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Pet Insurance in Taiwan

Every pet insurance plan you can buy online in Taiwan, side by side: what each one pays, what it costs, who can enrol, and the fine print that decides whether a claim gets paid.

✓ Checked against insurer websites · 10/17/2026 Independent guide · no paid rankings
The basics At a glance Fubon Cathay Want Want Mingtai Subsidies Not covered FAQ Sources

Always verify before you buy. Plan terms, premiums, promotions and subsidies change often, and this page is a summary, not a quote. Contact the insurance company directly (or the city office, for subsidies) to confirm the latest policy wording, prices, promotions and eligibility before you apply.

4
insurers selling pet plans online
NT$1,991
average premium per policy, Jan–May 2026
32,855
policies written Jan–May 2026 (+17% YoY)
~2–3%
of Taiwan's 3.2M+ dogs and cats are insured

Industry figures from Commercial Times (工商時報), 7 Aug 2026. Cathay, Want Want Union and Fubon together wrote about 99% of premiums. The "~2–3%" figure is our rough estimate: five-month policy count annualised (≈79,000) against the Ministry of Agriculture's 2025 dog and cat count.

' Read this first

Rules that apply to every policy

Since 2023 Taiwan's insurers have used standard pet clauses from the Non-Life Insurance Association (產險公會), so the ground rules are largely shared. The details below vary by insurer.

🐶🐱

Dogs and cats only

No insurer covers rabbits, birds, reptiles or other species. Working, breeding, show and hunting animals are excluded.

🔖

Microchip + registration

Your pet must be chipped and registered (寵物登記), and you must be the registered owner. One chip number can only be on one policy, and no health exam is needed.

🎂

Enrol young

First-time enrolment closes at 6½–8½ years depending on the insurer. A senior pet that has never been insured generally cannot get cover.

⏳

Waiting periods

Typically 30 days for illness and 90 days for cancer, heart, kidney and joint conditions such as patellar luxation and IVDD. Accidents are usually covered from day one.

🔁

One-year terms

Every plan is annual and renewal is not guaranteed. The insurer can decline to renew, and premiums rise with age.

🧾

Reimbursement, not cash-free

You pay the vet, then claim actual costs up to each plan's per-visit and per-year limits, less any co-pay. Some plans only pay at designated clinics.

' At a glance

The four insurers compared

Lowest published first-year premium for each insurer. Your quote depends on species, breed and age.

Swipe the table sideways to see all columns →

Insurer Plans From / yr First enrolment Renew up to Co-pay Which vets
Fubon Insurance S4 · M4 · L4 NT$3,542 2 mo – under 8 yr Under 15 yr 20% / 10% / 0% Designated clinics
Cathay Century Basic · Advanced · Complete NT$2,941 8 wk – 6 yr 5 mo 9 yr 5 mo – 14 yr 5 mo† 30% Any licensed vet
Want Want Union Plan 1 · 2 · 3 NT$2,536 6 mo – 8½ yr Not published Not published Designated clinics
Mingtai Insurance 喜愛 · 熱愛 · 醉愛 NT$1,841 8 wk – 8 yr 8 yr 20% Not stated

† Cathay's own page conflicts on this. Its table says Basic renews to 14 yr 5 mo and Advanced/Complete to 9 yr 5 mo, but its summary says "up to 14" for all plans. Confirm before you buy.

' Plan by plan

Every plan, in full

All amounts are in NT$. "Per visit / cap" is the most paid for one visit and the most paid across the policy year.

