Top 10 Questions About Pet Insurance in India — Answered

Still uncertain if pet insurance is a good investment? You're not alone. Many pet owners in India wonder about its functioning, coverage, and effectiveness during emergencies. This article addresses the top 10 questions pet parents in India are asking in 2025.

1. Is Pet Insurance Legal and Available in India? Yes, pet insurance is legitimate and regulated in India. Several general insurance companies and digital pet care providers now offer policies for dogs and cats.

2. Which Pets Are Covered? Most Indian policies currently cover:

Dogs (Indie, pedigree, large breeds)

Cats (domestic and Persian)

Exotic pets (very limited plans)

3. At What Age Should I Purchase Pet Insurance? It's advisable to acquire pet insurance when your pet is:

3 months to 7 years old for optimal eligibility

Younger pets benefit from lower premiums and fewer exclusions

4. What Does Pet Insurance Generally Cover? Accidents and injuries

Illnesses and infections

Hospital stays and surgeries

Diagnostic tests

Routine vaccinations and wellness add-ons

5. What Isn’t Included? Most policies do not cover:

Pre-existing conditions

Dental cleaning or cosmetic grooming

Illnesses due to negligence

Non-registered clinics or home treatments

Pregnancy-related expenses

Always review the details.

6. How Much Does It Cost Monthly? Pet Type Monthly Range Dog (Small/Indie) ₹400–₹800 Dog (Large/Pedigree) ₹700–₹1,200 Cat ₹300–₹600

Premiums might increase with age or if you add wellness riders.

7. How Do I Purchase Pet Insurance? You can obtain pet insurance through:

Traditional insurance companies

Pet-centered platforms offering healthcare, grooming, and insurance bundles

Online aggregators

Most allow for digital submission of medical history and photographs.

8. How Are Claims Handled? The reimbursement model is the most common:

Pay vet expenses upfront

Submit scanned bills, test reports, and claim form

Reimbursement within 1–3 weeks

Some providers are introducing cashless claim networks in major cities.

9. Can I Insure Multiple Pets? Yes, many insurers now provide multi-pet discounts. You can insure multiple dogs or cats under a single account and manage claims collectively.

10. Is It Really Worthwhile? Absolutely. A single emergency vet visit can cost upwards of ₹15,000–₹50,000. For less than ₹10/day, you safeguard yourself from unexpected expenses and offer the best care for your pet—without hesitation.

Conclusion Pet insurance in India is no longer a novel concept—it's smart pet parenting. With adaptable plans, digital claim processes, and support services like grooming and preventive care at home, getting started is more straightforward than ever.

Still contemplating? Don’t wait for a health crisis. Secure your pet’s future now—because peace of mind is invaluable.