Veterinary surgery and hospital care can be expensive. Pet insurance covers treatment costs after an illness or accident, and some plans cover death, theft or loss, and third-party liability if your pet injures someone.
Who needs it
- Dog and cat owners
- Owners of pedigree breeds prone to specific health issues
- Owners who want cover for third-party liability
What's covered
Surgery and hospitalisation
Vet surgery and in-patient care after illness or accident.
Death
The sum insured if your pet dies from a covered illness or accident.
Theft or loss
Offered by some plans.
Third-party liability
If your pet injures a person or damages property.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Pre-existing conditions
- Routine vaccinations, grooming and preventive care
- Cosmetic procedures and breeding-related costs
- Pets outside the age limits set by the insurer
Popular add-ons
OPD care
Vet consultations and medicines, where available.
Documents checklist
To get a quote or buy
- Vet's health certificate
- Vaccination record
- Photos of your pet (and microchip or tag number, if any)
- Owner KYC
To make a claim
- Claim form and policy copy
- Vet treatment records and bills
- Post-mortem report (death claims)
- Police complaint (theft)
Frequently asked questions
What age can my pet be insured at?
Commonly from a few months old up to around 8 to 10 years, but limits vary by insurer and breed.
Are cats covered?
Most Indian pet policies are for dogs; a few insurers also cover cats. Tell us your pet and we will check.
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