Pet Insurance in India: How to Protect Your Furry Friend Financially

Pets are no longer just pets; they’re family now. A loving dog, a curious cat, or a pampered Persian (or any ‘breeds’ in between), Indian families have lots of love (and money) to spend on their furry little friends.

So, what do you do when your pet gets sick or needs surgery? Vet bills are getting crazy expensive in India now and can leave you out of pocket by thousands – and even lakhs! Which is where insurance for pets in India comes in.

Insurance for pets is a new but growing quickly in India, and in this blog, we will tell you everything you need to know.

What Is Pet Insurance?

Pet insurance is a policy that protects you from the cost of treating your pet medically. It’s very similar to health insurance for humans and provides protection against occasional unexpected doctor bills for your pet like:

Illness

Accidents

Surgical procedures

Hospitalizations

Even theft or loss (in some instances)

insurance for pets can relieve some financial stress while providing for your pet‘s best health care.

What Does Pet Insurance Cover?

While plans differ by insurer, most pet insurance in India typically covers:

Covered	Not Covered
Accidental injuries	Cosmetic surgeries
Illness & infections	Pre-existing conditions
Surgeries	Routine vaccinations (optional)
Death due to accident	Pregnancy & delivery
Third-party liability (in some plans)	Illegal breeds or fighting injuries

What Is the Cost of Pet Insurance in India?

In general, pet insurance is quite cheap. The policies start from approximately ₹300 to ₹600 per month, depending on factors such as:

The breed of the pet

The age of the pet

The sum insured

the location

coverage types (basic vs premium)

To give an example, if a Labrador is aged 2 years the coverage can be from ₹50,000–₹1 lakh and a yearly premium would be from ₹4,000 to ₹8,000.

Which Companies Offer Pet Insurance in India?

A number of Indian insurance companies now provide pet insurance, including:

Bajaj Allianz – Pet Dog Insurance

Future Generali – Dog Health Insurance

Digit Insurance – Pet Insurance (Beta)

New India Assurance – Livestock & Domestic Animal cover

Go Digit – Custom plans for dogs and cats

Note: Most of the plans are currently geared towards dogs; there is limited cat insurance at the moment (though it is increasing).

Eligibility & Documentation

To enrole your pet for insurance, you will need to provide the following documents:

Proof of vaccinations

Pet medical history

Proof of age (typically pets ages 3 months to 10 years are eligible for insurance)

Photos of your pet

Online services like Policyzar.com allow you to compare pet insurance plans easily and proceed to purchase in minutes.

Reasons Pet Insurance Is on the Rise in India

Rising Vet Costs: Basic procedures can cost 20,000+.

Pet Care Awareness: Urban pet owners are more pet care conscious now.

Emotional Connect: Pets are family, and no one wants to skimp on their treatment.

Peace of mind: Pet insurance is a financial safety net, similar to life or health insurance.

Pet Insurance Myths

Myth: Pet insurance is too costly

Fact: You can get a plan under ₹500/month.

 Myth: Only foreign countries offer it

Fact: Pet insurance is available in India with Indian insurance companies.

Myth: It takes too much effort to make a claim

Fact: Most policies have a cashless system or easy reimbursement offering with veterinarian bills.

Should You Buy Insurance for pets?

If you have a pet or are considering getting one (like a pug, Labrador, or Persian cat; breeds with notable health concerns), then insurance for pets is a smart decision.

Ask yourself:

Can I afford a surprise surgery bill for ₹30,000?

Do I want to make sure my pet has peace of mind for the future?

Do I treat my pet like family?

If your answer is yes, insurance for pets is not a luxury, it is a responsibility.

Final Thoughts

We are witnessing just the very beginning of the insurance for pets trend in India, and now is just the moment that you should join it.  As medical costs increase, and pets become more and more a part of the family, insurance, at the very least, makes sure that you never have to choose between money and care.

Explore Pet Insurance Plans on Policyzar.com

At Policyzar.com, we help you find the best insurance for pets from reputable providers — compare premiums, benefits, and buy in a few clicks online.

Protect your pet‘s health.

Get a free pet insurance quote today.

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