A clear, side-by-side look at the pet insurance plans available in Osaka — what they cover, the annual limits, the co-payment and the exclusions that matter. Pick up to three and compare them line by line.
Anicom's flagship "Family" plan is the most established comprehensive dog cover in Japan, reimbursing 50% or 70% of outpatient, hospitalisation and surgery costs, with the standout convenience of cashless settlement (窓口精算) at 7,000+ partner clinics. Entry is capped at ~8 years and premiums are quote-only, but the clinic network and market-leading scale make it the default benchmark.
Annual limit
Reimbursement-based (70% or 50% plan). Per-day / per-visit and annual day-count utilisation caps apply — exact ¥ caps not cleanly published on the homepage; CONFIRM on the official brochure PDF
Co-pay
Owner pays 30% (70% plan) or 50% (50% plan) of eligible costs
Indicative premium
Indicative ~¥2,000–¥3,500/month for a young small dog (70% plan) — quote-only; confirm via anicom-sompo.co.jp/calculate/
ipet's "Uchino Ko" is a comprehensive plan with three reimbursement tiers (30/50/70%) and one of the highest new-entry ages in Japan (nearly 13 years), plus cashless clinic settlement. Cover is capped by daily and per-surgery sub-limits and an annual max (up to ~¥1.22M), so read the tier table carefully, but the older-dog eligibility and flat senior pricing are strong differentiators.
Annual limit
Reimbursement 70% / 50% / 30%. Annual max ¥476,000–¥1,224,000 by tier. Sub-limits: outpatient ¥9,000–¥12,000/day (max 22 days/yr); hospitalisation ¥9,000–¥30,000/day (max 22 days/yr); surgery ¥40,000–¥150,000/procedure (max 2/yr)
Co-pay
Owner pays 30% / 50% / 70% (i.e. reimbursement of 70/50/30%)
A low-premium, surgery-only plan that reimburses 90% of major operations (up to ¥500,000/surgery, ¥1M/year) with no new-entry age limit — ideal for owners who want catastrophe cover for big surgical bills rather than everyday vet visits. The trade-off is zero outpatient cover and a ¥30,000 minimum-claim floor.
Annual limit
90% reimbursement. Surgery ¥500,000/procedure (max 2/yr) + related hospitalisation (up to 10 days per surgery). Annual max ¥1,000,000. Minimum treatment-cost threshold ¥30,000 per claim
ペットの保険 ワンコ保険 (Wanko — with / without outpatient types)
au損保 (au Insurance / KDDI)
au損保's "Wanko" plan is a budget-friendly, brand-backed option from KDDI, letting owners pick 50%/70% reimbursement and whether to include outpatient. Premiums start low (¥860/month) and claims are unlimited up to the annual cap, but those annual caps are modest, so it suits cost-conscious owners over those wanting high-limit cover.
Annual limit
Reimbursement 50% or 70%. Annual caps: hospitalisation/surgery ¥50,000 (50%) / ¥70,000 (70%); outpatient ¥20,000 (50%) / ¥28,000 (70%) [with-outpatient type only]. NOTE: relatively low caps — CONFIRM whether these are per-category caps or the full annual limit
Co-pay
Owner pays 30% (70% plan) or 50% (50% plan)
Indicative premium
From ¥860/month (without-outpatient, small dog age 2, 50%); ~¥1,700/month for the with-outpatient equivalent
PS保険 stands out for offering a genuine 100%-reimbursement tier with no deductible and no waiting period, plus an unusual wheelchair/mobility benefit, all under a ¥1.1M annual cap. The 100% plan is markedly pricier than the 50% tier and premiums are quote-only, but the day-one, zero-excess cover is compelling for owners wanting maximum reimbursement.
Annual limit
Reimbursement 50% / 70% / 100%. Annual max ¥1,100,000 (outpatient + hospitalisation + surgery + wheelchair combined). Sub-caps: outpatient up to ¥200,000/yr (¥10,000/day); hospitalisation up to ¥600,000/yr (¥20,000/day); surgery up to ¥200,000/yr (¥100,000/procedure); wheelchair up to ¥100,000
Co-pay
Owner pays 0% on the 100% plan; 30% (70%) or 50% (50%) on lower tiers
Indicative premium
Quote-only; the 100% plan costs ~1.6–1.8× the 50% plan — CONFIRM exact figures via pshoken.co.jp/insurance/
The cheapest premium is rarely the best value. When comparing, look past the headline price at the parts that decide what you actually get back:
Annual limit — the most the plan pays per year. Higher limits matter for surgery and chronic illness.
Co-payment / co-insurance — the share of every bill you still pay. Often rises with your pet's age at enrolment.
Deductible / excess — a fixed amount deducted per claim or per year.
Exclusions — pre-existing, hereditary, dental and routine/preventive care are commonly excluded.
Waiting periods — illness cover usually starts weeks after you sign up.
Lifetime renewal — whether cover continues as your pet ages (crucial for older dogs).
Insuring a pet while young and healthy usually locks in lower co-payment and avoids pre-existing exclusions later. If your pet already has a condition, check exactly how each insurer treats it before buying.
Before you claim
Find a vet in Osaka
Most plans reimburse you after you pay the vet. Browse vets, 24-hour emergency clinics and pet services near you.
