SOCIPET, a product of Societas Insurance Brokers
Last updated: 31 October 2026
1. Who you are dealing with
SOCIPET is arranged by Societas Insurance Brokers, of Office 17, 4th floor, Zahara Complex, Salem Al Mubarak Street, Salmiya, Kuwait.
Your policy is underwritten by ILAF Takaful Insurance Company. Claims are handled and settled by Exalgia International Loss Adjusting Co.
Societas arranges the insurance. The insurer carries the risk.
2. Who can buy
To buy a SOCIPET policy you must:
- be 18 or over
- hold a valid Kuwait Civil ID
- be buying for cats or dogs that are in Kuwait and in your ownership or care
3. What you are buying
You buy one plan — Silver, Gold or Platinum — and a number of places on a single policy. A place is cover for one cat or one dog.
You do not name your pets when you buy. A place is allocated to the first pet of that species presented for treatment at an approved clinic or hospital under your policy, and that pet is identified by microchip at that point.
Once a place is allocated it stays with that pet for the rest of the policy year. It cannot be moved to another pet, and it is not released if that pet dies or is rehomed.
Each place carries its own annual limit.
If a place is allocated to the wrong pet by mistake, we will have it corrected.
One policy carries one plan. You cannot mix plans on the same policy.
4. Price and payment
The price shown is the price for each place. The total is the plan price multiplied by the number of places you buy.
Payment is a single payment covering the full policy year. It is taken through Bookeey's secure hosted payment page. We do not see or store your card details.
If a payment fails or is cancelled, no policy is created and nothing is charged. A policy exists once the payment has succeeded and we have sent you the policy documents by email.
The statutory policy fee, control fee and beneficiary fee required by the Insurance Regulatory Unit are included within the price shown. They are not charged on top.
5. When your cover starts
Cover for sickness and illness, where your plan includes it, starts as soon as your payment is completed.
Cover for injury starts 72 hours after your payment is completed. Injuries during those first 72 hours are not covered.
Your policy runs for twelve months from the date your payment is completed.
6. The policy wording governs
These terms explain how the website and the purchase work. What is and is not covered is set out in the policy wording, which you can read on this site before you buy and which is sent to you with your policy.
If anything on this website conflicts with the policy wording, the policy wording applies.
7. Where treatment must take place
All covered treatment must be given at a clinic or hospital on the list of approved clinics and hospitals published on the SOCIPET website on the date of treatment. Treatment anywhere else is not covered, and nor are goods or medicines bought anywhere else, even where prescribed by an approved clinic or hospital.
SOCIPET takes care of the claim for you. There is no form to fill in, you pay nothing at the counter for covered injury treatment, and for sickness you pay only your share. Medicines and food are not part of the sickness share.
The list of approved clinics and hospitals may be updated. Any change will be published on the Approved clinics page of this site.
8. Refunds and cancellation
The premium is a single payment for the full year and is not refundable. This applies whether or not you make a claim.
A payment taken twice by mistake will be refunded, or its places added to your policy, as you prefer.
9. Adding places later
You can add places to an existing policy during the policy year. Added places run to the same expiry date as the rest of your policy. An added place is charged in full, not in proportion to the time remaining.
10. Your policy documents
Your policy schedule is sent to you by email after payment. Your Civil ID number is your policy number.
If a detail on the policy is wrong, write to us and we will have it corrected.
It is your responsibility to keep your mobile number and email address up to date with us.
11. Changes to plans and prices
We may change the plans we offer and the prices we charge. Any change applies to new policies and to renewals. It does not change a policy that is already in force.
12. The website
The text, images, logos and marks on this website belong to Societas Insurance Brokers or to the partners who licensed them to us. You may read this website and print it for your own use. You may not copy it, republish it or use it commercially without our permission.
We try to keep the site accurate and available, but we do not promise that it will be free of errors or available without interruption.
An obvious error — a wrong price, a broken description — does not oblige us to sell on those terms.
13. Our responsibility
Nothing in these terms limits any liability that cannot be limited under Kuwaiti law.
Subject to that, Societas Insurance Brokers is not responsible for loss arising from your use of this website, or from any error or interruption on it.
Claims under your policy are a matter for the policy wording and are the responsibility of ILAF Takaful Insurance Company as insurer.
14. Complaints
If something goes wrong, email info@societaskw.com. We will come back to you within two working days.
If you are not satisfied with our response you may raise the matter with the Insurance Regulatory Unit of the State of Kuwait.
15. Law and jurisdiction
These terms, and any policy bought through this site, are governed by the laws of the State of Kuwait. The courts of Kuwait have jurisdiction over any dispute.
16. Changes to these terms
We may update these terms. The date at the top of this page shows when they were last changed. The terms that apply to your policy are the ones in force when you bought it.
17. Language
These terms are published in English and Arabic. If the two versions differ, the English version applies.
18. Your duties after an injury
After an injury, you must follow the treating vet's advice. If you do not, your cover can end.