Top 10 Questions About Pet Insurance in India—Answered for 2025

As pet ownership becomes increasingly popular in India, so does the discussion around pet insurance. However, many people still have questions. Here's a straightforward guide to help you understand the basics of pet insurance in India and how platforms like PetKaap's insurance options are changing the landscape.

1. What Is Pet Insurance, and How Does It Work? Pet insurance helps you pay for veterinary expenses, including surgeries, tests, and more. It’s similar to health insurance for your pet. Nowadays, online pet insurance platforms make it very convenient—simply apply, pay online, and your coverage begins.

2. What Pets Are Covered? You can insure:

• Dogs (all types including Indian breeds)

• Cats

• Birds, rabbits, turtles (under specialized pet insurance)

Whether you're looking for dog insurance in India or cat insurance plans, you can find a suitable option.

3. What’s Covered? Most plans include:

• Accidents and injuries

• Illnesses and diagnoses

• Surgeries

• Hospital stays

• Some also include loss or theft for exotic pets

4. Is It Expensive? Not necessarily. You can find affordable pet insurance for as little as ₹299/month. More comprehensive options with extra features can cost up to ₹1,200/month.

5. Are There Age or Breed Restrictions? Most policies cover pets between 2 months and 10 years old. Certain higher-risk breeds may not be eligible. Always review the terms and conditions.

6. Can I Use Any Vet? Yes! You can go to any qualified veterinarian in India. Just keep your bills for reimbursement.

7. How Do I Claim? It’s simple:

• Submit bills and prescriptions online

• Complete the claim form

• Receive payment in your bank within 7–10 days

Some plans even offer direct payment options.

8. Do Plans Cover Preventive Care? Some premium policies include:

• Annual vaccinations

• Checkups

• Dental procedures

• Deworming

These are often additional features or optional extras.

9. What About Chronic Illnesses? If your pet has conditions like diabetes, arthritis, or allergies, look for policies that cover ongoing health problems. These can be a significant financial help.

10. Is It Really Worth It? Yes. A single emergency visit can cost ₹20,000 or more. Insurance ensures you don't have to compromise on your pet's healthcare due to financial limitations.

Conclusion Veterinary costs are increasing. Pet ownership is changing. Pet insurance is now a practical and caring decision—not just a luxury.

Consider PetKaap's insurance options to find the right coverage for your animal companion. It's a way to protect them in return for their love and care.