Best Dog Insurance Policies in India: Save Thousands Each Month

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Written By Dr. Tamal Dey
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As a dog owner in India, it’s important to consider the well-being of your doggo and that includes financial protection. With the rising cost of veterinary care, having a dog insurance policy in place can give you peace of mind and ensure that your pup receives the best possible care in case of an emergency.

Petsure, Royal Sundaram, Bajaj Allianz, HDFC Ergo, and Care Insurance are some of the leading pet insurance suppliers in India. They have a variety of policies such as accident-only plans, comprehensive plans, and preventive care plans that are accessible for both cats and dogs.

In this article, we’ll take a look at some of the top dog insurance policies in India, as well as tips for choosing the right policy and filing a claim.

Related: Best Cat Insurance Policies in India

Types of Dog Insurance Policies

There are several types of dog insurance policies available in India, each with its own level of coverage. Some of the most common types include:

  • Accident-only coverage: This type of policy only covers accidents, such as broken bones or injuries sustained in a car accident.
  • Time-limited coverage: This type of policy covers a specific condition for a set period of time, usually 12 months.
  • Maximum benefit coverage: This type of policy pays out a set amount for each condition, regardless of the actual cost of treatment.
  • Lifetime coverage: This type of policy covers a specific condition for the lifetime of the dog, subject to certain conditions and limits.

How to choose the right policy for your pet dog?

When selecting a dog insurance policy, it’s important to consider the specific needs of your dog. Some things to consider include:

  • Breed: Some dog breeds that are available in India are more prone to certain health conditions, so it’s important to choose a policy that covers these conditions.
  • Age: As dogs get older, they are more likely to develop certain health conditions, so it’s important to choose a policy that covers these conditions.
  • Pre-existing conditions: If your dog has any pre-existing conditions, it’s important to choose a policy that covers these conditions.
  • Cost: Be sure to compare the cost of different policies and choose one that fits within your budget.
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Future Generali Dog Health Cover Insurance

Future Generali Dog Health Cover Insurance is an economical and comprehensive health insurance plan designed to give pet parents the peace of mind they need. The policy covers pet dogs aged between six months and four years for giant breeds and seven years for all other breeds. It offers coverage for surgery and hospitalization, terminal illness, mortality, and more, helping to protect pet parents from any unexpected and expensive medical bills. Additionally, the policy gives dog parents the freedom to choose their veterinarian, budget their pet care costs, and avoid dipping into their savings.

Pawtect Dog Insurance

Pawtect Dog Insurance is one of the top dog insurance policies in India, offering a range of customized plans to suit the needs of pet owners. Pawtect offers three plans covering major illnesses, accidents, and even death. Pet owners can choose from fixed coverage of Rs 40,000, Rs 60,000, Rs 1 lakh, or Rs 1.5 lakh. Additionally, Pawtect also offers optional benefits such as pet care services and home medical bills reimbursement. With Pawtect’s comprehensive coverage and flexible benefits, pet owners can rest assured that their furry friends are well-protected.

The New India Assurance Company Limited Dog Insurance Scheme

The New India Assurance Company Limited offers a comprehensive dog insurance plan that provides extensive coverage with multiple benefits. It covers veterinary expenses incurred for the treatment of a pet, such as death due to disease or accident. This plan is applicable to all pet dogs, exotic or crossbred, including police dogs and those used as watchers.

The premium for this policy is fixed at 5% of the sum insured and the policy is valid up to 31st March 2022. With this policy, you get a range of features such as cashless hospitalization, emergency ambulance cover, and more. So if you’re looking for an affordable and comprehensive pet insurance plan, The New India Assurance Company Limited’s Dog Insurance Scheme is worth considering.

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Bajaj Allianz Dog Insurance

Bajaj Allianz General Insurance offers a comprehensive pet insurance policy for pet dogs from the age of 3 months, with a discount of 5% for RFID tagging. The cover size for surgery is capped at Rs 50,000 and for hospitalization at Rs 10,000, with third-party liability cover also available. The premium for Bajaj Allianz General’s pet dog insurance policy starts from Rs 315 per annum (small dog, 3 months to 2 years). This pet insurance policy provides coverage for a lifetime and offers peace of mind to pet owners.

Oriental Insurance Dog Insurance

Oriental Insurance offers dog insurance policies that cover horses, dogs, and elephants. The policies cover death by accident in transit by air, rail, road, and water, as well as different show risks. Dogs between eight weeks and eight years are eligible for coverage and the premium ranges from Rs 200 to Rs 1,500. In addition to this, the company offers coverage for every medical condition including ear infections, skin allergies, skin infections, gastritis (vomiting), enteritis/diarrhea, arthritis, and more. So if you’re looking for comprehensive coverage for your furry friend, Oriental Insurance is definitely worth considering.

TATA Capital Domestic Pet Insurance

TATA Capital Domestic Pet Insurance offers a comprehensive policy for pet owners to protect their beloved dogs. The policy covers death due to illness or accident, and also provides a Dog ID card that can be used to identify the pet. The policy also offers additional benefits such as coverage for medical expenses, vaccinations, and hospitalization. Customers can choose from a variety of plans to suit their needs, and the company has a claim settlement ratio of 98.06%. With its flexible terms and comprehensive coverage, TATA AIA Life Insurance Company Limited is an ideal choice for pet owners looking for reliable insurance coverage for their four-legged friends.

GIC Subsidiaries Dog Insurance

GIC Subsidiaries Dog Insurance offers a comprehensive coverage plan for pet dogs. The policy covers medical expenses, accidental death or disablement, third-party liabilities, and more. The policy also includes features such as accident and illness cover, veterinary fees cover, and third-party liability cover. Furthermore, the policy also covers the cost of cremation and burial in case of the death of the pet dog. With the GIC Subsidiaries Dog Insurance policy, you can be assured that your pet is in safe hands.


I hope you found this review of the best dog insurance policies in India helpful. Now it’s time to hear from you. What do you think is the best pet insurance policy in India? Share your thoughts below!

What are the best dog insurance policies in India?

Some of the best dog insurance policies in India include Bajaj Allianz Pet Insurance, HDFC Ergo Pet Insurance, Royal Sundaram Pet Insurance, and Future Generali Pet Insurance.

What does dog insurance cover?

Dog insurance typically covers medical expenses, accidental death, third-party liability, and emergency boarding. Some policies may also cover routine check-ups and vaccinations.

How much does dog insurance cost in India?

The cost of dog insurance in India varies depending on the type of policy, the age of the dog, and the coverage level. On average, you can expect to pay around Rs. 2,000-3,000 per year for a basic policy.

How do I choose the right dog insurance policy for my pet?

When choosing a dog insurance policy, consider the coverage level, the exclusions, and the cost. Also, read the policy carefully and make sure you understand what is covered and what is not.

Can I get a policy for a senior dog?

Yes, you can get a policy for a senior dog, but it may be more difficult to find a policy that covers older dogs. Additionally, the cost of the policy may be higher for a senior dog.

What is the process for making a claim?

The process for making a claim will vary depending on the insurance company. Typically, you will need to submit a claim form and provide any necessary documentation such as vet bills and proof of the incident.

How long does it take to process a claim?

The time it takes to process a claim will depend on the insurance company and the complexity of the claim. Typically, it can take anywhere from a few days to a few weeks to process a claim.

Author at Petfather | Website

I am a pet expert dealing with Cats, Dogs, Birds, Rabbits and Aquarium fish for the last 10 years. Now it is time to share my knowledge with you. I am very passionate about sharing everything that I learned so far about pet care. Watch my Youtube channel Petfather

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