富

Fubon Insurance

毛起來愛 4.0 · 全新寵物綜合保險（指定獸醫院版）
From
NT$3,542/yr
Cat, plan S4, first year
  • Enrol 2 mo – under 8 yr
  • Renew to under 15 yr
  • Online only · own credit card
  • Designated clinics
  • No wait for accidents
Coverage S4 · Basic M4 · Popular L4 · Premium
Outpatient (per visit / cap) 1,000 / 2,000 2,000 / 6,000 2,000 / 10,000
Inpatient (per stay / cap) 10,000 / 20,000 20,000 / 40,000 30,000 / 60,000
Surgery (per op / cap) 10,000 / 20,000 20,000 / 40,000 30,000 / 60,000
Total medical cap / yr 42,000 86,000 130,000
Co-pay on medical 20% 10% None
Third-party liability 1,000,000 1,500,000 1,500,000
Funeral 2,000 3,000 5,000
Lost-pet advertising 10,000 10,000 15,000
Boarding (per day, max 10) 500 500 1,000
First-year premium · dog / cat 3,827 / 3,542 5,305 / 4,882 6,747 / 6,247
Renewal at age 14 · dog / cat 12,631 / 11,495 18,286 / 16,608 22,433 / 20,431
  • Claims are paid only for treatment at Fubon's designated clinics. Those clinics send your records digitally, so you don't need paper receipts. If you're referred to a clinic outside the network, you supply the originals yourself.
  • Skin and coat conditions are paid at outpatient rates only, at most twice per condition. Euthanasia recommended by a vet counts as surgery.
  • Wait 90 days for cancer, patellar luxation, hip dysplasia, IVDD, and heart, kidney, thyroid, epilepsy and diabetes claims, and 30 days for other illness.
  • 18 breeds are excluded, mainly mastiff and bull types such as Pit Bull, Tosa, Dogo Argentino and Fila Brasileiro, plus their mixes.
  • You can't switch plans mid-term; you cancel and re-enrol. Fubon also sells member-only versions through Costco Taiwan.
Watch the price curve: an L4 dog policy costs NT$6,747 in year one and NT$22,433 at age 14, while the payout limits stay the same.
國

Cathay Century

寵物醫療保險 · online
From
NT$2,941/yr
Basic plan, online reference price
  • Enrol 8 wk – 6 yr 5 mo
  • Any licensed vet
  • 30% co-pay, all plans
  • Largest insurer by premium
Coverage Basic 基礎 Advanced 進階 Complete 完整
Outpatient (per visit × times) Not covered 1,000 × 3 1,200 × 5
Inpatient (per stay × times) 5,000 × 1 5,000 × 1 5,000 × 2
Surgery (per op × times) 20,000 × 1 20,000 × 1 20,000 × 2
Total medical cap / yr 25,000 28,000 56,000
Co-pay on medical 30% 30% 30%
Third-party liability (policy cap) 500,000 500,000 500,000
Funeral 3,000 5,000 5,000
Lost-pet ads · replacement pet · trip cancellation Not covered 2,000 each 2,000 each
Boarding while you're hospitalised (per day) 800 1,000 (max 10) 1,000 (max 10)
Max renewal age 14 yr 5 mo 9 yr 5 mo† 9 yr 5 mo†
Reference premium (online) 2,941 4,480 4,895
  • Liability sub-limits are 100,000 per person injured, 200,000 per accident and 50,000 for property damage, within the 500,000 policy cap.
  • Advanced and Complete include one outpatient claim for skin or coat conditions.
  • Pre-existing illness, visible congenital defects and unchipped pets are excluded. So are several breeds, including French Bulldog, American Pit Bull Terrier, Tosa and Neapolitan Mastiff.
  • Premiums vary by breed and age. Cathay doesn't publish a dog-vs-cat or age table; use its quote tool.
Check the 30% co-pay: on a NT$20,000 surgery, Cathay pays about NT$14,000. A no-co-pay plan with a lower limit can pay out more on mid-sized bills.
旺

