- Health plans for your furry babies
- Pet lost/stolen cover
- Hospitalization and surgery benefits
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What is Pet Insurance?
Pets are a little, sometimes a big bundle of joy that fills your life with the most joyous moments. Yes, guessing it right! We are talking about your furry dog pet or the graceful cat pet.
How about getting your pets covered under a pet insurance policy that provides them with all sorts of healthcare management assistance, and covers their veterinarian visits, hospitalization, OPD charges, and so on? It will help you manage your finances right, as their healthcare has also become expensive these days. A one-time pet health check-up costs you no less than 10,000 (in INR), and a collective cost of your pet including vaccination, grooming, medication, tick treatments, diagnostics, and accidental injury care will cost you more than INR 60,000 annually!
The good part is, just like your general health insurance policy, your pets can be covered under a separate pet insurance policy these days. But there’s always more to these plans. Read further on this page and learn about the best pet insurance providers, eligibility, benefits, inclusions, exclusions, and so on of the same.
How many types of pet insurance plans are there in India?
Generally, there are two types of pet insurance plans; likely for a cat and a dog. Read below how cat pet insurance and dog pet insurance vary from each other:
- Dog insurance:
You can cover your dog under this type of pet insurance given the specified breed is your pet. Let the furry boy/girl be your life companion, without worrying about their medical and routine healthcare expenses. - Cat insurance:
Get your purring king/queen covered under this pet insurance, and keep them protected with holistic healthcare. At the end of the day, we all want our “moody” cats to meow with the same grace and love instead of being sick and mundane all the time.
Best pet insurance plans in India for cats and dogs
Here are some of the pet insurance providers in India that provide the best pet insurance plans which you can buy for your purring and barking friends:
- HDFC ERGO General Insurance Company Limited
- Bajaj Allianz General Insurance Company Limited
- Oriental Insurance Company Limited
- The New India Assurance Company Limited
- Future Generali India Insurance Company Limited
You must check their official websites to learn more about the pet insurance policy. Or give us a consultation call to know more about the same and compare pet insurance on PolicyX.com to choose the best for your best friend.
Eligibility of your pets to buy health insurance for them
- Age limit: 2 months to 10 years
- Initial waiting period: 30 days
- Sum insured: May range from 10,000 to 2 Lakhs
- Vaccination status: Must be vaccinated
- PEDs: The pet must be healthy and shouldn’t have any disease
Why do you need pet insurance for your furry babies?
Having your pets secured with affordable pet insurance will save you and them from many hassles. Apart from this, here is the answer to your ‘Why do I need insurance for my pet?’:
Ensured financial safety: You don’t need to worry about their healthcare expenses at a certain time of need. Play with them and let the insurance company have your back when it comes to visiting a vet or admitting them to the hospital.
Track your pet health: Make sure to check through the health status of your pets, as most popular pet insurance covers routine health check-ups.
Stand-out features: These benefits include OPD cover, third-party damage benefits, or coverage for stolen pets.
Inclusions and exclusions of pet insurance
| Inclusions of pet insurance | Exclusions of pet insurance |
|---|---|
| Major and minor illnesses proven by a vet specialist | Routine check-ups and regular vet visits |
| An accidental injury or bites, and treatments thereof | Preventive treatment procedures |
| Death due to an accident or disease listed in policy documents | Pre-existing diseases and their complications |
| Funeral expenses on an uncertain death | Herbal or homeopathic medications |
| Hospitalisation and surgery are covered depending on the policy specifications | Psychological or cosmetic treatments, grooming like nail clipping, castration, dental scaling, and so on |
| Lost or stolen cover for dogs and cats | Medical expenses and complications related to pregnancy |
Note: The eligibility criteria and inclusion-exclusions of the pet insurance plans may vary from one plan to the other. Check your pet insurance policy wording thoroughly.
PETTING THEM UP HERE!
It feels so horrible when your fluffy-purry partner is in pain, but you can’t understand their needs. Then why not protect their purrs and barks with pet health insurance that takes care of them in all conditions, from an injury to a routine check-up, to a vet visit and vaccinations?
Book your query consultation with us at 1800 4200 269 and learn more about how pet dog insurance or pet cat insurance can do wonders for them and you altogether.
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Pet insurance in India : Faq
1. What is a pet insurance?
Just like your personal or family floater health insurance policy that covers you medically and financially, pet health insurance saves your pet (dogs and cats) from a medical mishap and keeps track of their health.
2. Do pet insurance plans cover vaccination charges?
Yes, some pet insurance plans like Bajaj Allianz and HDFC ERGO cover vaccination charges for your pet (in case of vaccine failure).
3. Is buying pet insurance expensive in India?
There are expensive and affordable pet insurance options in the market, you must choose accordingly.
4. How can I claim my pet insurance?
You can visit the official website of your insurer, fill out all the necessary details, file documents, and wait for the claim settlement. For more details on pet insurance, contact us at 1800 4200 269.
5. Do I get to choose my pet’s veterinarian professional?
Yes, most of the time you have the option to choose a vet for your pet as per your preference. But it needs to be discussed with the insurer first.
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Written By: Simran Nirala
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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