Here’s Everything You Must Know About Pet Insurance In India


The sound of their beloved pet companion passing gas in the middle of the night is the only thing that can get a pet parent moving quickly. The next step is a hasty trip to the veterinarian, followed by tests, assessments, and possibly a hefty cost to pay. Pet insurance can help you keep your finances under control in these situations.


Even though insurance for pets in India is still a relatively new idea, it is a reasonably common practice everywhere else. Elephants, buffaloes, and even cattle have been insured in India. But now, several well-known companies offer insurance to pet owners for Indie breeds, dogs, cats, and exotic birds.


An overview of everything you must know about pet insurance is provided here.


Why it’s necessary

Your pet needs the same level of care as any other family member, sometimes even more. You are assuring that they can live a good life by giving them insurance. Pet insurance can significantly reduce your veterinary expenses, whether for routine kinds of stuff like vaccinations, dewormings, accidents like breaking a leg jumping off the sofa, or long-term conditions like a renal disease. Depending on your policy, they may even pay for pre-and post-operative hospital stays.


This unexpected expense can be debilitating for most people, putting them in a challenging circumstance. The inability to care for your pet may cause financial, emotional, and mental strain. Why then not just insure them? Pet insurance India policies provide comprehensive coverage for your beloved pets.


Animals covered by pet insurance and their ages

Kittens and puppies can be insured from eight weeks old to about eight years old. All of this, however, is based on the breed, size, and overall health of your pet.


What types of pet insurance are available?

Some of the insurance for pets in India policies are as under: *

  • Accident-only insurance (covers unexpected accidents)
  • Limited by money (covers up to a particular amount)
  • Limited by time (covers only the period of an illness or injury)
  • Lifetime insurance (for the entire lifespan of your pet)


What is the cost of pet insurance?

Numerous variables affect pet insurance, like age, size (little or large), breed, and even where you live.


Does insurance cover shots?

While most offer yearly shots, it depends on the insurer. Make sure to read the terms and conditions completely. Most pet insurance for dogs policies usually do cover vaccination.


What are the pet insurance third-party damages?

While most pets are well-mannered, some of us have erratic animals who get hostile. If they harm a third party, the insurance company may compensate for it.


What exclusions exist in pet insurance policies?

Most frequently, policies exclude dental care, grooming services, specific illnesses like Leptospirosis, pre-existing diagnoses, and aesthetic processes. Some policies may not cover sterilisation so check with your insurance company.


What additional advantages come with pet insurance?

Companies that provide pet insurance often provide coverage for lost or stolen pets. Some businesses also offer emergency pet-minding coverage for a guardian or caretaker in case of a sudden emergency, in which case the pet parent is given money when hospitalised.


Are there any requirements to obtain pet insurance?

Typically, a health certificate from a veterinarian, evidence of immunisations, and identity are required, depending on the company. In order to screen for pre-existing diseases and disorders in senior dogs, diagnostic tests are occasionally required.



People who already have pets or are considering getting one should consider the inescapable financial burden of caring for a pet. Getting the right kind of pet health insurance would be beneficial.



* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply


Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.


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