Dhipaya Insurance pet insurance, 5 plans from THB 1,950 per year
- Updated: 15 October 2026
Dhipaya Insurance pet insurance, 5 plans from THB 1,950 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Dhipaya Insurance Public Company Limited
Premiums from THB 1,950–12,000 per year, depending on the plan
Highlights: pet insurance that pays for treatment of both accidents and illness, with enrolment from age 3 months to 9 years
Your pet has an upset stomach late at night, and a single clinic visit costs several hundred baht. The next month it is clipped by a car and the treatment runs into the thousands. Many owners start to think they should have insurance to help share the cost.
TIP Pet Lover pet insurance from Dhipaya Insurance has 5 plans. How much does each plan pay per treatment, and what conditions should you know before you apply?
Dhipaya Insurance pet insurance: who is it for and how much does it cost?
In short: Dhipaya Insurance's TIP Pet Lover pet insurance suits owners of pets aged 3 months to 9 years that are in good health and have a complete vaccination record. It covers accident treatment at THB 2,000–15,000 per accident, illness treatment at THB 500–2,000 per treatment, third-party liability and funeral costs. There are 5 plans, with premiums from THB 1,950 per year (as at 15 October 2026). The actual premium depends on the plan you choose.
What does Dhipaya Insurance pet insurance cover?
Figures follow the order of Plans S / M / L / XL / XXL, in THB
| Coverage | Limits for Plans S / M / L / XL / XXL |
|---|---|
| Accident treatment (per accident, once a year) | 2,000 / 3,000 / 5,000 / 10,000 / 15,000 |
| Illness treatment (per treatment) | 500 / 1,000 / 1,000 / 1,500 / 2,000 |
| Illness treatments per year | 5 / 5 / 10 / 10 / 10 times |
| Third-party liability for death and bodily injury (per year) | 10,000 / 10,000 / 10,000 / 10,000 / 15,000 |
| Third-party property damage (per year) | 1,500 / 3,000 / 3,000 / 5,000 / 5,000 |
| Cremation or burial costs (per year) | 3,000 / 3,000 / 5,000 / 10,000 / 15,000 |
| Death of the pet from accident or illness (per year) | Not covered / 1,500 / 5,000 / 10,000 / 15,000 |
| Vaccination costs (per year) | Not covered / Not covered / 500 / 1,000 / 1,500 |
| Advertising costs for a lost pet (per year) | 1,500 / 5,000 / 5,000 / 5,000 / 15,000 |
| Boarding costs while the owner is abroad (per year) | 300 / 300 / 500 / 1,000 / 1,500 |
How much does Dhipaya Insurance pet insurance cost?
| Plan | Starting premium (THB per year) | Illness treatment (per treatment) |
|---|---|---|
| S | 1,950 | 500 (5 times per year) |
| M | 2,950 | 1,000 (5 times per year) |
| L | 5,400 | 1,000 (10 times per year) |
| XL | 8,400 | 1,500 (10 times per year) |
| XXL | 12,000 | 2,000 (10 times per year) |
Data as at 15 October 2026. The actual premium depends on the plan you choose, the pet's age and health, and the insurer's underwriting decision. The quote is what counts.
Worked example: Plan M, the pet falls ill 5 times in one year, with treatment costing THB 1,500 each time
- Plan M premium = THB 2,950 per year, about THB 246 a month on average (2,950 ÷ 12)
- Plan M pays up to THB 1,000 per illness treatment, for 5 treatments, so the most it pays is 1,000 × 5 = THB 5,000
- The difference you pay yourself: (1,500 − 1,000) × 5 = THB 2,500
- If the pet falls ill a 6th time in the same year, that already exceeds the number of treatments under Plan M
This is an illustration only, and applies once the first 60 days of the first policy year have passed. Actual payment depends on the receipts and the policy conditions.
Who is Dhipaya Insurance pet insurance for?
- Owners of pets aged 3 months to 7 years who want to apply without a health check
- People who take their pet to the vet several times a year and want a limit to help share the cost
- People who travel abroad often and need to board their pet
- Owners who worry about their pet biting someone or damaging other people's belongings
Who should not buy this plan yet?
- Pets over 9 years old: this plan accepts pets up to 9 years old at enrolment
- Pets that have previously had surgery for an illness, or that are currently injured or ill
- Pets with chronic or hereditary conditions: treatment for pre-existing or congenital conditions is not covered
- People who want to claim for ticks, fleas, worms or skin diseases: these are excluded
- People who do not have a complete vaccination record as scheduled by the vet
Limits to check before you decide
- Illness in the first 60 days from the date the policy first takes effect: treatment and death are not covered
- Accident treatment can be claimed once a year, and the per-treatment limit for illness is fairly low
- Death more than 90 days after the date of the accident or illness is not covered
- Key exclusions: parasitic worms, ticks, fleas, mites, lice, epidemic diseases, mange and skin diseases of any kind, malnutrition, transport, and being deliberately killed or harmed
- Pets aged 8–9 need a health check before the insurer accepts them, and cover applies in Thailand only
- You can hold 1 policy per pet
Once your pet is looked after, remember the cover for the people at home too, for example Happy PA accident insurance or Chubb Easy Home home insurance
Want to know which plan suits you? What do you need to send?
Send just 3 things
- Your pet's type, breed and date of birth
- A photo of the latest vaccination record
- The plan you are interested in, or the average treatment cost per visit you have paid
Our team will check the age conditions and documents, then send you a written quote and application form within a business day. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Related documents and links: Pet insurance application form, page 1 (Thai) · Pet insurance application form, page 2 (Thai) · Documents for applying for pet insurance (Thai)
Frequently asked questions
Can I apply for a pet aged 8?
Yes, but pets aged 8–9 need a health check first. Pets aged 3 months to 7 years do not need one.
If I apply today and my pet falls ill next week, can I claim?
No. Illness within the first 60 days from the date the policy first takes effect is not covered.
Can I claim for treating ticks and fleas or skin diseases?
No. Parasitic worms, ticks, fleas, mites, lice and skin diseases of any kind are excluded.
How do I claim?
Email the documents to [email protected]: a claim letter with the vet's treatment record, a photo of the original receipt, a copy of the ID card and a copy of the bank passbook page of the insured.
My pet bit the neighbour. Does the insurance help?
There is third-party liability cover for death and bodily injury of THB 10,000–15,000 per year, depending on the plan. Payment is subject to the policy conditions.
Who approves claims: Prakanthai.com or Dhipaya Insurance?
Underwriting and claim payments are decided by Dhipaya Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on the product information for TIP Pet Lover pet insurance from Dhipaya Insurance Public Company Limited as at 15 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.