Abstract:
Nowadays Indonesia has not had a regulation on pet insurance. Meanwhile, in practice, there already are
some pet insurance products. This gap has led to pet insurance policies that are only being based on general
contract regulations and principles. One of the general contract principles is the consensual principle
which is outlined in Article 1320 paragraph 1 of the Civil Code. The research of this paper is conducted
based on pet insurance regulations, principles and norms application. It concludes that pet insurance
policies that are being based only on the consensual principle have binding legal force as regulated on
Article 1338 of the Civil Code. The conception of pet insurance in Indonesia subsequently should refer
to the Ministerial Regulations, such as the Regulation of Minister of Agriculture Number
40/Permentan/SR.230/7/2015 regarding Agriculture Insurance Facility and also other supplementary
regulations.