The Best Pet Insurance Options for Families in Kenya – 2025 Guide
🔑 Key Takeaways
- Pet insurance in Kenya covers accidents, illness, theft, and veterinary expenses
- Step by Step Insurance offers the most customizable and family-friendly options
- APA Insurance provides straightforward coverage for companion animals
- ICEA LION specializes in high-value dogs with comprehensive liability protection
- Most policies require pets to be under 10 years old and fully vaccinated
- Optional medical cover is available for treatment costs across most providers
📋 Table of Contents
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📱 Join WhatsApp Group🥇 Step by Step Insurance – Tailored Pet Cover That Puts Your Pet First
At Step by Step Insurance, we understand that no two pets — or pet owners — are alike. That’s why we work with trusted insurers to offer custom pet insurance packages built around your specific needs and budget.
Whether you’re looking to insure your family dog, your guard dog, or your cat, we help you secure protection against:
- Accidents (injuries, snake bites, electrocution, etc.)
- Illness or disease
- Infectious disease outbreaks
- Veterinary-advised euthanasia to prevent suffering
- Theft or straying
- Optional: Medical cover for treatment costs
“We help you compare, quote, and choose the right cover — no guesswork. We also provide vet network support and claim assistance, so you’re never alone,” says Faith Kimaru, Principal Officer at Step by Step Insurance.
📞 Call or WhatsApp us today on 0729 712 200
🥈 APA Insurance – Straightforward Pet Cover for Companion Animals
APA Insurance offers a clear and practical pet insurance solution for pets that are not kept for commercial gain, but rather for comfort, security, or companionship — such as dogs, cats, and rabbits.
Their basic plan covers:
- Accidental death (lightning, injury, snake bite, windstorm, flood)
- Illness or disease
- Epidemics or widespread disease outbreaks
- Vet-advised euthanasia to prevent suffering
- Theft or straying
📌 Optional medical cover is available for vet treatment due to accident or illness.
APA is a solid choice for families who want basic, dependable protection — especially those with home pets or guard dogs that hold emotional and protective value.
🥉 GA Insurance – Pet Cover for the Responsible, Detail-Oriented Owner
GA Insurance provides coverage for companion animals such as dogs and cats, focusing on personal comfort pets, not livestock or income animals.
They require:
- A completed application form
- Proof of premium payment
- Current vet medical & valuation report
- Vaccination certificates
- Pet photo and identification (ear tag, tattoo, microchip)
- Pet must be under 10 years old
While the onboarding process is detailed, GA’s service delivery and flexibility make it a good choice for pet owners who want complete transparency and accountability in their coverage.
🐕 ICEA LION – Feature-Rich Cover for Dogs with High Value
ICEA LION offers a specialized Dog Insurance policy, divided into four distinct sections:
🔹 Section 1: Death from Accident or Illness (Mandatory)
Covers death from injury or illness, including war/terrorism-related incidents. Pets must be vaccinated, well-maintained, and between 6 months and 10 years old.
🔹 Section 2: Medical Expenses (Optional)
Reimburses veterinary treatment costs for injury or illness. Once your limit is reached, you can reinstate the policy with an additional premium.
🔹 Section 3: Theft or Straying
Pays the agreed or market value of the dog if stolen or lost and not recovered.
🔹 Section 4: Third-Party/Public Liability
Covers you if your dog injures someone or damages property. Up to Ksh 2,000,000 liability limit.
📌 Important notes:
- No cover for roaming mongrels
- Dogs must be valued at Ksh 20,000 or more
- Premiums vary by dog value — from Ksh 7,574 to over Ksh 22,000
- Dogs worth over Ksh 200,000 require a custom quote
ICEA LION is ideal for pet owners with pedigree, high-value dogs who want premium protection and liability cover.
🎥 Learn More About Pet Insurance
💡 What’s Typically Covered by Pet Insurance in Kenya?
| Covered Risks | Applies To |
|---|---|
| Accidents (injury, lightning, snakebite) | All listed providers |
| Illness or disease | APA, Step by Step, ICEA LION |
| Epidemic outbreaks | APA, Step by Step, ICEA LION |
| Vet-advised euthanasia | All providers |
| Theft or straying | All providers (with terms) |
| Optional medical cover | Step by Step, APA, ICEA LION |
| Public liability (injury to others) | ICEA LION, Step by Step |
📖 Related Pet Insurance Guides
| Guide Topic | Description |
|---|---|
| How Pet Insurance is Calculated | A deep dive into premium calculations for pet owners in Kenya |
| Most Expensive Pets to Insure | Breakdown by breed and species of insurance costs |
| What Pet Insurance Actually Covers | Comprehensive guide to coverage and exclusions |
✅ Final Thoughts: Which Option is Best?
- Want a customizable, friendly, and fast-to-start plan? 👉 Step by Step Insurance
- Looking for a reliable, basic cover for common pets? 👉 APA Insurance
- Prefer a formalized, vet-recorded process with clear paperwork? 👉 GA Insurance
- Have a high-value dog and want all-round protection with liability? 👉 ICEA LION
Whatever your choice, remember: pet insurance is peace of mind. It protects your family — and your furry friend — from life’s unexpected turns.
📞 Ready to Get Started?
Let’s find the perfect pet insurance plan for your dog, cat, or rabbit.
🐾 Because your pet is family — insure them like it.
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