Just as we humans, an insurance policy is one of the best options when it comes to protecting the medical and other needs of our nearest and dearest, pet insurance does the same for your fur babies.
Pet insurance is an insurance policy that can be purchased by anyone who owns a pet and seeks to provide adequate protection against the various veterinary expenses that may be incurred to treat the pet in the event of any accident or illness. .
Currently pet insurance is a very new market in India as compared to other countries. But with the growing demand for pet ownership in India, there are few insurance providers that offer complete insurance coverage for animals like dogs, cats or other pets.
Here is an in-depth guide on the best pet insurance plan in India and also other important details about pet insurance policy that you need to know if you have a pet.
![Bajaj Allianz Pet Dog Insurance Policy]()
![Future Generali India Dog Health Insurance]()
![New India Guarantee Dog Insurance Policy]()
![Oriental Insurance dog insurance]()
![Digital pet insurance policy]()
Best pet insurance plans in India
Bajaj Allianz Pet Dog Insurance Policy
Why we chose
Key features:
- The lowest plan range starts from 315 INR.
- Domestic pets, breeds and exotic species are covered under the policy.
- Coverage for: 1. Surgical expenses. 2. Hospital coverage. 3. Death benefit coverage. 4. The last layer of disease. 5. Optional Coverage:- 6. Patient expenses. 7. Third Party Liability Coverage 8. Theft/Lost/Lost Cover
- 5% discount if the dog is radio frequency identification (RFID) tagged.
- Medical tests for pet dogs are not mandatory, even at an advanced age.
- A co-payment of 10% per claim applies under this section.
- Pet vaccination coverage is allowed.
- The policy period is up to six months.
Future Generali India Dog Health Insurance
Maximum annual coverage
It depends on the breed and size of the dog.
Maximum annual coverage
It depends on the breed and size of the dog.
Why we chose
Key features:
- Coverage for: 1. Death and funeral expenses. 2. Terminal illness cover 3. Cost of surgery and treatment. 4. Pre-hospital and post-hospital costs.
- Optional extras: 1. Third party liability. 2. Lost and stolen coverage. 3. Calling the doctor. 4. Emergency pet care coverage.
New India Guarantee Dog Insurance Policy
Why we chose
Key features:
- Native dogs, crossbred and exotic breeds are covered.
- At the time of purchasing the policy, the value will be done by a qualified veterinarian.
- The basic premium is 5% of the insured income.
- Dogs are insured for death due to accident or illness.
- Guaranteed to bear 20% of the claim amount as co-payment.
Oriental Insurance dog insurance
Why we chose
Key features:
- Insured dogs must be properly identified by one of the following methods: tattoo, nose print or color photograph.
- A color photo is required for children aged 6 to 8 months.
- Standard physical identification marks and race, sex, age etc. It should be clearly stated in the veterinary certificate and proposal form.
- It covers death due to any accident or illness.
- Partial and permanent disability of any nature, rabies, distemper and leptospirosis are not covered.
- For vaccine coverage, tick treatments.
Digital pet insurance policy
Why we chose
Key features:
- It covers annual routine healthcare costs such as vaccinations, deworming, tick treatment and minor ailments.
- Offers customized and flexible insurance policies for cats and dogs.
- It covers the expenses incurred due to accidental bodily injury and death.
- Additional health checkup for insured pet.
- Coverage is available for hospital expenses, surgery expenses, funeral expenses, and special treatments like chemotherapy, laser therapy, and more.
- Option to opt for teleconsultation with any Registered Veterinarian.
- Optional coverage for third party liability where your pet causes any damage to a third party person or property.
- There is no cover for pre-existing diseases.
What is pet insurance?
Considering how expensive it is to maintain the overall health and well-being of our pets in today’s world, pet insurance is a must as a pet owner if you are not going to face any financial emergency and continue to protect your pet in any way possible. Pet insurance is an insurance contract between an insurance company and a pet owner that provides the best coverage for veterinary expenses and keeps your cat or dog in good health. Generally, there are two types of pet insurance coverage in India: cat insurance and dog insurance. Both these policies can be customized as per your needs and requirements and ensure that your beloved pets stay healthy all the time without causing any financial problems.What are the benefits of buying pet insurance?
- It ensures financial security for pet parents especially when their pets are sick or need any urgent treatment.
- It helps you keep your pet’s health safe and healthy without having to worry about routine medical check-ups. Some plans offer free annual health screenings.
- It offers special benefits to the pet owner, especially if your pet is lost or stolen or causes damage to a third party or property.
- It will cover you for special and modern treatments that would otherwise be very expensive.
- Some plans also offer international coverage to help you when traveling abroad with your pet and cover any problems that may arise during your trip.
A prerequisite for a pet insurance policy
It is important that the insured cat or dog is certified by the Municipal Corporation or Local Government Authority or Kennel Club of India or required to be micro-chipped by the policy holder. In addition to filing the insurance proposal form, the insured must submit a photo of the dog as per the details:- Front photo.
- A photo clearly showing the birthmark.
- Photo from both the right and left side.
Documents must be provided when purchasing a pet insurance policy
- Fill the form and provide details related to your pet.
- To help identify your pet, the insurance company will require color photos as described in the section above.
- The policy owner must inform their pet that they have received all vaccinations on time.
- Sometimes the policyholder may need to provide test results such as a circulating blood count (CBC), urinalysis, or chest X-ray.
- If one opts for a pedigree with guaranteed pedigree, they must also submit a pedigree certificate from the Kennel Club of India (KCI).
Claim settlement process for pet insurance policy
Claims processing under pet insurance policy can be done in two ways: Cash claim settlement process- Notify network veterinary hospitals of any emergency within 72 hours or within one day of any scheduled procedures.
- You must share a copy of the e-cards with your veterinary hospital ID and obtain the pre-authorization form.
- Submit a properly completed and signed prior authorization form to the veterinary hospital.
- After all the formalities are completed, your insurance company will settle the bills directly with the hospital.
- You can avail the reimbursement facilities of your choice from the veterinary hospitals in India. The main difference is that the insured must pay all the bills before the hospital.
- After the payment is completed, the main bills and expenses can be submitted to the insurance company.
- This type of facility is not cashless so the insurance company will pay the expenses within 30 minutes if you submit the bill on time.
Frequently Asked Questions (FAQs)
Does a pet insurance policy cover their vaccinations?
Generally, pet insurance policies provide coverage for vaccination costs. However, it depends on your pet insurance policy as it varies from insurer to insurer.
Can I get the same pet insurance benefits if I adopt a stray dog?
Yes, you definitely can. However, the insured dog must be certified by the Municipal Corporation or local government authority or Kennel Club of India or micro-chipped by the policyholder.
What are the key factors that affect my pet insurance premium?
Factors such as your pet’s breed, age, size, and the type of plan and coverage you choose will determine your pet insurance premium.
Can I buy a pet insurance policy online?
Yes. Just like any other insurance policy, one can easily buy a pet insurance policy online or digitally. Such policies can be purchased within minutes as it is a minimal paperwork and hassle free process.
Am I covered if my pet is stolen or lost with my pet insurance policy?
Yes, generally an insurance company will pay a portion of the coverage if your pet is stolen or lost due to unforeseen circumstances. However, not all insurance companies offer it as a basic benefit. Therefore, you have to purchase optional additional covers to claim such benefits.
Am I covered if my pet is stolen or lost with my pet insurance policy?
Yes, generally the insurance company will pay a portion of the coverage in case your pet is stolen or lost due to unforeseen circumstances. However, not all insurance companies offer it as a basic benefit. Hence, you have to purchase optional additional covers to claim such benefits.