What are the benefits of having pet insurance in India?

Insurance Pet Insuraance
1

I’ve been thinking about getting pet insurance for my dog, but I’m not sure if it’s really useful in the long run. Has anyone in India actually taken pet insurance and can share what benefits you experienced, like whether it helped with vet bills, emergencies, or regular care?

2

What are the benefits of having pet insurance in India?

  1. Pays big vet bills
    Surgery, fracture plating, cancer chemo or a 3-day ICU stay can cost ₹30 k–₹2 lakh. Insurance reimburses most of that, so you don’t choose between money and your pet’s life.

  2. No-fee accident cover from Day 1
    Hit-by-car, poisoning, bite wounds etc. are covered the moment you buy the policy zero waiting period.

  3. Illness cover after a short 30-day wait
    Fever, kidney issues, skin disease, stomach blocks new illnesses are paid once the first month passes.

  4. Mortality benefit
    If your pet dies from an accident or illness, the policy pays the full “sum insured” so you can recover the purchase price or breeding value.

  5. Theft / loss cover
    If your dog is stolen or strays and is not found after 45 days, you get the agreed amount to buy or adopt again.

  6. Third-party legal safety
    If your dog bites a neighbour or damages property, the insurer pays court-awarded damages up to ₹15–30 lakh, saving you from sudden legal costs.

  7. OPD and long-term care add-ons
    Small riders refund outpatient visits, daily medicines or physiotherapy useful for older pets with arthritis or skin allergies.

  8. Wellness refund (optional)
    A low-cost rider gives back ₹1-3 k each year for vaccines, de-worming and tick medicine usually breaks even after one vet visit.

  9. Cash-less option at network hospitals
    You show the e-card, the insurer pays the hospital directly; you only pay the non-payable share, so no big cash outlay during emergencies.

  10. Multiple pets, one login
    Most insurers let you insure every dog/cat in the house under the same login with a 5–10% discount on each extra pet.

Go Digit pet insurance
Go Digit pet insurance1901×858 98.8 KB

Where the Money Goes – Typical ₹50 k Policy

Expense Head What You Can Claim Usual Limit (₹)
Accident surgery Fracture plate, wound stitch Up to sum insured
Illness hospitalisation Fever, kidney, gastro Up to sum insured
Mortality Death by accident/illness Full sum insured
Third-party legal Bite or property damage ₹15 – 30 lakh
OPD / long-term care rider Daily meds, physio ₹5 k – 15 k / yr
Wellness rider Vaccines, tick collars ₹1 k – 3 k / yr