GCash Pet Insurance Guide 2026: Protect Your Furbabies for as Low as ₱266

Hey there, pawrents! We are all familiar with how costly veterinary expenses can get. As a pet owner, I have experienced paying more than ₱10,000 for a single medical bill when my dog, Olivia, had a severe stomach issue.

But here is the good news: GCash has expanded its GInsure partnerships to make protection more accessible. You can now get pet insurance for as low as ₱1,500 per year for cats (which averages to just ₱125 per month) and ₱3,200 per year for dogs. Whether you have a playful pup or a curious kitten, protecting your wallet from "vet bill shock" has never been easier.

Also read: 15 Pet-Friendly Resorts & Vacation Rentals Near Manila

Pet insurance coverage

The GCash pet insurance plan is quite extensive. Its coverage ranges from dog accidents to deaths; it even covers owners in case something unfortunate happens to you!

1. Medical reimbursement

The primary coverage is medical reimbursement. This includes expenses incurred to treat or diagnose pets due to illness or accident. Fees from consultations, tests, scans, surgery, hospitalisation, and medication are all considered. However, the policy excludes pre-existing conditions. You will also need to declare any history of sickness or operations during the application.

Amount of reimbursement: Maximum of ₱30,000 per occurrence and ₱100,000 in aggregate.

2. Cruciate ligament injuries

Dogs and cats are often highly active, making them prone to joint accidents. GCash covers treatment and diagnostics when the ligament that stabilises the knee joint gets injured. Take note, though, that any injury inflicted by the owner or family members will not be covered!

Amount of reimbursement: Maximum of ₱15,000 per leg

3. Burial assistance

Unfortunately, the pet insurance death coverage by Gcash is quite strict. It only covers burial services if your dog passes away through euthanasia.

Amount of reimbursement: Maximum of ₱10,000.

4. Owner’s liability

Has your dog caused you any trouble? My Olivia has done a number on my belongings! Fortunately, her only victims (so far!) have been my shoes, many slippers, and several household items, which she munched to destruction.

If your dog tends to be aggressive, I suggest you sign him/her for insurance. Insurance can cover actual or compensatory expenses if you become legally liable for your dog injuring someone or damaging others’ belongings.

Amount of reimbursement: Maximum of ₱50,000 per occurrence and ₱250,000 in aggregate

5. Personal accident cover

This type of coverage includes the owner’s accidental death, disablement, and dismemberment sustained within the coverage period.

Amount of reimbursement: ₱50,000 for accidental death, ₱50,000 for permanent disability, and ₱50,000 for disablement or dismemberment.

Also read: Did You Know You Can Apply for Your Pet’s Passport in the Philippines?

Length of coverage

The cost of your plan depends on your pet type and how you choose to pay. While the app may show a ₱650 rate, that is typically for a one-month "trial" plan. For the best value, the one-year plans are much more affordable:

For Cats: Starts at ₱1,500 per year (averages to ₱125/month

For Dogs: Starts at ₱3,200 per year (averages to ₱266/month

Requirements for availing

To qualify for the 2026 GInsure pet plans, ensure you meet these requirements:

• Your dog must be between six months and eight years old; cats can be insured as early as 8 weeks up to 9 years old.

• Only house pets are allowed. Service animals (military, police, or security), stunt pets, or those raised for fighting/sports are not covered.

• Your pet must be up-to-date with vaccinations (e.g., 5-in-1 for dogs or 4-in-1 for cats), anti-rabies, and deworming shots.

• You must be a Fully Verified GCash user.

I wish I knew earlier that GCash had such a straightforward plan for pets. Now that I’ve insured my Olivia, I feel more protected financially whenever she needs a check-up. If you want your furbaby covered too, simply head over to your GCash mobile app and tap the GInsure icon to get started!

All images credited to Martin Joseph M. Raymundo | Official Instagram Page