July 25, 2024


Appreciate your health

What Do I Need To Know Before Buying Dog Insurance?

Everything You Need To Know About Buying Pet Insurance - HerMoney

The first pet insurance in India was introduced in the year 2018. Until recently, insurers have provided coverage for pets under commercial plans, with the majority of payments going towards the pet’s loss of life or ability. A pet policy has long been needed.

Due to the potential high costs associated with routine medical exams and surgery, it could be a wise idea for pet owners to insure their animals to ensure they receive the best care and safeguard themselves from having to pay large sums for treatment. Recognising the importance of pet insurance, India is adapting to provide the best.* ##

Through the rest of the article, we explain what the policy and dog health insurance cover and how they could benefit both you and your pet.


Pet insurance for dogs covers pets with native ancestry, hybrids, and feral breeds. The minimum age to enter is three months, while the maximum age varies by breed. When purchasing a policy, your pet dog should be immunised. In order for claims to be paid out, all required immunisations must be given throughout the policy period.

There is a 30-day waiting period for the policy. However, the waiting period is up to 90 days if the dog is older than four years and has not undergone a medical examination before the policy is issued.*

There are seven optional covers, including the death benefit, long-term care, OPD, third-party liability, and theft or wandering, in addition to the two mandatory covers for hospitalisation and surgical costs.

The coverage features a necessary 10% co-pay for surgeries, which means the pet owner is responsible for that portion of the claim’s cost. *

The operation expense reimbursement will pay up to 50,000 annually and will also cover costs related to fractures. The maximum obligation for hospitalisation coverage is 10,000 per year. Moreover, 2,500 will be allowed every hospitalisation day, and a 24-hour stay is required.*

There is a 10% deductible for the optional OPD cover, which means you are responsible for paying 10% of the costs before the insurer starts to pay the rest.*

Only if you are legally required to pay for physical harm, property damage, or wrongful loss of life of a third party will your third-party liability insurance begin to pay out. If the pet is permanently stolen or strays, the insurer will pay the insured amount if no recovery has been accomplished after 45 days of reasonable efforts.*

Dental care is not covered unless it can be classified as an injury. Skin-related treatment-related claims will not be entertained. Spaying-related costs won’t be reimbursed either.*

Premiums And Claims

The item comes with two plans. Under certain circumstances, Plan A does not provide coverage for passing away resulting from kidney failure, cataract surgery, or terminal illnesses. Plan B is more expensive because it provides all these protections in every circumstance.*

The hospitalisation and surgical charges for a medium-sized breed like the Bulldog, which is 7–10 years old, are approx $1,264 under Plan A and approx $1,455–1,582 under Plan B. Although microchipping is not required, policies for chipped companion dogs will be eligible for savings of up to 5%.*

Documents including the claim form, immunisation records, vet medical records and invoices, death certificates for mortality benefits, FIRs in cases of third-party liability, and copies of advertisements in theft cases must be submitted at the time of making a claim.

The product doesn’t provide the option for cashless claims. After all the paperwork is received, and the consumer has addressed all the questions, claims will be reimbursed in roughly seven working days.*

This pet insurance for dogs might be helpful for pet owners who are worried about high medical costs.

*Standard T&C Apply

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

‘Insurance is the subject matter of solicitation.’ For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