This guide provides all the essential information to help you understand our Pet Insurance plans and secure the coverage that best suits your needs. It also outlines clear steps to guide you through the process of getting started, including the claims process and other important reminders.
Here are quick links to the sections in this guide:
Choosing Our Pet Insurance Plans
Obtaining your Pet Insurance Policy through Reliable Insurance Brokers comes with significant advantages. Our expertise ensures that you get the best possible coverage, backed by our commitment to exceptional service.
- Comprehensive Coverage: Enjoy extensive coverage, including third-party bodily injury and property damage protection. Our tailored approach ensures you receive the coverage that best fits your business needs.
- Access to Multiple Insurance Providers: As a trusted broker, we partner with a network of accredited insurance providers to give you the best options available. This allows us to offer you competitive rates and a range of coverage choices suited to your business.
- Tailored Solutions for Your Business: Policies are customized to meet the specific risks associated with your industry, whether in construction, retail, or professional services, ensuring the right level of coverage.
- Ease of Process: We simplify the insurance process, making it easy for you to understand your options and select the best plan. Our experts handle all the paperwork, ensuring a smooth and hassle-free experience.
- Representation and Support: We represent you to the insurers, advocating for your best interests. Our role extends beyond choosing the right coverage; we also manage your policy and provide ongoing support.
- Emergency and Claims Assistance: As our valued client, you receive dedicated assistance during emergencies and claims. Our team is available to help you navigate the claims process and ensure you get the support you need when it matters most.
Our Role as Your Trusted Partner
We know that pets are family, so Reliable Insurance Brokers makes it our goal to help you navigate the complexities of Pet Insurance in as straightforward and stress-free a manner as we can. Whether it's a medical emergency from injuries, necessary operations (like spay and neuter), or sudden diseases and infestations, we help safeguard your pet and give you peace of mind knowing that, no matter the circumstances, your beloved furbabies are well taken care of.
From the moment you contact us, our team of experts is by your side. We start by understanding the details of your business operations and any specific risks you face. Based on that, we recommend personalized Pet Insurance options from our network of trusted providers.
Once you choose the coverage that suits your business best, we handle all the paperwork and ensure everything is processed smoothly. But our service doesn’t stop there—we’ll also make sure you fully understand your policy and feel confident in your coverage. Our process is designed to be seamless, so you can focus on running your business, not dealing with insurance complexities.
As your trusted Pet Insurance partner, we provide expert guidance, secure the most suitable coverage options, and offer ongoing support throughout your coverage. With Reliable Insurance Brokers, you can operate your business confidently, knowing that you’re covered by a team dedicated to protecting what matters most.
Pet Insurance Options
With PetiCash Pet Insurance, you can choose between two levels of coverage for your pet. The Basic Plans provide financial protection for a variety of accidental injuries, while optional add-ons allow you to extend coverage to illnesses, dental care, third-party liability, petnapping, travel emergencies, and more—ensuring a comprehensive and customizable plan tailored to your pet’s needs.
Eligibility:
- Dogs & cats of any breed, pure or mixed
- Ages: 3 months to 6 years old (renewable annually up to 12 years old)
- Vaccination requirement: Must have completed age-prescribed vaccines
Basic Plans (Accidental Injury Coverage)
The Basic Plans provide financial protection against unexpected accidents, ensuring pet owners can afford necessary veterinary care without financial strain.
From ₱15,000 for only ₱560/year to ₱30,000 for ₱920/year, you can choose the level of coverage that best suits you and your pet.
What You Get with the Basic Plan:
- 80% reimbursement of vet costs for accident-related treatments
- Up to 5 accident claims per year, with reimbursement up to the selected plan’s coverage limit
- Access to any licensed veterinarian in the Philippines – Visit any vet clinic of your choice
- Fast & hassle-free claims process – Submit claims online and receive reimbursements quickly
- Reliable protection – Underwritten by Pioneer Insurance, a trusted provider in the Philippines
Choose from 4 Basic Plan Options:
- Plan A – For small pets (<12kg), with a coverage limit of ₱15,000 per case
- Plan B – For mid-size pets (12-22kg), with a coverage limit of ₱20,000 per case
- Plan C – For large pets (23-45kg), with a coverage limit of ₱25,000 per case
- Plan D – For giant breeds (>45kg), with a coverage limit of ₱30,000 per case
You can reimburse 80% of Vet treatments, up to your chosen coverage amount, for the following covered accidents:
- Bone Fracture
- Burn or Electrocution
- Drowning Complications
- Bite Wound
- Snake Bite Toxicity
- Tick Paralysis
- Foreign Body Obstruction
- Torn Nail
- Embedded Grass Seed
- Allergic Reaction to Insect & Arachnid Bites
- Poisoning
Optional Add-On Benefits (Expanded Coverage for Extra Protection)
For pet owners who want broader protection, PetiCash offers add-ons that extend coverage beyond accidents, including illness, dental care, and even third-party liability.
Benefits of the Add-Ons:
- Includes all benefits of the Basic Plan
- Extends coverage to illnesses, dental care, petnapping, third-party liability, and international travel vet expenses
Pet owners can personalize their policies by adding any of the following optional coverages:
1. Add-On for Illnesses
This add-on provides 80% reimbursement of veterinary treatment costs for up to 5 covered illnesses per year, ensuring your pet is protected against serious health conditions. Covered illnesses include:
- Cancer, Cysts, Lumps & Other Growths
- Cherry Eye
- Non-Diabetic Cataracts
- Cruciate/Traumatic Ligament or Tendon Injury
- Intervertebral Disc Disease
- Urinary Tract Infection (UTI) or Obstruction
- Gastric-Dilation Volvulus
- Hip Dysplasia
- Pyometra
- Gastrointestinal Problems
- Arthritis
- Ear Infections
- Renal Disease
Waiting period: 60 days from policy start to prevent pre-existing condition claims.
2. Add-On for Dental Care
Provides 80% reimbursement of vet expenses for emergency dental treatments, specifically for:
- Abscess removal
- Medically necessary fractured tooth extraction
Important: The Covered Illnesses Benefit must be added first before selecting the Dental Add-On. A 60-day waiting period applies.
3. Add-On for International Travel
Covers 80% of emergency vet treatments abroad, up to the chosen coverage amount, for:
- Accidental injuries
- Covered illnesses
- Acute dental conditions
Coverage duration: Up to 30 days per international trip.
Prerequisites: The Covered Illnesses and Acute Dental Benefits must be added first.
Waiting period applies.
4. Add-On for Pet Nap (Petnapping Protection)
In the unfortunate event that your pet is illegally taken and held captive, this add-on provides a ₱10,000 lump sum payout.
Requirement: Proof that a ransom was demanded must be submitted as part of the claim.
5. Add-On for Essential Euthanasia & Accidental Death
This benefit provides a lump sum payout in the following situations:
- The insured pet must be euthanized for humanitarian reasons due to a covered accident or illness (if illness coverage was added).
- The pet passes away due to a covered accidental injury.
Waiting period applies for illness-related claims.
6. Add-On for Pet Owner’s Liability
This add-on provides 90% reimbursement of covered expenses, up to the chosen insurance amount, for third-party damages or injuries caused by your pet if you are found legally liable.
Covers:
- Medical expenses for third-party injuries
- Veterinary expenses for injuries to another pet
- Legal fees for lawsuits related to pet-related incidents
- Property damage repairs or replacements
Inclusions and Exclusions
Understanding what’s covered under your PetiCash Pet Insurance policy is key to ensuring your pet gets the right protection when it matters most. Below is a summary of what’s included and excluded across our plans.
Inclusions
Your coverage depends on your selected plan and add-ons, but all benefits outlined in the Basic Plans and Optional Add-Ons sections are included. This means coverage for accidental injuries, illnesses, dental care, petnapping, liability protection, and travel emergencies—depending on what you choose.
For a full breakdown of what's covered, refer back to the Pet Insurance Options & Benefits section.
Exclusions
Certain conditions and situations are not covered under any plan or add-on. These include:
General Exclusions
- Pre-existing conditions (any illness or condition that existed before the policy started)
- Congenital or hereditary disorders (e.g., hip dysplasia, genetic eye disorders)
- Injuries due to neglect, abuse, or lack of veterinary care
- Elective procedures (spaying/neutering, cosmetic procedures, tail docking, ear cropping)
- Injuries from illegal pet activities (dog fighting, racing, law enforcement work)
- War, terrorism, or natural disasters
Accidental Injury Coverage Exclusions
- Preventive treatments (vaccinations, deworming, flea & tick control)
- Routine check-ups and wellness visits
- Pregnancy-related expenses (birthing, cesarean sections)
- Experimental treatments or alternative therapies
Illness Coverage Exclusions (If Illness Add-On Is Selected)
- Any illness diagnosed within the first 60 days of the policy
- Epidemic or pandemic diseases
- Infectious diseases preventable by vaccines (e.g., parvovirus, rabies)
- Parasite-related illnesses (tick-borne diseases, heartworm, intestinal parasites)
Pet Owner’s Liability Exclusions (If Added)
- Incidents where the pet has a known history of aggression
- Any damage or injury caused intentionally by the owner
- Cases where the owner accepts liability without the insurer’s approval
- Legal claims outside the Philippines
Applying for Pet Insurance
Getting insurance for your pet is quick and easy! Simply scan the QR code below or CLICK HERE to begin your application. Make sure to use our access code PISC22211—this ensures that your application is credited to us, and we can assist you throughout the process.
Step 1: Check Your Pet’s Eligibility
Before proceeding, ensure your pet meets these requirements:
✔ Not used for commercial purposes (e.g., racing, breeding, law enforcement)
✔ In good health and able to perform normal functions (eating, moving, etc.)
✔ Up to date on vaccinations appropriate for its age
Step 2: Complete Your Application
- Choose the best plan for your pet and select any optional add-ons for additional coverage.
- Provide your pet’s details, your information, and your veterinarian’s contact details.
- Upload clear images of your pet and its vaccination records.
- Review your details and proceed to secure online payment.
- Once payment is confirmed, your policy documents will be sent to your registered email.
Step 3: Let Us Know Once You’ve Applied
To ensure your application is properly tracked and credited to us, please send us a message, email, or call us after submitting your application. This allows us to confirm receipt of your application, provide updates on your policy status, and assist you with any questions or concerns.
For assistance, contact us at:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph
- Messenger:m.me/reliable.insurancebrokersph
Making a Claim
Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:
Required Documents:
- Required Claim Form: A fully completed form the insurer requires to initiate and efficiently process your claim.
- Incident Report: A comprehensive report outlining the details of the incident, including any third-party involvement, if applicable.
- Photographs: Visual evidence of any damages or injuries related to the claim.
- Third-Party Correspondence: Any letters, legal documents, or notices from the third-party claimant regarding the incident, if applicable.
- Invoices or Estimates for Repairs: Documents outlining the cost of repairs for any third-party property damage or losses
Claims Process:
- Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
- Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
- Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.
Additional Provisions for Claims Settlement:
To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:
- Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
- Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
- Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
- Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
- Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
- Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
- Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
- Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.
By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.
Key Reminders for Policyholders
To make the most of your Pet Insurance policy and ensure continuous coverage, it's important to keep the following reminders in mind. These tips will help you manage your policy effectively and avoid any unexpected issues:
- Read Your Policy: Make sure to thoroughly read your policy documents to understand the specific claims procedures of your insurance provider and know what's covered.
- Understand Coverage: Coverage is subject to policy terms and conditions, so be familiar with these to avoid surprises.
- Timely Premium Payments: Ensure your premiums are paid on time to avoid lapses in coverage.
- Emergency Contacts: Keep emergency contact numbers and policy details handy for quick access during emergencies.
- Keep Records: Maintain copies of all relevant documents and correspondence related to your policy and trips.
- Stay Updated on Policy Changes: Be aware of any updates or modifications to your policy, as terms and coverage may change over time.
- Claims Deadlines: Always submit claims and required documents within the deadline specified in your policy to avoid delays or denial of coverage.
Pet Insurance Providers
Protect Your Pets Today
Caring for your beloved pet means ensuring they get the best medical attention when they need it. But don’t let the cost of vet bills put a strain on your finances. Get PetiCash Pet Insurance today for reliable coverage against accidents, illnesses, and more. Contact us now to customize the best protection for your furry companion—our team is here to guide you every step of the way!
Contact Information for Inquiries and Support
Should you have any questions or require further assistance in applying for Pet Insurance:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph
- Messenger: m.me/reliable.insurancebrokersph
Note
The coverage details provided in this guide are for informational purposes only and are subject to change. Reliable Insurance Brokers advises all clients to request a detailed proposal and thoroughly read and understand their insurance policy. Coverage terms and conditions may be updated or modified by our partner insurance companies, which may supersede the information contained in this guide. Additionally, because our offerings can be custom-fitted to your specific needs, the details may vary from what is stated in this article. For the most accurate and up-to-date coverage details, and to understand how different providers might affect your policy, please contact us directly or refer to your policy documentation.
