PET INSURANCE
Smart protection for your pet's health.
The pet insurance is a financial shelter plan which assists the pet owners to cover their veterinary bills. With a regular premium, you are able to reimburse yourself against inadvertent medical expenses and even get your pet good and quality treatment without the stress of covering the bill.
WHY WOULD I NEED PET INSURANCE?
Support when your pet needs care.
Pet insurance is not a backup plan either it can be used to ensure that your pet can be provided with the best possible care without worrying about the high expenses involved. Unpredictable diseases or accidents may occur at any moment, and cures may not be cheap. With insurance, you can:
Manage Unpredictable Costs
Support Multiple Pets
Encourage Responsible Pet Ownership
Access Advanced Treatments
Reduce Stress During Emergencies
PET INSURANCE PROVIDERS IN INDIA
Leading pet insurance partners across India.
| Category | Bajaj Allianz General Insurance | HDFC ERGO General Insurance (Paws n Claws) | New India Assurance |
|---|---|---|---|
| Eligibility (Typical) | Registered dog/cat, usually age 3 mo–8 yrs, vaccinations up to date | Dog/cat with proof of identity & vaccinations, age limits vary. | Registered dog/cat, vaccination record required, age limits vary. |
| Pet Types Covered | Dogs & Cats | Dogs & Cats (up to 5 pets in one policy) | Dogs & Cats (depends on product availability) |
| Key Benefits | Hospitalisation, surgeries, accidents, third-party liability, OPD cover, theft/straying, optional add-ons | Illness, injuries, surgery, diagnostics, OPD expenses, customizable multi-pet coverage. | Accidents & diseases, third-party liability, hospitalization expenses. |
ELIGIBILITY FOR PET INSURANCE
Simple requirements for pet coverage.
Pet Type
Dogs and cats are generally eligible, with most insurers covering common breeds.
Age Requirement
Dogs and cats are generally eligible, with most insurers covering common breeds.
Vaccination Status
Pets must have completed all core vaccinations.
Health Condition
Pet must be healthy; pre-existing illnesses excluded.
Identification
Microchip or official ID tag is recommended for verification.
Required Documents
Vaccination records, ID proof, and pet photos are required for verification and insurance approval.
Pet Location
The pet must reside in India and be treated at licensed veterinary clinics or hospitals.
Breed Considerations
While most common breeds are accepted, some insurers may exclude exotic or high-risk breeds.
Pet Type
Dogs and cats are generally eligible, with most insurers covering common breeds.
Age Requirement
Dogs and cats are generally eligible, with most insurers covering common breeds.
Vaccination Status
Pets must have completed all core vaccinations.
Health Condition
Pet must be healthy; pre-existing illnesses excluded.
BENEFITS OF BUYING PET INSURANCE IN INDIA
Financial protection for pet healthcare.
Pet insurance offers several practical and long-term benefits for pet owners in India:
- Financial Security :Lessens pressure on large vet bills.
- Peace of Mind :There is no stress in case of emergencies.
- Comprehensive Care :Includes hospitalization and major treatment.
- Add-ons : such as OPD, travel cover, chronic care, can be customized.
- Promotes Preventive Care : Showing up at the check-up and vaccinations.
PET INSURANCE INCLUSIONS & EXCLUSIONS
Know what insurance Cover does not Cover.
Pet Insurance Inclusions
- • Accidental Injuries : Covers treatment costs for fractures, trauma, or injuries caused by accidents.
- •Illness & Medical Care : Covers hospitalization, infections, diseases, and necessary surgeries or procedures.
- •Hospitalization Fee : Room charges, the fees to the vet, medication, and diagnostic tests in hospitals.
- •Third-Party Liability : Pays any legal or medical fees in case your pet hurts a person, or destroys the property of another.
- •Death or Theft Cover : This is paid following an accidental death, theft, or loss of the insured pet.
- •Optional Add-Ons : It can also be covered with vaccinations, regular check-ups, diagnostic tests, chronic illnesses, and travel cover (based on the insurer).
Pet Insurance Exclusions
- •Pet Insurance Pre-Existing Conditions : Ailments or diseases that occurred to your pet prior to the policy commencement.
