Compare pet insurance

Pet insurance in Ho Chi Minh City, compared

A clear, side-by-side look at the pet insurance plans available in Ho Chi Minh City — what they cover, the annual limits, the co-payment and the exclusions that matter. Pick up to three and compare them line by line.

Pet Insurance (Bảo hiểm thú cưng) — Basic / Premium / Elite

Fubon Insurance Vietnam

Vietnam's one genuinely structured pet insurance product — Fubon's three-tier plan covers outpatient, hospitalisation and surgery with defined sub-limits, plus strong third-party liability up to ₫500M, all buyable online with a microchip requirement. Medical sub-limits are modest by international standards (top-tier surgery cap ₫30M), so it is meaningful accident/liability protection rather than open-ended medical cover.

Annual limit: Tiered sub-limits (Dogs, Basic / Premium / Elite): outpatient ₫1.5M / ₫3M / ₫5M; hospitalisation ₫3M / ₫9M / ₫15M; surgery ₫6M / ₫13.5M / ₫30M
Co-pay: Not clearly published — CONFIRM (reimbursement against valid documentation; settlement within 15 days)
Indicative premium: Dogs (first year, incl. VAT): Basic ₫1,815,000 · Premium ₫2,970,000 · Elite ₫5,445,000 (Cats: ₫1,650,000 / ₫2,860,000 / ₫4,950,000)

A real regulated indemnity policy (rare in VN)
Clear three tiers with public pricing
High liability cover (up to ₫500M); useful extras

Modest medical sub-limits (surgery capped ₫6M–₫30M)
Several dog breeds excluded; microchip mandatory

Official site ↗

Figures last checked July 2026 · source

How to choose a pet insurance plan

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 Ho Chi Minh City

Most plans reimburse you after you pay the vet. Browse vets, 24-hour emergency clinics and pet services near you.

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