Hello everyone I’m exploring insurance options for my pet and want to make sure I can also get regular health checkups has anyone been able to add wellness plans with their pet insurance in India, or is it usually not included?
That’s a good question. Many Indian pet parents want a plan that pays for routine vet visits, not just accidents.
Can I get wellness plans with Indian pet insurance?
In India, a normal pet policy covers hospital bills after an accident or sudden illness. A wellness add-on (sometimes called “routine care” or “preventive cover”) repays you for expected, low-cost visits such as:
- Yearly vaccination shots
- De-worming tablets
- Tick-and-flea medicine
- Annual blood test or stool check
- Nail trim or dental clean under anaesthesia
How It Works
You buy the base accident/illness policy first and most insurers let you tag the wellness cover at the same time. When you pay the vet, you keep the bill and upload it on the app. The company sends the money into your bank usually within a week.
Key Points You Should Check
- It is an add-on, not a stand-alone plan.
- There is a fixed refund limit for each service (for example, ₹750 for vaccination, ₹500 for de-worming).
- Some insurers give you a menu: you pick any two or three services up to the total yearly limit.
- The premium for the wellness part is small roughly ₹500–₹1,500 extra per year so you often break even after one annual health check.
INSURANCE PLANS
| Insurer | Base Plan Start | Wellness Add-On Cost | Yearly Refund Limit |
|---|---|---|---|
| Bajaj Allianz | ₹1,990 | ₹599 | ₹2,000 |
| Tata AIG | ₹2,100 | ₹750 | ₹2,500 |
| Future Generali | ₹1,850 | ₹500 | ₹1,500 |
| Pawtecure (Digital) | ₹1,499 | ₹399 | ₹1,000 |