Pet HMO: Nationwide Coverage

Vet bills, covered. Anywhere in Nigeria.

Skeepy Pet HMO covers your dog or cat at any vet clinic, anywhere in Nigeria. From the routine jabs to the surgery you never planned for.

Plans start from ₦15,000/month

Already in the Skeepyverse

Meet Skeepers across Nigeria

Hear from them
How it works

You pay the clinic from your pet dashboard.

No cash, no card, no claim form. You settle the bill instantly using Skeepy Pay from your pet dashboard.

1

Add the clinic

Any clinic in Nigeria with its own premises (a mobile vet only if it is a Recommended Clinic): its registered name, address, and its business bank account. Once added, it's saved for next time.

2

Enter the bill

Pick the services and type the prices. Each line shows straight away whether your plan covers it.

3

Pay with Skeepy Pay

Covered care is paid from your plan and lands in the clinic's account the way a bank transfer does. Weekends too.

Surgery and other high-cost treatment are approved by a Skeepy vet before treatment starts, usually within 15 to 30 minutes. Waiting periods apply: 14 days for consultations and core vaccines, longer for other benefits.

Talk to a vet

Not sure it needs a clinic? Ask a vet first.

Message a real vet from your dashboard, before you decide on the trip.

  • Send a photo of what you're seeing
  • The advice is saved to your pet's health record
  • Free on every plan, as often as you need
Kiki keeps shaking her head and scratching her left ear. Since yesterday.
A vet has joined
SKEEPY VETThanks for telling me early. Does she pull away when you touch it?
Yes. And it smells a bit.
SKEEPY VETSend me a clear photo of the inside of the ear, in good light. That tells us whether she needs to be seen today.
Plans

Choose a plan that fits.

Cublings Plan

Under 12 months. DHLPP or FVRCP 3 times, rabies, deworming 8 times, spay or neuter. ₦1,000,000 of care.

Furrtastic Plan

Unlimited consultations, illness treatment up to ₦120,000, surgery up to ₦400,000. ₦1,200,000 of care a year.

Adds the extras

Purrfect Plan

Adds a yearly blood test and X-ray, dental cleaning, 3 days' boarding, 5 hours' sitting and a microchip. ₦2,100,000 of care.

Infinity Plan

Two of every yearly test, 6 emergencies, 12 dewormings, surgery up to ₦1,500,000. ₦4,200,000 of care.

See what's covered →

Their year

Their whole year, already planned.

Every vaccine, deworming, test and groom your plan covers, laid out across twelve months.

All yearConsultations, unlimitedVet chat, free
VaccinesWorms, fleas, ticksTestsGroomingAway from homeOnce a year

An example year: what each plan covers, spread across twelve months. Your vet sets the real dates. Each benefit opens after its own waiting period.

Clan Plan

More pets, less per pet.

Every pet on one bill, each on its own plan: Cublings for puppies and kittens, Furrtastic, Purrfect or Infinity for the rest. Two pets: 15% off each. Three: 20%. Four or more: 25%.

Pets on each plan
Cublings
0
Furrtastic
2
Purrfect
0
Infinity
0

Pay

, . Save .

Inside Skeepy

Updates from the Skeepyverse

Pet parent or not, you should be in the Skeepyverse. Here's what's happening inside.

MMudit · Lekki
“Skeepy took care of all the bills.”Mel's dad, on the Purrfect Plan
Pay the vet with Skeepy Pay.
At once, like a bank transfer, at any clinic in Nigeria with a business bank account.
Something feels off? Ask a vet. Free.
A real vet on chat, on every plan, as often as you need.
Wendy and Dany Grace
WWendy · Abuja
“It's a relief to find a place that offers both quality care and a solid pet HMO plan.”Dany Grace's mum
JJason · Lagos
“I don't have to worry about emergencies.”Jason the Cat Guy, dad to Femi, Ifeoma and Caesar
Kaheesha with two of her cats
KKaheesha
“Easier to prioritise their health without feeling overwhelmed by the cost.”Mum to Aslan, Shurri and Papa
Four pets? 25% off each.
Clan Plan: one bill for every pet, each on its own plan, Cublings included. 15% off for two, 20% for three.
From ₦15,000 a month.
Four plans. Pay yearly and save 7%.
See the plans
Hear from Skeepers

What Skeepers think of the Skeepyverse

Pet parents who love their pets sign them up for Skeepy Pet HMO. Here's what they think about Skeepy.

FAQs

The questions everyone asks first.

You asked

Do I have to use your clinics?

No.

Pay any clinic in Nigeria with its own premises and a business bank account. Skeepy's Recommended Clinics, in six states with Lagos and Abuja among them, are there if you want one.

You asked

Do I pay first and claim it back later?

No.

At the clinic, you enter the bill and pay it with Skeepy Pay, from your phone. Covered care is paid from your plan; you pay only what it doesn't cover, and you see that before you pay.

You asked

How fast does the clinic get the money?

At once.

When you pay with Skeepy Pay, it lands in the clinic's account the way a bank transfer does, weekends included. Surgery and other high-cost treatment are approved by a Skeepy vet before treatment starts, usually within 15 to 30 minutes.

You asked

What if I'm not sure it needs a clinic?

Ask a vet.

Chat with a real vet from your dashboard, free on every plan, as often as you need.

Send a photoAdvice saved to their record
You asked

When does the cover start?

It depends.

Each benefit has its own waiting period, counted from the day cover starts: 14 days for consultations and core vaccines, longer for others. Every plan page lists each one.

You asked

I have more than one pet. Is there a discount?

Up to 25%.

Put them all on a Clan Plan, one bill, each on its own plan: Cublings, Furrtastic, Purrfect or Infinity, in any mix. 15% off each pet for two, 20% for three, 25% for four or more.

Clinics ask

Do we have to sign up to be paid?

No.

Skeepers pay you with Skeepy Pay, at your full price, and the money lands in your business account like any transfer. Partner clinics are also listed as Skeepy's Recommended Clinics.

Didn't see your question?

For clinics

Want more pet parents who pay instantly?

Partner with Skeepy and pet parents find you: we list you among the clinics we trust and recommend you to Skeepers near you. Every Skeeper pays your full price with Skeepy Pay, straight into your business account. And you run your whole practice on VetNode, free.

Sort the vet bill before you need the vet.