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Pet Insurance in India - Comprehensive Coverage for Your Furry Friends

10 min read
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As devoted pet parents in India, we understand the importance of providing the best care for our beloved pets. To ensure their well-being and protect ourselves from unexpected veterinary expenses, pet insurance has become a vital consideration. In this comprehensive guide, we will explore everything you need to know about pet insurance in India, including the benefits, coverage options, top insurance providers, application process, and cost. Get ready to safeguard your pet's health and your peace of mind with the right pet insurance coverage.

Understanding Pet Insurance

how does pet insurance works

Pet insurance serves as a safety net, offering financial coverage for various veterinary expenses. Whether it's routine check-ups, accidents, illnesses, surgeries, or emergency treatments, pet insurance ensures that your furry companion receives the necessary care without straining your finances. It's a proactive step towards protecting your pet's health and well-being.

Why Do You Need Pet Insurance?

  • Financial Protection: Pet insurance provides coverage for unexpected veterinary expenses, saving you from hefty medical bills.

  • Peace of Mind: Having pet insurance ensures you can focus on your pet's health without worrying about the cost of treatments.

  • Emergency Situations: Insurance prepares you for accidents and emergencies, allowing you to provide immediate care.

  • Breed-Specific Conditions: Pet insurance covers screenings, diagnostics, and treatments for breed-specific health conditions.

  • Long-Term Health Management: Insurance helps manage chronic illnesses and ongoing medical care for your pet.

  • Expanded Treatment Options: With insurance, you can explore advanced procedures and treatments for your pet.

  • Lifetime Coverage: Opting for a lifetime policy ensures continuous coverage for your pet's changing health needs.

  • Comprehensive Coverage: Pet insurance includes various veterinary expenses, such as surgeries, medications, and rehabilitation.

By getting your pets insured, you can provide them with the best care while protecting yourself from unexpected financial burdens.

Coverage for Dogs and Cats

Pet insurance is available for both dogs and cats, covering a wide range of breeds and ages. Whether you have a playful Labrador or an elegant Persian Cat, there are insurance policies designed to meet their unique needs. By opting for pet insurance, you can provide comprehensive medical coverage for your four-legged family members.

What Pet Insurance Covers in India

what to look for from your insurer

  • Veterinary Expenses: Pet insurance in India covers the cost of veterinary consultations, examinations, diagnostic tests, and treatments for your pet.

  • Hospitalization: If your pet requires hospitalization due to an illness or injury, the insurance will cover the expenses incurred during their stay at the veterinary hospital.

  • Surgery: Pet insurance provides coverage for various surgical procedures that your pet may require, including both major and minor surgeries.

  • Medications: The cost of prescribed medications for your pet's treatment is covered by pet insurance.

  • Accidents and Injuries: Pet insurance typically covers the expenses related to accidents and injuries, such as fractures, wounds, and lacerations.

  • Illnesses: Pet insurance covers the costs of treating illnesses and diseases, including chronic conditions and infections.

  • Hereditary and Congenital Conditions: Certain pet insurance policies in India also cover hereditary and congenital conditions that may affect your pet.

  • Emergency Care: If your pet requires emergency medical care, the expenses for emergency treatments are covered by pet insurance.

  • Death Benefits: Some pet insurance policies provide coverage for the unfortunate event of your pet's death, offering compensation for the purchase price or market value of the pet.

What Pet Insurance Does Not Cover in India

  1. Pre-existing Conditions: Pet insurance does not cover any pre-existing conditions that your pet may have at the time of policy inception. These are typically conditions that existed before obtaining insurance coverage.

  2. Routine and Preventive Care: Most pet insurance plans do not cover routine care expenses, such as vaccinations, deworming, spaying/neutering, dental cleanings, and routine check-ups.

  3. Breeding and Pregnancy-Related Expenses: Pet insurance generally does not cover costs associated with breeding, pregnancy, or birthing complications.

  4. Cosmetic Procedures: Procedures that are purely cosmetic, such as tail docking or ear cropping, are typically not covered by pet insurance.

  5. Behavioral Issues: Treatment for behavioral issues, including training and obedience classes, is usually not covered by pet insurance.

  6. Alternative Therapies: Some alternative therapies or treatments, such as acupuncture or holistic medicine, may not be covered by standard pet insurance policies.

Applying for Pet Insurance

The application process for pet insurance is simple and convenient.


To be eligible for a pet insurance policy, your pet should be registered with the Municipal Corporation or a deemed local government authority. Alternatively, they should be certified by the Kennel Club of India. Additionally, micro-chipping your pet is also considered a prerequisite for some insurance companies.

Required Documents

When applying for a pet insurance policy, you will need to provide the following documents for most of the insurance companies:

  1. Insurance Proposal Form: Fill out the insurance proposal form with the necessary details related to your pet. This form helps the insurance company gather information about your pet's breed, age, and health condition.

  2. Color Photos: Include color photographs of your pet as per the specified requirements. These photos should capture various angles to help identify your pet accurately. Specifically, you will need to submit photos showcasing your pet's face, birthmark, and both right and left sides.

  3. Vaccination Records: Declare that your pet has received all necessary vaccinations on time. This helps the insurance company assess your pet's overall health and ensure they are adequately protected against common diseases.