Want Want Union

寵物全能綜合保險 · online via partner channels
From
NT$2,536/yr
Cat, plan 1, estimate
  • Enrol 6 mo – 8½ yr
  • Designated clinics
  • Highest surgery limits
  • Terms effective 1 Sep 2026
Coverage Plan 1 Plan 2 Plan 3
Outpatient (per visit / cap) 1,700 / 4,250 2,800 / 7,000 3,200 / 8,000
Inpatient (per stay / cap) 8,500 / 17,000 14,000 / 28,000 16,000 / 32,000
Surgery (per op / cap) 21,250 / 42,500 35,000 / 70,000 40,000 / 80,000
Sum of medical caps / yr 63,750 105,000 120,000
Third-party liability 1,000,000 1,000,000 1,000,000
Lost-pet advertising 2,000 2,000 2,000
Boarding while you're hospitalised (per day) Not covered 1,000 1,000
Funeral Not covered 5,000 5,000
Replacement pet (shelter adoption) Not covered 5,000 5,000
Estimated premium · dog / cat 3,150 / 2,536 5,439 / 4,481 5,929 / 4,873
  • The replacement-pet benefit only pays if the new pet is adopted from a government-recognised public shelter, then chipped and registered.
  • Medical exclusions are spelled out in detail: dental disease (unless from injury), spay/neuter, pregnancy, brachycephalic syndrome, cryptorchidism, cataracts, glaucoma, retinal degeneration, degenerative joint disease and visible congenital defects.
  • Liability won't pay if your pet was in public without a supervising person aged 7 or over. Aggressive dogs require a supervising adult.
Partly verified: Want Want's product page lists what's covered but leaves the amounts to the policy schedule. The limits, premiums and age range above come from Money101's comparison (updated 30 Jun 2026), and Want Want doesn't publish its co-pay, waiting periods or maximum renewal age. Get a quote before relying on these.
明

Mingtai Insurance

寵物綜合保險（己式） · sold via Taishin Bank e指Fun心保
From
NT$1,841/yr
Age-1 pet, first year
  • Enrol 8 wk – 8 yr
  • Renews only to age 8
  • 20% co-pay
  • Add-ons sold separately
  • Cheapest entry price
Coverage 喜愛毛孩 熱愛毛孩 醉愛毛孩
Outpatient (per visit × times) 1,000 × 2 2,000 × 5 2,000 × 5
Inpatient (per stay × times) 5,000 × 1 8,000 × 1 20,000 × 1
Surgery (per op × times) 10,000 × 1 20,000 × 1 30,000 × 1
Total medical cap / yr 17,000 38,000 60,000
Co-pay on medical 20% 20% 20%
Boarding while you're hospitalised (per day, max 10) 2,000‡ 2,000‡ 2,000‡
First-year premium (age-1 pet) 1,841 3,417 3,868
  • Optional add-ons: third-party liability up to 100,000 (NT$214), funeral up to 5,000 (NT$631), trip cancellation up to 2,000 (NT$107).
  • Age rounds up at six months, so a pet aged 1 year 7 months is priced as a 2-year-old.
  • Online policies don't auto-renew. Excluded breeds: Pit Bull, Tosa, Neapolitan Mastiff, Dogo Argentino, Fila Brasileiro and Mastiff.
Short horizon: the Taishin page says cover renews only until age 8, which is when most costly illnesses start. ‡ The same page also gives the boarding benefit as both 2,000/day and 1,000/day, so confirm it with Mingtai.
Reality check

The big bills are bigger than the limits

Spinal disc surgery (IVDD), common in dachshunds, corgis and French bulldogs, typically costs NT$80,000–120,000 in Taiwan. No current online plan pays more than NT$40,000 for a single operation.

IVDD surgery bill 80–120k
Want Want · Plan 3 40,000
Fubon · L4 30,000
Mingtai · 醉愛 24,000*
Cathay · any plan 14,000*

Maximum paid for one surgery. Bars scale to NT$120,000. *After co-pay (Mingtai 20%, Cathay 30%). Want Want doesn't publish its co-pay, so its bar shows the gross limit. Surgery cost range from 旺得富理財網, 16 Aug 2026.

' Money back

City pet insurance subsidies

Two cities refund part of the premium. Most other counties subsidise spay/neuter, not insurance.

Taipei City

Up to NT$3,000

Who: owners who live in or have household registration in Taipei, or who adopted from the Taipei Animal Shelter (any year).

Pet must be: chipped and registered, spayed/neutered (or exempted), rabies-vaccinated, and named by chip number on a valid policy.