- •Congenital or Hereditary Diseases : Congenital or Hereditary Diseases Genetic disorders or breeding specific illnesses.
- •Regular Grooming and Cosmetic Surgery : Haircutting, nail-cutting or cosmetic surgery. Elective Procedures Surgeries or processes which are optional, selected by the owner and not necessary.
- •Pregnancy & Breeding Costs : Costs involve regular pregnancy, delivery, or breeding related costs.
- •Intended or Negligent Actions : Injuries which are occurred either intentionally or out of negligence by the owner.
- •Alternative/ Non- recognitions therapy : Homeopathy, ayurvedic medicines or any other unapproved therapy (depending on the insurer).
Pet Insurance Inclusions
- • Accidental Injuries : Covers treatment costs for fractures, trauma, or injuries caused by accidents.
- •Illness & Medical Care : Covers hospitalization, infections, diseases, and necessary surgeries or procedures.
- •Hospitalization Fee : Room charges, the fees to the vet, medication, and diagnostic tests in hospitals.
- •Third-Party Liability : Pays any legal or medical fees in case your pet hurts a person, or destroys the property of another.
- •Death or Theft Cover : This is paid following an accidental death, theft, or loss of the insured pet.
- •Optional Add-Ons : It can also be covered with vaccinations, regular check-ups, diagnostic tests, chronic illnesses, and travel cover (based on the insurer).
OVERVIEW OF PROVIDERS
Three trusted sources for pet insurance in India, each with unique strengths.
HDFC ERGO
(Paws n Claws)
Covers cats and dogs with customizable plans and multiple features. Eligibility: min 6 months, max entry age 5 years.
- Illnesses & injuries coverage
- Surgery & diagnostics
- Medications reimbursement
- OPD optional cover
- Trip cancellation benefit
- Third-party liability
- Funeral expenses
- Vet audio/video consults
- Multi-pet coverage
New India Assurance
(Dog Insurance)
Comprehensive cover for dogs including death from accident/disease, lost or stolen pets, and liability protection. Requires vet valuation and fitness certificate.
- Death from accident or disease
- Lost or stolen pet coverage
- Personal injury liability
- Property damage liability
- Optional extensions available
PolicyBazaar
(Multi-Provider Platform)
Aggregator listing multiple pet insurance providers for easy comparison and quote generation.
Providers Listed
Typical Benefits
- Surgery coverage
- Third-party liability
- Theft & loss protection
HDFC ERGO
(Paws n Claws)
Covers cats and dogs with customizable plans and multiple features. Eligibility: min 6 months, max entry age 5 years.
- Illnesses & injuries coverage
- Surgery & diagnostics
- Medications reimbursement
- OPD optional cover
- Trip cancellation benefit
- Third-party liability
- Funeral expenses
- Vet audio/video consults
- Multi-pet coverage
New India Assurance
(Dog Insurance)
Comprehensive cover for dogs including death from accident/disease, lost or stolen pets, and liability protection. Requires vet valuation and fitness certificate.
- Death from accident or disease
- Lost or stolen pet coverage
- Personal injury liability
- Property damage liability
- Optional extensions available
PolicyBazaar
(Multi-Provider Platform)
Aggregator listing multiple pet insurance providers for easy comparison and quote generation.
Providers Listed
Typical Benefits
- Surgery coverage
- Third-party liability
- Theft & loss protection
DOCUMENTS FOR BUY INSURANCE
Documents to be Submitted While Buying Insurance for Pets in India
Document We Need to submit
- Pet vaccination records
- A health certificate of the vet, where necessary.
- Documents to ownership like adoption or purchase.
- Identification of pets (microchip/ID tag).
- Pet photographs (front & side).
- Proprietor Identity Card evidences (Aadhaar, PAN, passport).
- Present evidence (utility bill, driving license, etc.).
- Filled-in insurance proposal form.
FREQUENTLY ASKING QUESTION
Get quick answers about pet insurance plans, coverage, and how claims work.
Given the rising prices of vet fees and other essential expenses, you don't want your precious pet to suffer. Having pet insurance will provide you financial security in case of your pet's illness, hospitalization, theft etc.