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Thinking about getting a pet insurance for dogs in India? Here is all you need to know

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Krithisha

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5 min read

12 Jan, 2024

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Pet insurance provides a crucial safety net in the face of unexpected veterinary expenses, offering a sense of security during challenging times. The emotional toll of witnessing a beloved pet's illness or injury is already overwhelming, and the last thing you need is the added stress of financial concerns. Knowing that your insurance can help cover the costs allows you to focus on your pet's recovery and well-being without the distraction of mounting bills.


Pet insurance bridges the gap between the rising costs of veterinary care and your financial capability, ensuring that your pet can access the best available treatments without straining your budget.


Advancements in veterinary care bring cutting-edge treatments and technologies that greatly benefit our furry companions. However, these advancements often come with a hefty price tag. It serves as a financial buffer, allowing you to prioritise your pet's health and welfare without compromise.



What's Included in Pet Insurance?



Covering Veterinary Expenses:

Pet insurance is designed to encompass a broad spectrum of veterinary expenses. This includes coverage for accidents, illnesses, and routine check-ups. From essential surgeries and diagnostic tests to medications and consultations, a comprehensive insurance plan ensures that your pet's medical needs are met without causing a significant dent in your finances.


Accident and Injury Support:

Life's unpredictability extends to our pets, and accidents can happen when we least expect them. Pet insurance typically steps in to cover the costs associated with injuries resulting from accidents, such as broken bones, bites, or other unexpected incidents. This coverage provides peace of mind, knowing that you can promptly seek necessary medical attention for your pet without hesitation.


Managing Chronic Conditions:

Just like humans, pets may develop chronic conditions that require ongoing treatment and management. Pet insurance plays a crucial role in providing continuous care for conditions like diabetes or arthritis. By covering the expenses associated with long-term treatments, the insurance ensures that your pet receives the necessary attention and support for their overall well-being.




Pet Insurance for Dogs available in India



When assessing your pet's insurance needs, it's crucial to take into account factors such as breed, age, and overall health. Different breeds may be predisposed to specific health conditions or genetic issues, so tailoring the insurance plan to your pet's unique characteristics ensures that you're adequately covered for potential risks. Older pets may require more comprehensive coverage, considering the increased likelihood of age-related health issues. By understanding your pet's specific needs, you can choose a plan that provides the necessary support for their well-being.



Here is the list of pet-insurances available in India


1. The New India Assurance Co. Ltd.

  • Eligibility: 8 weeks to 8 years old
  • Breed: Indigenous breed, cross breed, exotic
  • Coverage: 25,000 for online policies
  • Indemnity/ Co-pay: Claim amount of 80% is applicable and insured will bear 20% of the amount.
  • Validity period: This is an annual insurance. Policy can be extended by payment of extra premium.



2. Oriental Insurance Company Limited

  • Eligibility: 8 weeks to 8 years old
  • Breed: Indigenous breed, cross breed, exotic which are pets.
  • Co-pay: 20% of the amount.



3. Bajaj Alliance Pet Dog Insurance Policy

  • Eligibility: 3 months to 4 years for Giant Breeds or 3 months to 7 years for Small/Medium/Large breeds.
  • Breed: Indigenous breed, cross breed, exotic which are pets.
  • Coverage: Maximum annual coverage of 50,000
  • Co-pay: 10%-30% based on the preferred option during opting for insurance.
  • Benefits: Lifetime cover (T&C), No waiting period for accidents, 5% discount on premium on RFID Tagging, Multiple pets discount.



4. Future Generali

  • Eligibility: 3 months to 5 years for Giant Breeds or 3 months to 6 years for Small/Medium/Large breeds.
  • Breed: Indigenous breed, cross breed, exotic which are pets.
  • Coverage: Maximum annual coverage of 5,00,000.
  • Co-pay: 10%-20% based on the preferred option during opting for insurance.




Inclusions & Exclusions


Before opting for any insurances, please read the terms and conditions for inclusions and exclusion properly. For more information on the above mentioned policies, please read through the brochures provided by the company.


General inclusions include

  • Hospitalisation Cover
  • Surgery Expenses Cover
  • OPD Cover
  • Lost/Stolen dogs
  • Death due to Diseases/Accident


General exclusions include

  • 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

Conclusion

Pet insurance is an investment in your pet's well-being and your peace of mind. By understanding your pet's needs, comparing plans, and using interactive tools, you can navigate the world of pet insurance confidently. Remember, a little preparation today can lead to a lifetime of joy for you and your cherished companion.

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