Written by:
Utkarsh Bagri
Pet Insurance Comparison Matrix in India (2026 Estimates)
| Insurance Provider | Eligible Age Range | Key Coverages |
|---|---|---|
| Bajaj Allianz Pet Dog Insurance | 3 Months – 10 Years | Surgery, accidents, and third-party liability |
| Digit Pet Insurance | 8 Weeks – 8 Years | Veterinary treatment, accidental injury, OPD add-ons |
| New India Assurance (Dog Insurance) | 2 Months – 8 Years | Death due to accident, illness, and treatment co-pay |
Types of Insurance
Accident-Only Insurance
Accident and Illness Insurance
Wellness Plans
Bajaj Allianz Pet Dog Insurance Policy
- The coverage includes various essential benefits such as mortality benefit, covering financial aspects in the unfortunate event of a pet's demise.
- The policy also encompasses surgery expenses, providing financial support for necessary surgical procedures.
- Third-party liability cover is included to protect pet owners from potential legal and medical expenses if their pets cause harm or damage to a third party.
- Additionally, the policy addresses concerns related to the safety of pets with theft, loss, and straying cover, offering financial assistance to pet owners in cases where their pets go missing or are subject to theft.
New India Assurance Company Limited
- The New India Assurance Company Limited extends its pet insurance coverage to dogs aged 8 weeks to 8 years.
- This policy encompasses protection against both accidental death and diseases, ensuring a comprehensive safeguard for pet owners.
- Furthermore, the coverage includes provisions for lost or stolen dogs, particularly in cases related to burglary or house break-ins.
- The insurance plan goes beyond the well-being of the pet itself, offering liability coverage for personal injuries and damage to property caused by the insured dog.
Oriental Insurance Company Limited
- The Oriental Insurance Company Limited presents a pet insurance plan tailored for dogs aged 8 weeks to 8 years.
- This comprehensive coverage includes protection for accidental death during transit, ensuring that pet owners are financially supported in the unfortunate event of such incidents.
- Additionally, the policy addresses concerns related to lost or stolen dogs, offering assistance in cases of unexpected circumstances.
- Furthermore, the insurance plan encompasses the loss of value resulting from accidents, providing a holistic approach to safeguarding the well-being and financial interests of pet owners.
Digit Pet Insurance Policy
- Digit Pet Insurance Policy offers a maximum annual coverage of INR 50,000 for dogs and cats within the entry age of 8 weeks to 8 years.
- The key features include coverage for routine healthcare expenses like vaccination, deworming, tick treatment, and minor illnesses.
- The policy is known for its customization and flexibility for both cats and dogs, covering costs related to accidental injuries, death, hospitalization, surgery, funeral expenses, and specialized therapies such as chemotherapy and laser treatment.
- Additionally, pet owners can avail a complimentary health check-up for their insured pets, and there is an option for teleconsultation with a registered vet.
- The policy also provides an optional coverage for third-party liability in case the insured pet causes harm to a third party or their property.
- It’s important to note that pre-existing diseases are not covered under this insurance policy.
General Exclusions Of Pet Insurance Plans
- Willful or malicious injury to your pet is excluded from coverage under pet insurance plans.
- Surgeries that are not related to illness or disease are not covered.
- Death resulting from specific diseases like Viral Hepatitis, Viral Enteritis, Leptospirosis, etc., unless critical or long-term additional cover is taken, is excluded.
- Surgeries related to grooming or pregnancy are not covered by the insurance plan.
- Injuries or illnesses arising from neglect or unskillful handling of the pet are excluded.
- Cosmetic surgeries for pets are not included in the coverage.
- Pre-existing illnesses, contracted before taking the policy, are not covered.
- Dental surgeries that are not necessary due to an accident or illness are excluded.
- Loss or injury due to war, foreign hostility, human unrest, terrorist activity, revolution, rebellion, military upheaval, etc., is not covered under the the insurance plan.
Frequently Asked Donations (FAQs)
1. What does pet insurance typically cover in India?
Pet insurance policies in India generally help cover unexpected veterinary expenses and liability-related costs. Coverage may include:
- Surgery and hospitalization expenses.
- Treatment for accidental injuries.
- Certain illnesses and medical conditions.
- Emergency veterinary care.
- Death due to accidents or covered illnesses (depending on the policy).
- Third-party liability if a pet causes injury to a person or damage to property.
Coverage varies significantly between insurers, so policy terms should always be reviewed carefully.
2. Which insurance companies offer pet health coverage in India?
Several insurers offer pet insurance products for dogs and, in some cases, cats, including:
- Bajaj Allianz General Insurance
- Digit Insurance
- The New India Assurance Company Limited
Features, eligibility requirements, breed restrictions, age limits, and coverage amounts differ among providers. Comparing policy inclusions and exclusions is recommended before purchasing a plan.
3. Are pre-existing veterinary conditions covered by pet insurance?
In most cases, no.
Common exclusions under pet insurance policies include:
- Pre-existing medical conditions.
- Congenital or hereditary disorders (depending on the insurer).
- Cosmetic or elective procedures.
- Preventive care not specifically covered under the policy.
- Illnesses occurring during the initial waiting period.
Many insurers also impose a waiting period (often around 30 days, though it varies by provider) before certain illness-related claims become eligible. Always review the policy wording to understand the exact exclusions and waiting periods that apply.
Please note: This information is for general purposes only and is not financial or legal advice.
The details presented are subject to change due to various factors, such as regulatory updates, economic conditions, and individual circumstances. Relying on this information is at the reader’s own risk, and it is advisable to consult with financial experts for accurate and up-to-date information tailored to individual circumstances.
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