Top Pet Insurance Policies in India

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Investing in a comprehensive pet insurance plan can offer financial security against unexpected healthcare costs for your beloved pet. Just as you prioritize your own health with insurance, it's equally important to consider the well-being of your furry companion. Pet healthcare expenses are on the rise, making pet insurance a valuable investment to mitigate financial burdens associated with your pet's health.

Pet Insurance - Features and Advantages

The reason you have a pet is that it makes for a great companion. Your pet loves you unconditionally so it is only right that you should give them the best healthcare should they need it. When it comes to your pet’s health, why not consider a pet insurance plan to tide over healthcare costs? Pet healthcare must be taken seriously by owners of pets and a good way to ensure that your pet’s health is dealt with should any unforeseen health issues and consequent costs arise, is to get insurance for your pet. Here are the main benefits and features of pet health insurance:

  • Financial Safeguard: The best pet insurance plan for your pet offers you security to cover the expenses of any healthcare expenses that your pet’s healthcare and treatment may incur. With inflation on the rise, the costs of pet healthcare are also rising day by day. Insurance gives you coverage to meet treatment expenses.
  • Security in the Event of Unexpected Mishaps: Pet health insurance provides you with a safety net when the costs of your pet’s treatment pile up. In case your pet has an unforeseen accident, and you have not accounted for costs, you may face some financial burden without pet insurance.
  • Exclusive Advantages: Pet insurance policies offer you exclusive advantages in clauses to do with your pet causing specific damage to third parties or their possessions. Furthermore, if your pet is stolen or lost, such policies give you coverage for the costs of loss.

The Best Pet Insurance Policies

Pet insurance policies typically cover costs to do with pet dogs. These are among the most common pets today, so insurance policies that deal with healthcare cost coverage for these pets are popular. Here are some of the top pet insurance policies for dogs:

Oriental Insurance Dog Insurance

One of the most famous policies on the market today, this plan gives you the following features:

  • The policy entry age ranges between 8 weeks and 8 years
  • The policy gives you coverage for death caused by an illness or an accident
  • The maximum yearly coverage you can get is up to ₹50,000
  • The policy provides coverage for tick treatment through vaccinations
  • The plan does not provide coverage for any partial or permanent disability of any kind, canine distemper, rabies, or leptospirosis.

New India Assurance Dog Insurance Policy

A household name in insurance, this plan gives you benefits to safeguard you with a co-payment:

  • Your pet dog is insured against death caused by an illness or accident
  • The entry age for the policy is between 8 weeks to 8 years
  • The maximum yearly coverage is up to ₹50,000
  • Under this policy, pet dogs of exotic breeds, indigenous breeds, and cross-breeds receive coverage
  • The basic premium paid is equal to 20% of the assured sum
  • The insured must pay 20% of the claim amount as a bearer of co-payment

Future Generali India

Among the plans for pet insurance for dogs, this plan is customised as per your dog breed and the size of your pet. Here are the key features:

  • The maximum yearly coverage offered depends on the dog breed and the size of the dog
  • The entry age for the plan ranges between 6 months and 10 years
  • The plan provides coverage for surgery, terminal illness, pre-hospitalisation, hospitalisation, and post-hospitalisation expenses, treatment costs, death, and your dog’s funeral expenses if applicable.
  • With this plan, you also get the benefit of specific add-ons like third-party liability, doctor-on-call, stolen or lost dog cover, etc.

Bajaj Allianz Pet Dog Insurance Policy

Among the best pet insurance plans, this is a plan that gives you benefits such as the following:

  • The maximum yearly coverage is up to ₹50,000
  • The entry age ranges between 3 months and 3 years
  • Medical tests to avail of this plan are not mandatory for dogs, even if your dog is older when you get the plan
  • The plan gives you coverage for vaccinations
  • The duration of the policy is 6 months
  • The policy offers you coverage for surgery costs, hospitalisation, terminal illnesses, mortality benefits, theft, loss, third-party liability, straying, and other advantages.

Final Thoughts on Pet Insurance Policies

In India, pet insurance is an affordable option to deal with the potential issues of health costs that you may have to incur for your pet. Illness is never planned, and your furry family member may suffer sudden issues to do with health, such as accidents or surprise illnesses. Rather than be caught off-guard where costs are concerned, be prepared with a beneficial health insurance plan for pets. Additionally, while you consider a plan, be sure to check the inclusions and exclusions in the terms and conditions of your plan. Some plans may include conditions like OPD coverage, and exclude any issues regarding dental health. 

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