Standard Insurance Pet Health

Pet Health by Standard Insurance is a pet health plan that provides financial protection when unforeseen circumstances arise such as when a pet gets ill or gets into an accident. The policy is designed to cover the majority of the eligible vet expenses involved in treatment such as consultation, diagnostic tests, medication, and hospitalization/confinement.

 

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Coverage

CORE BENEFITS

STANDARD COVERAGE
Max Benefit Limit Per Year PHP 50,000
% Eligible Reimbursement Up to 100% of Vet Bill
Issue Age At least 8 weeks old to 9 years old
Cruciate Ligament Up to the Maximum Benefit Limit
Emergency Pet Boarding PHP 5,000
Accidental Injury ✔
Illnesses ✔
After-Hour Emergency Visit (Related to coverable Accidental Injury Only)
Treatment (Consultations, hospitalization, surgery, X-rays, medication, diagnostic tests, nursing, and other care) ✔
Preventive Care ✖

 

Eligibility

You are eligible if you are an owner of any breed of domestic cats and dogs and if the:

  • Pet owner is of legal age
  • Pet is at least 8 weeks old and below 9 years of age
  • Pet should be residing and under the direct care of the Policy Holder
  • Pet is not used for commercial or occupational purposes including but not limited to racing, breeding, organized fighting, law enforcement, and guarding.

 

Purchase Standard Insurance Pet Health

Note: There is no limit to owning multiple policies. However, you cannot upgrade your current policy, nor can you apply for someone else's pet. Only the owner of the pet can apply for a policy.

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Claims and Cancellation

Claims

You may claim Pet Health by sending an email to Standard Insurance with the attached documents:

  1. Completed Claim Form signed by you and your Vet 
  2. An itemized invoice showing all vet expenses paid in full
  3. Consultation notes
  4. Complete the Veterinary history of your pet

Standard Insurance will process your claim in 3-10 business days

 

Cancellation of Policy

To cancel your policy, please contact Standard Insurance. The cancellation will be effective once Standard Insurance provides you with confirmation of the request.

 

Cancellation of policy before 21 day cooling period

If you cancel your policy during the 21 day cooling-off period, provided that no claim is/has been made by you, we will refund any premium paid by you since commencement or renewal, less any transaction costs incurred by us which we are unable to recover, and any taxes or duties that we are unable to refund. You cannot return your policy during the cooling off period if a claim is/has been made by you.

 

Cancellation of policy after 21 day cooling-off period

If you cancel the policy for whatever reason after the cooling off period and you have paid the annual premium in full, provided no claim has been made, we will refund the premium less:

  • The amount covering the period you were insured for;

  • The cancellation fee of (which will not be deducted if your cancellation is due to your Pet passing away); and

  • Any government or statutory charges we are unable to recover. If you have been paying your premium by installments, there is no premium refund (including for any remaining days of a current installment period). No further premium installments will be deducted

 

Cancellation of policy for whatever reason

If you cancel your policy for whatever reason (other than your Pet passing away) after having made a claim, no premium refunds are payable and the remaining premium for that Policy Period must be paid if it has not already been paid. Any outstanding premium may be deducted from any claim payment owed, or alternatively, charged to your nominated bank/credit card account. This clause survives termination of contract. 

 

Cancellation of policy due to death

If you cancel your policy because your Pet has passed away and after having made a claim, your policy will be cancelled in the same way as set in ‘Cancellation where no claims have been made.

Any cancellation refund due will be processed in 10-15 business days.

 

Contact Standard Insurance

To contact Standard Insurance, please check out their available channels below:

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