Best Pet Insurance Policies in India

05 January 2024

5 min read

There is a famous quotation, ‘ A pet is a man’s best friend’. This is absolutely true, isn’t it?

Pets love us unconditionally with all their heart and soul. All they want is our love and care. So, when it comes to their health and wellness, why not take some additional steps? The best option is getting pet insurance.

Pet insurance can help you cover the expenses incurred in case your furry friend falls sick or has an accident. From expensive tick treatments to costly vaccinations and regular grooming, maintaining a pet can be a pricey affair.

So, to ensure your pet’s well-being and the expenses that may follow when he is unhealthy, getting pet insurance is the best rescue. Let’s explore some of the best pet insurance you can get here in this blog.

Best Pet Insurance Policies 2024

Here are some of the best pet insurance for dogs you can get-

S.No.	Pet Insurance Policy
1.	New India Assurance Dog Insurance Policy
2.	Oriental Insurance Dog Insurance
3.	Bajaj Allianz Pet Dog Insurance Policy
4.	Future Generali India Dog Health Insurance

Features and Benefits of Pet Insurance

Pet insurance offers tremendous benefits. Let’s uncover some prominent ones here-

Financial Safety

Having pet insurance is the best safety net to cover your costly expenses that may occur when your pet falls ill or requires urgent medical treatment.

Protection From Unforeseen Mishaps

Your furry friend may meet an accident out of the blue. A pet health insurance policy can get you covered in such unexpected circumstances. It can save you from burning a hole in your pocket.

Exclusive Benefits

Several pet insurance companies offer exclusive benefits to the owners that help when your pet causes certain damages to third parties or their belongings. Even when the pet gets lost or stolen, such policies can be of great use.

Best Pet Insurance Policies - A Brief Overview

Here is an overview of some of the best pet insurance for dogs to get in India-

1) New India Assurance Dog Insurance Policy

Dogs are insured against death due to accidents or any illness
Entry Age permitted is between 8 weeks and 8 years
Maximum Annual Coverage offered Rs 50,000
Dogs of indigenous origin/cross-bred/exotic breeds are covered under this plan
The basic premium is equal to 5% of the sum insured
Insured to bear 20% of the claim amount as a co-payment

2) Oriental Insurance Dog Insurance

Entry Age permitted is between 8 weeks and 8 years
Maximum Annual Coverage up to Rs 50,000
It covers death due to any illness or accident
It offers coverage for vaccination tick treatments
It does not cover partial and permanent disability of any nature, rabies, canine distemper and leptospirosis

3) Bajaj Allianz Pet Dog Insurance Policy

Maximum Annual coverage Up to Rs 50,000
Entry Age permitted is between 3 months and 7 years
The minimum range of the plan begins from Rs 315
Medical tests for pet dogs are not compulsory, even at higher ages
A co-pay of 10% is applicable under on each and every claim
It offers coverage for pet vaccination
The policy period is up to six months
Dogs of indigenous origin/cross-bred/exotic breeds are covered under this plan
It provides cover for hospitalisation, mortality benefit, surgery expenses, terminal diseases, Third Party Liability, theft, loss, straying, and more

4) Future Generali India Dog Health Insurance

Maximum Annual Coverage depends upon the breed and size of the dog
Entry Age permitted is between 6 months and 10 years
It covers terminal illness, surgery and treatment costs, pre-hospitalization and post-hospitalization expenses, death and funeral expenses, etc.
It offers optional add-ons such as doctor on call, third-party liability, lost and stolen cover, etc.

Pet Insurance Inclusions and Exclusions

Before you get the best pup insurance, make sure to check the inclusions and exclusions first-

Inclusions	Exclusions
Hospitalisation Cover OPD Cover Lost/Stolen dogs Surgery Expenses Cover Death due to Diseases/Accident	Surgeries to mend deformities surgery related to grooming Surgeries done due to pregnancy Cosmetic/Elective surgery not related to injury Dental surgery not caused by injury/accident Surgeries that are not necessitated due to accident/illness

Conclusion

Just like you, your furry friend needs a health cover too. With pet insurance for dogs and cats, you can cover most of the medical expenses that may occur. This will help your pocket stay unharmed from unforeseen costs.

Hence, if you have a pet or plan to get one, don’t miss out on affordable pet insurance. Go through and compare pet insurance price, applicable conditions, inclusions and exclusions of the plan, and choose the one that suits you best.

You May Also Be Interested to Know
1.	Best Health Insurance Plans in India
2.	Everything You Need to Know about Health Insurance
3.	Difference Between Life Insurance and Health Insurance
4.	How to Renew Health Insurance Policy
5.	7 Things to Keep in Mind Before Finalizing a Health Plan

Disclaimer: This blog is solely for educational purposes. The securities/investments quoted here are not recommendatory.

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