veterinary care in Kenya has advanced significantly, with treatments now available for conditions that were previously untreatable. However, these advanced treatments come with substantial costs that can create financial hardship for pet owners.
Important Consideration
Many pet owners underestimate the costs of emergency veterinary care. A single emergency surgery or specialized treatment can cost KES 50,000 or more. Without insurance, pet owners may face difficult decisions between their pet's health and financial constraints.
Pet insurance allows you to focus on your pet's recovery rather than worrying about veterinary bills. It ensures that financial considerations don't prevent your beloved companion from receiving necessary medical care.
Why Choose Laren Insurance Agency?
- Specialized understanding of pet insurance needs in Kenya
- Comprehensive coverage options for various pet breeds
- Competitive premiums with flexible payment options
- Quick and straightforward claims process
- Knowledgeable advisors who are pet owners themselves
- Partnerships with reputable veterinary practices
- Clear policy terms with no hidden exclusions
- Dedicated support for pet-related insurance queries
Frequently Asked Questions
We primarily insure dogs of specific breeds with minimum values of KES 20,000. The policy is designed for pets kept as companions rather than working animals. Security dogs require special referral and assessment. Roaming mongrels are not covered under this policy.
Yes, pets must be between 6 months and 10 years old to be eligible for coverage. This ensures that pets are past their most vulnerable early months but haven't reached advanced age where health issues become more prevalent and predictable.
You declare the value of your pet when applying for insurance. This should reflect the actual market value or replacement cost of your pet. If no value is declared, we will use the market value at the time of claim. Proper documentation of purchase price or breeding value helps establish accurate valuation.
We require proof of regular vaccination and parasite control (dipping/spraying) as per veterinary guidelines. You should maintain proper records of these treatments and provide them when required. This ensures your pet receives proper preventive care and helps manage health risks.
A 10% deductible applies to claims under sections 1 (death), 2 (medical expenses), and 3 (theft/straying). This means you pay 10% of the claim amount, and we cover the remaining 90%. There is no deductible for third-party liability claims under section 4.
Yes, you can insure multiple pets under separate policies. Each pet will have its own coverage based on its declared value and the sections you choose. We can provide package discounts for multiple pets in the same household. Contact us to discuss your specific multi-pet insurance needs.
Give Your Pet the Protection They Deserve
Don't let veterinary costs prevent your beloved pet from receiving the care they need. Our comprehensive pet insurance provides financial protection and peace of mind for responsible pet owners.
GET YOUR PET INSURANCE QUOTE