Protect What Matters
Most - Your Pet
Emergency surgery can cost ₹50,000–₹1,50,000 in India. A good insurance plan covers most of it. We've compared every Indian pet insurance plan so you don't have to.
Compare Plans Side by Side
All plans updated for 2024–25. Premiums vary by pet age, breed, and coverage chosen.
Pet Guard
Bajaj Allianz
What's covered
- Accident & injury hospitalisation
- Illness hospitalisation
- Surgery costs
- Post-surgery care
Exclusions
- Pre-existing conditions
- Preventive care (vaccines, deworming)
- Dental treatment
Dog & Cat Insurance
New India Assurance
What's covered
- Accidental death
- Permanent disability due to accident
- Surgical treatment
- Hospitalisation
Exclusions
- Pre-existing diseases
- Preventive healthcare
- Food supplements
Pet Insurance Plan
Tata AIG
What's covered
- Inpatient hospitalisation
- Day-care procedures
- Emergency care
- Specialist consultation (up to 3 per year)
Exclusions
- Routine check-ups
- Vaccinations
- Dental procedures
Pet Insurance
Digit Insurance
What's covered
- Illness and accident hospitalisation
- Surgery
- Emergency treatment
- Alternative therapies (limited)
Exclusions
- Pre-existing conditions (2-year look-back)
- Breeding, pregnancy
- Grooming
How to Choose the Right Plan
Quick guide from real pet parents and vets.
Insure young
Get your pet insured as a puppy or kitten. Premiums are lower and there are no pre-existing condition issues.
Know your exclusions
Every plan excludes preventive care (vaccines, deworming) and pre-existing conditions. Read the fine print.
Check claim speed
Tata AIG and Digit are fastest (5–7 days, app-based). Traditional insurers can take 10–15 days.
Coverage vs premium
Don't over-insure. A ₹50,000 coverage plan at ₹3,000/year covers most emergencies in India.
Cat owners: fewer options
Most Indian plans cover dogs and cats. Coverage amounts tend to be similar but check breed restrictions.
Go digital-first
Digit and Tata AIG offer 100% digital claim processes. Faster, paperless, and easier to track.
Frequently Asked Questions
Everything pet parents ask about pet insurance in India.
Do I really need pet insurance in India?
Vet costs in India have risen significantly. Emergency surgeries can cost ₹30,000–₹1,50,000. A good insurance plan covers most of this, protecting your savings and ensuring your pet gets the best care without financial stress.
What age can I insure my pet from?
Most insurers in India cover pets from 8 weeks (2 months) up to 8–10 years at the time of policy inception. Once insured, most allow renewals even as the pet ages. Get your pet insured early - premiums are lower and there are no pre-existing condition complications.
Are pre-existing conditions covered?
Generally, no. Pre-existing conditions are excluded by all Indian pet insurance providers. This is why insuring your pet young and healthy is strongly recommended.
Which is the best pet insurance plan in India?
For fastest claims: Tata AIG (app-based, 5–7 days). For highest coverage: Tata AIG (₹75,000 max). For budget option: New India Assurance (from ₹1,800/year). For digital-first experience: Digit Insurance.
Are vaccinations covered by pet insurance?
No. Vaccinations, deworming, and preventive care are not covered by any Indian pet insurance plan. Insurance covers accidents, illness, and emergencies - not routine preventive care.
How do I make a claim?
Keep your vet receipts, prescriptions, and diagnosis report. Submit these via your insurer's portal or app (some still need offline submission). Claims are typically settled in 5–15 working days depending on the insurer.
Got a question not answered here?
Email us and our team will help you choose the right plan for your pet.