Pet Insurance in India - Everything You Need to Know

Welcoming a furry friend into your life can bring immense joy and companionship. However, it also comes with responsibilities, including their health and well-being. Pet insurance is a vital aspect of providing the best care for your beloved pets. In this comprehensive guide, we will walk you through everything you need to know about pet insurance, from its importance and coverage options to tips for choosing the right plan for your four-legged family members. Whether you're a new pet parent or considering pet insurance for an existing pet, this blog will equip you with the knowledge to make informed decisions and ensure the best possible care for your furry companions.

Pet Insurance in India

Pet Insurance: A Necessity for Pet Owners

In today's world, ensuring the overall health and well-being of our beloved pets can be quite costly. Pet insurance has become a vital safeguard for pet owners, offering peace of mind and financial security.

Pet insurance is a contractual agreement between an insurance company and a pet owner. It provides comprehensive coverage for veterinary expenses related to your pet's medical treatment, ensuring that your cat or dog receives the best possible care.

In India, there are typically two types of pet insurance available: Cat Insurance and Dog Insurance. These policies can be tailored to meet your specific needs, assuring that your cherished pets remain in optimal health without causing financial strain.

Benefits of Pet Insurance:

Below are few benefits of having a pet insurance:

  1. Financial Security: Provides peace of mind for pet owners, ensuring they can afford medical treatment when their pets fall ill or require immediate care.

  2. Health Maintenance: Helps maintain your pet's well-being with coverage for regular check-ups, and some plans even offer free annual health examinations.

  3. Special Coverage: Offers additional benefits, such as coverage for lost or stolen pets, liability for third-party damages, and modern, expensive treatments.

  4. Global Protection: Certain plans include global coverage, safeguarding your pet during international travel and unforeseen mishaps.

Prerequisites for a Pet Insurance Policy:

To be eligible for a pet insurance policy, your cat or dog should be registered with the Municipal Corporation, a local government authority, or the Certified Kennel Club of India. Microchipping is another acceptable method of identification.

Documents Required:

When purchasing a pet insurance policy, you will need to:

  1. Complete the insurance proposal form.

  2. Provide color photos of your pet, including specific shots of their face, birthmark, and both sides.

  3. Declare that your pet is up to date with vaccinations.

  4. Submit diagnostic test results, if required, such as CBC, urine tests, or X-rays.

  5. If opting for a Sum Insured based on pedigree lineage, provide a pedigree certificate from the Kennel Club of India (KCI).

Pet Insurance in India

Claim Settlement Procedure for Pet Insurance Policy

Pet insurance claims can be settled through two methods:

Cashless Claim Settlement Process:

  • Notify network veterinary hospitals at least 72 hours in advance for planned treatment or within one day in case of an emergency.

  • Share E-Cards and ID proof at the veterinary hospital to obtain pre-authorization.

  • Submit the pre-authorization form to the veterinary hospital.

  • The insurance company will directly settle the bills with the hospital upon completion of all formalities.

Reimbursement Claim Process:

  • You can seek reimbursement from your chosen veterinary hospital in India, paying the bills upfront.

  • Submit original bills and expenses to the insurance company.

  • While not cashless, reimbursement is typically processed within 30 days after timely bill submission.

Also read: What is Liability Insurance and what are it's types?

Best Pet Insurance Plans in India

Below is the compiled list of best pet Insurance plans in India:


Pet Insurance Plan


Bajaj Allianz Pet Dog Insurance Policy


Future Generali India Dog Health Insurance


The New India Assurance Dog Insurance Policy


The Oriental Insurance Dog Insurance


Digit Pet Insurance Policy

The Bottom Line

In the journey of being a responsible and caring pet owner, investing in pet insurance is not just a financial decision; it's a commitment to the well-being of your furry companions. The benefits of financial security, health maintenance, and global coverage make pet insurance a crucial aspect of ensuring your pets lead healthy and happy lives.

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