Apply: 1 Jan – 20 Dec each year via the Taipei Pass (台北通) app, in person at the Animal Protection Office or Animal Shelter, or by post. Once per animal; closes early if the budget runs out.

Source: Fubon summary of the city rules, 10 Sep 2026. Check the Taipei City Animal Protection Office before applying.

Taoyuan City

Up to NT$3,000

Who: owners who adopt a dog or cat from the Taoyuan Animal Protection Education Park (動物保護教育園區).

When: within the first year after adoption. The amount depends on the animal; the top rate is for harder-to-place adoptees.

Apply: through the Taoyuan City Animal Protection Office (動保處).

Source: Commercial Times, 5 May 2025. The application window isn't published, so check with the office.

The fine print

What pet insurance won't pay for

These exclusions appear across all four insurers in some form. They're the most common reasons claims are refused.

  • Pre-existing conditions, including any that appear before a renewal
  • Vaccines, check-ups, deworming and other preventive care
  • Spay/neuter, pregnancy and breeding
  • Dental disease not caused by an injury
  • Grooming, nail trims, supplements and food
  • Visible congenital and hereditary defects
  • Excluded breeds (mainly mastiff and bull types)
  • Anything outside Taiwan, Penghu, Kinmen and Matsu
  • Illness during the waiting period
  • Behaviour training and cosmetic procedures
' FAQ

Common questions

Is pet insurance worth it in Taiwan?

It depends on what you're protecting against. Every plan caps payouts at NT$17,000–130,000 a year, so it smooths out moderate vet bills and third-party liability, which is often the most valuable part (NT$500,000–1,500,000 on most plans). It doesn't fully cover major surgery, and premiums rise steeply with age. If you can set aside the equivalent premium every month, a dedicated savings fund is a reasonable alternative for vet bills, but it won't cover liability.

My pet is 9. Can I still get insured?

Not as a new customer. First-time enrolment closes between 6 years 5 months (Cathay) and 8½ years (Want Want). Pets already insured can renew to older ages with some insurers, up to under 15 at Fubon.

I don't know my adopted pet's birthday. What do I enter?

Use the birth date on its pet registration. If only the year is known, the industry convention is 31 December of that year.

Can I insure a rabbit, hamster or bird?

No. Taiwan's insurers currently cover only microchipped, registered dogs and cats.

Can I use any vet?

Only with Cathay, which accepts any licensed vet. Fubon and Want Want pay only for treatment at their designated clinics, so check the clinic list before you choose. Mingtai's page doesn't say.

Will my policy renew automatically?

Don't assume it will. All plans are one-year terms, renewal isn't guaranteed, and Mingtai's online policies don't auto-renew. A condition diagnosed this year can become "pre-existing" at renewal with some insurers.

Can I have two policies on the same pet?

No. Each microchip number can be on only one pet insurance policy.

Not financial advice. FurGoodLife isn't an insurance broker and doesn't earn commission on these plans. Figures are taken from public insurer pages and the press as of 10/17/2026, and insurers change terms often. Always contact the insurer to confirm current terms, prices and promotions; your policy wording and quote are what apply. Spotted something out of date? Tell us.

Sources

  1. Fubon — 毛起來愛 4.0 product page (approval dated 15 Jan 2026)
  2. Cathay Century — pet insurance page
  3. Want Want Union — 寵物全能綜合保險 (terms effective 1 Sep 2026)
  4. Taishin Bank — Mingtai pet insurance
  5. Money101 — 2026 pet insurance comparison (06/30/2026)
  6. Commercial Times — pet insurance market, Jan–May 2026 (08/07/2026)
  7. Fubon — pet subsidy round-up incl. Taipei insurance subsidy (09/10/2026)
  8. Commercial Times — Taoyuan adoption insurance subsidy (05/05/2025)
  9. 旺得富理財網 — pet insurance trends and IVDD costs (08/16/2026)
  10. 旺得富理財網 — Costco × Fubon pet insurance (08/11/2025)