  4. Diagnostic Test Results (if applicable): In some cases, the insurance company may require additional diagnostic test results, such as a circulatory blood count (CBC), urine test, or chest X-ray. These tests help evaluate your pet's health condition and can be requested based on specific circumstances or policy requirements.

  5. Pedigree Certificate (if applicable): If you opt for an insurance policy that provides coverage based on your pet’s lineage, breed value or bloodline, you will need to provide a pedigree certificate issued by the Kennel Club of India (KCI). This certificate serves as proof of your pet's pedigree and lineage.

By submitting these required documents and fulfilling the prerequisites, you can ensure a smooth application process for your pet insurance policy. Remember to carefully review the policy terms, conditions, and any additional requirements specified by the insurance company. Providing accurate and complete information will help expedite the policy issuance and ensure that your pet receives the necessary coverage and protection.

Understanding the Costs and Coverage Types of Pet Insurance in India

When it comes to insuring your beloved pet in India, it's essential to familiarize yourself with the costs involved and the different types of coverage available. The Insurance Regulatory and Development Authority of India (IRDA) ensures that pet insurance plans meet regulatory standards. Here's a breakdown of the costs and coverage types to help you navigate the world of pet insurance in India:

  • Customized Plans for Various Pets: Pet insurance providers offer tailored plans to cater to the diverse needs of pet parents. Whether you have a dog, cat, bird, cattle, or horse, you can find a policy that suits your specific requirements.

  • Sum Assured: The sum assured, which represents the maximum coverage amount, varies based on factors such as breed, age, and overall health of your pet. In India, typical sums assured range from Rs 15,000 to Rs 30,000. Remember, higher sums assured are usually associated with more comprehensive policies.

  • Third-Party Cover: Some pet insurance policies also include a third-party cover. This means that if your pet bites or causes harm to a third party, resulting in damages or legal liabilities, the policy will help cover those costs.

Types of Pet Insurance

  • Lifetime: A lifetime pet insurance policy provides coverage for your pet's entire life, offering financial protection against long-term illnesses such as eczema and arthritis. You will receive a specified amount each year towards the treatment of your pet's medical conditions.

  • Annual (or Time Limited): An annual or time-limited pet insurance policy offers coverage for a specific period, typically one year, to address specific illnesses or injuries. Once the coverage period expires, the policy will no longer provide financial support for the designated conditions.

  • Accident Only: Accident-only pet insurance policies focus solely on covering injuries resulting from accidents. These policies do not provide coverage for illnesses or pre-existing conditions, making them a more affordable option for pet parents seeking protection against unexpected accidents.

  • Maximum Benefit: A maximum benefit pet insurance policy sets a financial limit on the amount the insurer will pay for each condition or treatment. Once the maximum benefit is reached, the policy will no longer cover expenses related to that specific condition, even if the coverage period has not ended.

Does Pet Insurance Cover Death?

It's important to note that most standard pet insurance policies do not cover death or euthanasia. Pet insurance primarily focuses on providing coverage for medical treatments and related expenses. However, some insurance providers may offer optional add-ons or separate policies for end-of-life expenses, such as funeral or cremation costs. Be sure to clarify the coverage details with the insurance provider before making a decision.

Top Pet Insurance Providers in India

pet insurance providers

When it comes to pet insurance in India, several reputable companies stand out for their comprehensive coverage and reliable services. Here are three popular options to consider:

  1. Future Generali India Dog Health Insurance: Offers comprehensive dog health insurance plans to cover veterinary consultations, diagnostic tests, surgeries, hospitalization, and medication costs. The monthly premium for the policy begins at ₹323 and covers essential aspects such as terminal illness, surgery and hospitalization, and mortality. Can be customized based on your dog's breed, age, and specific healthcare needs, providing financial protection and peace of mind.

  2. BAJAJ Allianz Pet Insurance: Provides pet insurance policies that cover both dogs and cats from three months of age. Offers benefits like coverage for lost or stolen pets, adding an extra layer of protection. The monthly premium begins at ₹315 and covers illnesses, accidents, surgeries, and even hereditary conditions. Has a wide network of partner veterinarians, making it convenient to access quality healthcare for your pets.

  3. Digit Pet Insurance: Known for its comprehensive coverage options and quick claim settlement process. Offers plans tailored to different budgets and provides coverage for accidental injuries, illnesses, and surgeries. User-friendly interface and efficient customer support make it a popular choice among pet parents. The monthly premium at Digit Pet varies according to the location of the pet, breed, age and the opted plan. Has a transparent pricing structure, ensuring that pet parents understand the costs and benefits of their policies.


Pet insurance in India is a valuable investment for pet parents in Bangalore and across the country. By opting for the right coverage, you can ensure that your furry companions receive the best possible care without worrying about the financial implications. Consider the coverage options, benefits, and reputation of insurance providers like Future Generali India Dog Health Insurance, BAJAJ Allianz, and Digit Pet Insurance. Evaluate your pet's needs, compare policies, and make an informed decision to protect your pet's health and well-being. With pet insurance, you can cherish every moment with your furry companion, knowing that they are protected.