How to insure a pet family member?

This thought has surely crossed your mind. What would we do without our pets !

Can we insure them? Surely no amount of money can replace a pet but it can go a long way in ensuring we are able to provide best in class healthcare.

Finally a few insurance companies in India offer a pet animal cover! A welcome change in recognising the brilliance they bring to our lives. To know more or buy a policy write to us on with “INSURANCE” in the subject line

Pet Insurance may cover

  • veterinary expenses incurred for the treatment of a pet who has endured an injury or is sick.
  • death or loss of an insured pet

The key intent is to eliminate the risk of high expenditure for the best medical treatment of the pet.

The cover spans over treatment expenses, public loss and can also be customized to include death due to accidental poisoning, accident in transit by air, rail or road, and risks associated with animal shows in India, besides burglary and breeding risks. If the animal is incapacitated and unable to work, which is considered equivalent to death, this eventuality can also be insured.

Plans can be Customised to Suit an Individual Need, So Ask! You can write to us on with “INSURANCE” in the subject line

Plans are approved by IRDA (Insurance Regulatory and Development Authority).

Many animals are covered like cattle insurance, dog insurance, horse insurance, cat insurance, etc.

Sum assured ranges from Rs. 15,000 to Rs. 30,000, depending on the breed and other related factors.

Add-On Cover – over the base policy, such as to compensate for the “loss of show entry fee” when the pet cannot make it to the show due to an injury or illness.

Third Party Liability – Useful in the event that your pet bites/ attacks a third party or causes damage to third party property.

Types of Cover

Lifetime cover – protects the pet against any critical/ long-term disease/illness such as eczema, arthritis, etc. The policyholder will receive a specified amount each year towards treatment of the pet

Time-limited cover – offers financial protection to a pet only for a specific period after a pet has contracted an illness or suffered an injury.

Money-limit cover – offers financial benefits to pet owners to meet the medical expenses of their pets. There is no time limit for this policy and it can be used until the money limit is reached.


In most cases the premium to be paid for the pet insurance policy in India is equal to 3% – 5% of the sum assured. So dont overpay without checking. You can write to us on with “INSURANCE” in the subject line

What will insurance company pay for

  1. Death due to accident
  2. Illness contracted while the policy is in effect
  3. Treatment expenses
  4. Accident while in transit (via rail, air or road)
  5. Loss/ theft of the pet
  6. Incapacitation
  7. Accidental poisoning
  8. Third Party liability

What will insurance company NOT pay for

  1. Willful or malicious injury to the pet. We pray this never happens!
  2. Injury or illness arising out of neglect or unskillful handling of the pet. No way you will allow this, we are sure
  3. Loss or injury due to war, foreign hostility, revolution, rebellion, military upheaval, etc.
  4. Death due to rabies, distemper, Viral Hepatitis, Viral Enteritis, Leptospirosis, etc.
  5. Illness that has been contracted prior to taking the policy.

Insurance Companies

New India Insurance United India Insurance Oriental Insurance
Premium: 5% of Sum Insured Premium: Rs 200-10,000

Dog Age Eligibility

8 weeks to 8years

Dog Age Eligibility

8 weeks to 8years

Cover for

Diseases/illness during the insurance period

Death due to Accident

Cover for

Permanent Total Disability

Death due to Accident

To know more or buy a policy write to us on with “INSURANCE” in the subject line