Pet insurance pays for the veterinary treatment your pet needs after an accident or emergency, and for damage your pet may cause to others. In Türkiye these products are generally offered for cats and dogs.
Cover limits, waiting periods and services vary considerably by insurer and package. One package may cover emergencies only, while more comprehensive ones may include items such as examinations, diagnostic tests and surgery. We compare insurers' packages based on your pet's species, age and your needs, and recommend the one that suits you.
What is covered?
- Veterinary treatment after accidents and emergencies (such as road accidents, falls, swallowing foreign objects, poisoning and burns)
- Inpatient treatment costs
- Outpatient treatment costs
- In comprehensive packages, examinations, diagnostic tests (such as X-ray, ultrasound and blood tests) and surgery
- Damage your pet causes to third parties (third-party liability)
- Lost-pet advertising and, in some packages, reward costs
- Grooming-type services such as nail trimming, eye and ear cleaning and an annual check-up (package dependent)
Optional add-on covers
- Discounted services at contracted veterinary clinics (insurer dependent)
- Discounts on services such as dog training (insurer dependent)
What you should know
Limits and conditions in pet insurance vary by insurer and package, and we compare them for you. Cats and dogs aged between 6 months and 8 or 10 years can generally be insured; full vaccinations and a microchip or ID/pet passport are usually required. Some insurers exclude breeds banned under Animal Protection Law No. 5199.
A waiting period applies after the policy starts: for emergencies there may be none, or it may range from 24 hours to 15 days depending on the package, while for non-emergency treatment it can be up to 3 months. Vaccines, parasite treatments, routine check-ups, congenital and hereditary conditions and conditions that existed before the policy are generally excluded. Some packages are valid only at contracted vets or apply a co-payment.
Pet cover can also be found inside other products rather than a standalone pet policy: Sompo Sigorta's İklim (Climate) Insurance pays vet, surgery, medication, test and X-ray costs within its limits if a pet is injured in an accident, and Corpus Sigorta's Evim Güvende Home Package Insurance includes pet liability cover.
Frequently asked questions
Pet insurance is generally offered for cats and dogs. Age limits vary by insurer, but animals between 6 months and 8 or 10 years old are usually accepted.
Generally not; vaccines and parasite treatments are excluded in most packages. Some packages do, however, offer grooming-type services such as an annual check-up, nail trimming and eye and ear cleaning.
If it meets the other conditions, yes; however, conditions that existed before the policy and congenital and hereditary conditions are generally excluded, so treatment related to that condition may not be covered.
It depends on the insurer: some packages are valid only at contracted vets, while others apply a higher co-payment at non-contracted clinics. At the quotation stage we check which insurers your regular vet works with.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.