What is Pet Insurance?
Types of Pet Insurance Policies
Protection against fractures, burns, and poisoning.
Covers emergency treatments, surgeries, and hospitalization.
Covers common illnesses like infections, skin disorders, and chronic diseases.
Includes emergency hospitalization, surgeries, and specialist consultations.
Covers routine check-ups, vaccinations, deworming, and flea/tick treatments.
Includes dental care and alternative therapies like physiotherapy.
Covers legal liability if your pet injures someone or damages property.
Includes legal costs and compensation claims.
Covers chronic illnesses like diabetes, arthritis, and heart disease.
Renewed annually without losing coverage for long-term conditions.
Covers medical treatments, theft, and mortality of exotic pets.
Includes emergency vet visits for unusual species.
What Does a Pet Insurance Policy Cover?
Includes surgical procedures, medication, and hospitalization costs.
Includes major surgeries, organ transplants, and post-operative care.
Includes dental cleanings, flea/tick control, and dietary consultations.
Includes legal fees for liability claims and property damage.
Reward money for recovering lost pets.
Includes cremation or burial costs.
Add-On Covers for Extra Protection
1. OPD & Alternative Treatment Cover
Covers homeopathy, acupuncture, physiotherapy, and rehabilitation treatments.
2. Dental Care Cover
Pays for dental treatments, extractions, and gum disease care.
3. Boarding & Kennel Fee Cover
Covers pet boarding expenses if the owner is hospitalized or traveling.
4. Travel Insurance for Pets
Covers vet visits, quarantine fees, and travel-related health issues.
5. Lost Pet Advertising Cover
Reimburses the cost of printing flyers and offering rewards for lost pets.
6. Breeding & Pregnancy Cover
Covers pregnancy-related medical care and complications.
How to File a Pet Insurance Claim?
1. In Case of Accident or Illness
1.Visit a registered veterinarian and obtain medical reports.
2.Submit the vet’s diagnosis, treatment details, and bills.
3.Insurer evaluates the claim and processes reimbursement.
2. In Case of Theft or Loss
1.File an FIR at the nearest police station and obtain a report.
2.Provide details like pet identification, microchip records, and photos.
3.The insurer verifies and compensates the loss.
3. In Case of Third-Party Liability
1.Report the incident to your insurer immediately.
2.Submit evidence of damages or injuries caused by your pet.
3.Insurer covers legal fees and compensation claims.
Yes, some comprehensive pet insurance plans cover hereditary or breed-specific conditions like hip dysplasia in large dog breeds or respiratory issues in certain cats. However, coverage depends on the policy—some may exclude pre-existing genetic conditions, so always check the fine print before purchasing.
Most pet insurance plans allow you to visit any licensed veterinarian, but some insurers have a network of partnered vet clinics offering cashless claims. If you prefer a specific vet, check whether your policy covers reimbursement for treatments received outside the insurer’s network.
Yes, some policies cover alternative treatments like physiotherapy, acupuncture, homeopathy, or hydrotherapy, especially if prescribed by a vet for rehabilitation after an injury or surgery. However, not all plans include this, so verify with your insurer.
Some premium pet insurance policies offer coverage for lost or stolen pets, including costs for advertising, reward offers, or even pet recovery services. If your pet has a microchip, some insurers may offer additional discounts or benefits.
Tip: If your policy includes third-party liability insurance, it may cover legal expenses in case your pet accidentally causes harm while missing.