How do I buy pet insurance for my pet in India?

Insurance Pet Insuraance
1

I’ve been considering getting insurance for my pet to manage medical expenses but I’m not sure how the process works, has anyone here in India actually bought pet insurance and can explain the steps you followed to purchase it?

2

Buying pet insurance in India is very easy. Here is the steps you can follow, plus the documents you need to keep ready.

Step-by-Step: How to Buy Pet Insurance Online

  1. Short-list 2-3 insurers
    Compare yearly cost, cover amount and add-ons on sites like Policybazaar, Paytm Money or the insurer’s own portal.

  2. Check your pet’s eligibility

  • Age: most plans accept 3 months, 7/10 years

  • Species: dog insurance is common; cat cover is available with ICICI Lombard, Digit, etc.

  • Breed: aggressive or banned breeds may be declined.

  1. Keep these documents ready (you only upload photos)

  • 5 colour photos of the pet (front, back, left, right, top) with today’s newspaper date visible

  • Vaccination card, every shot must be up-to-date

  • Pedigree certificate only if you want a higher sum insured for a pure-breed

  • Basic blood / urine / X-ray reports (only if the insurer asks for a senior-pet health check).

  1. Fill the proposal form
    Enter owner name, pet name, breed, age, weight, pin-code, sum insured you want, and any riders (wellness, third-party, etc.).

  2. See the quote & pay
    Premium changes with breed, age, city and cover chosen. Example:

  • 2-yr indie dog, ₹30 k cover ₹1,800–₹2,400 yearly.

  • Same cover for a Labrador in Mumbai ₹2,800–₹3,500.

Pay by card, UPI, or net-banking; policy PDF and e-card arrive instantly.

  1. What happens next?
  • Accident cover starts Day 1; illness cover starts after 30 days; theft cover after 90 days.

Go Digit Pet Insurance
Go Digit Pet Insurance1859×885 99.3 KB

  • Note the claim helpline number and save the e-card on your phone.

Comparison of Popular Pet Insurance Options

Portal / Insurer Entry Age Min. Cover Wellness Add-on? Paper-less KYC?
Bajaj Allianz 3 m – 7 yr ₹15 k ₹350/yr :check_mark:
HDFC ERGO 3 m – 10 yr ₹25 k ₹450/yr :check_mark:
ICICI Lombard 3 m – 10 yr ₹25 k ₹500/yr :check_mark:
Policybazaar 3 m – 10 yr ₹15 k Available :check_mark: