I prefer doing most things online and was wondering about insurance for my pet, has anyone here in India actually purchased pet insurance online, and how was the process for you from application to approval?
Yes, you can buy pet insurance online in India in less than 10 minutes. Every major insurer now offers a paper-less, app-based journey, you only need to upload a few photos of your pet and pay with UPI or card.
Can I get pet insurance online in India?
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Choose the website or app that suits you
You can open the official sites of Bajaj Allianz, HDFC ERGO, ICICI Lombard, Go Digit, or download their mobile apps. If you prefer a single window, brokers like Policybazaar or Paytm Money also let you compare three-four insurers side-by-side. -
Fill the basic detail form
You will be asked for your name, address, e-mail, phone number, and then details about your pet: species (dog/cat), breed, gender, date of birth (or age in months), weight, and the city where the pet lives. Make sure the age and weight are correct because premium changes if the dog is very young or very large. -
Upload clear colour photographs of your pet
Most insurers want four to five pictures front view, side view, top view, full body, and one close-up of the face with that day’s newspaper date visible. This proves the animal exists, matches the breed you declared, and is alive on the date of proposal. -
Upload the vaccination card
Take a photo or scan of the card that shows all the yearly booster shots are up-to-date. If any vaccine is due, get it done first; otherwise the proposal can be put on hold. -
Choose the cover amount and add-ons
Cover usually starts at ₹15,000 and goes up to ₹1 lakh. Pick the amount you feel will cover a major surgery in your city. You can also tick small riders:
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Wellness refund (gives back ₹1,000-₹3,000 a year for vaccines, de-worming, tick collars)
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Third-party legal (pays court damages if your dog bites someone or damages property)
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Terminal illness lump-sum (pays a fixed amount if cancer or organ failure is diagnosed)
- See the final quote and pay
The page will show the yearly premium. Example: a 2-year indie dog in Mumbai for ₹50,000 cover costs roughly ₹2,400 a year (base ₹2,050 + wellness ₹350). You can pay by credit card, debit card, UPI, or net-banking. The moment you click “Pay,” the insurer gives you:
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A PDF policy document
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An e-card with a QR code that you can keep on your phone
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A claim helpline number
- Cover start dates you should note
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Accidents: Day 0 (no waiting period)
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Illnesses: Day 31 (30-day waiting period)
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Theft / loss: Day 91 (90-day waiting period)
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Congenital issues: Day 366-731 (12-24 months, unless you buy a special rider)
- What happens next year
The insurer will e-mail and SMS you 30 days before expiry. You click the renewal link, confirm that your pet’s age and weight are unchanged, pay online, and the policy continues without any fresh waiting period for accidents or illnesses.
Online Purchase Features
| Insurer Portal / App | Entry Age | Minimum Cover | Wellness Add-on Cost | Paper-less KYC | Renewal Waiting Period |
|---|---|---|---|---|---|
| Bajaj Allianz website | 3 m – 7 yr | ₹15,000 | ₹350/yr | Yes | 0 days (accident/illness) |
| HDFC ERGO Paws N Claws app | 3 m – 10 yr | ₹25,000 | ₹450/yr | Yes | 0 days (accident/illness) |
| ICICI Lombard site | 3 m – 10 yr | ₹25,000 | ₹500/yr | Yes | 0 days (accident/illness) |
| Go Digit Insurance | 3 m – 8 yr | ₹15,000 | ₹300/yr | Yes | 0 days (accident/illness) |