Pet Insurance in Russia
Protect your pet and your finances with comprehensive pet insurance. Compare plans from leading providers, understand coverage options, and find the right policy for your pet's needs.
Pet Insurance in Russia
Protect your pet and your finances with comprehensive pet insurance. Compare plans from leading providers, understand coverage options, and find the right policy for your pet's needs.
- •Accident and injury coverage
- •Chronic illness treatment
- •Surgery and hospitalisation
- •Owner third-party liability
What's included
- Accident and injury coverage
- Chronic illness treatment
- Surgery and hospitalisation
- Owner third-party liability
- International travel cover
- Senior-pet programmes
When to use
- Young pet — lower premiums
- Breeds prone to hereditary disease
- Active large-breed dogs
- Pet participates in shows or travel
- Want to reduce risk of large unexpected bills
What happens step by step?
What to expect from your visit, step by step.
- 1
Risk assessment
Age, breed and lifestyle drive the premium. Young, healthy pets get the best terms.
- 2
Vet check and questionnaire
Most insurers require a recent vet exam and a health questionnaire before issuing the policy.
- 3
Waiting period
Typically 14–30 days for injury cover and up to 6 months for illness.
- 4
Claim filing
Submit the treatment report, receipts, and vet note. Reimbursement arrives by card in 10–30 days.
Pet insurance pricing (2026)
| Service | Moscow & St. Petersburg | Regions |
|---|---|---|
| Basic (accident-only) | ₽5,000 – ₽9,000/yr | ₽3,500 – ₽7,000/yr |
| Standard (accident + illness) | ₽12,000 – ₽22,000/yr | ₽8,000 – ₽16,000/yr |
| Premium (with wellness) | ₽25,000 – ₽45,000/yr | ₽18,000 – ₽32,000/yr |
| Deductible per claim | ₽500 – ₽5,000 | ₽500 – ₽5,000 |
Breeds with hereditary risks (French Bulldogs, Pugs, Maine Coons, Scottish Folds) typically carry a 20–40% surcharge.
What to prepare when buying a policy
- Recent wellness exam results (within 6 months)
- Pet passport with vaccinations
- Information on chronic conditions
- Breed papers if applicable
- List of clinics you plan to use
What to scrutinise in the contract
- Exclusions: hereditary disease, pregnancy, elective surgery
- Annual and per-incident payout caps
- Network clinics and out-of-network terms
- Waiting periods per condition group
- Renewal terms for senior pets
Frequently asked questions
How much is dog insurance in Russia?
Basic policies start at ₽5,000 per year, comprehensive runs ₽15,000–₽35,000 depending on breed, age and sum insured.
Does insurance cover routine vaccinations?
Most basic policies do not. Preventive care is typically included only in premium plans.
From what age can I insure my pet?
Usually from 8 weeks to 8 years. Senior-pet programmes are available for older animals.