Pet Insurance (Animal Insurance)

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Pet Insurance (Animal Insurance)

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Pet insurance is a type of insurance that provides coverage for treatment and medical expenses for pets. Just like humans, pets can also experience health issues and accidents that may require expensive treatments. It provides pet owners with peace of mind, knowing that they can provide the best care for their pets without worrying about the cost.

What is Pet Insurance?

Pet insurance (Animal Insurance) is a specialized form of coverage designed to protect the health and well-being of various animals. Comparable to the health insurance we procure for ourselves and our family members, animal insurance has emerged as an effective option to ensure that our pets receive necessary medical attention and financial support when needed. From vaccinations and tick treatments to grooming, the costs can range anywhere from Rs. 10,000 to Rs. 54,000 annually which can be covered by buying pet insurance online.

Best Pet Insurance Companies For 2024

With the growing demand for comprehensive coverage for pets with affordable plans, it is essential to identify the best ones that provide the best services, flexible coverage options, and great customer support. We have compiled a list of the best pet insurance companies as per their claim settlement ratio (CSR) which will help you to buy affordable pet insurance.

Insurance Company Eligibility Claim Settlement Ratio (CSR)  
Bajaj Allianz General Insurance Company Limited 3 months to 10 years 98.61% Get A Quote
Reliance General Insurance Company Limited 3 months to 9 years 98.15% Get A Quote
HDFC ERGO General Insurance Company Limited 3 months to 9 years 97.27% Get A Quote
Oriental Insurance Company Limited 8 weeks to 8 years 97.17% Get A Quote
IFFCO Tokio General Insurance Company Limited 3 months to 9 years 96.92% Get A Quote
The New India Assurance Company Limited 8 weeks to 8 years 96.08% Get A Quote
Future Generali India Insurance Company Limited 8 weeks to 9 years 95.82% Get A Quote
Universal Sompo General Insurance Company Limited 8 weeks to 10 years 94.85% Get A Quote
United India Insurance Company Limited 2 months to 10 years 94.74% Get A Quote
National Insurance Company Limited 3 months to 8 years 93.40% Get A Quote
Give Your Pets Peace of Mind.

Benefits of Buying Pet Insurance In India

Top-rated pet insurance provides lots of benefits to meet the various needs of your beloved pets such as it covers surgery expenses,
mortality benefits, OPD coverage, etc.

Some common benefits:

Surgery Expenses

Surgery Expenses

It covers surgical expenses, offering financial support when your pet requires medical procedures or surgeries.

Hospitalization Cover

Hospitalization Cover

In the event of your pet requiring hospitalization, the insurance plan provides coverage for associated medical costs, ensuring your pet receives the necessary care without causing a significant financial strain.

Mortality Benefit

Mortality Benefit

Pet owners can avail themselves of a mortality benefit, offering financial assistance in the unfortunate event of the loss of a pet. This helps ease the burden during emotionally challenging times.

Terminal Diseases Cover

Terminal Diseases Cover

Pet insurance online extends coverage to terminal illnesses, providing support for medical treatments and care required during the challenging period of dealing with a life-limiting condition.

Long Term Care Cover

Long-Term Care Cover

For pets requiring extended medical care or treatments, pet insurance companies include coverage for long-term care, ensuring that your pet's health needs are met over an extended duration.

OPD Cover

OPD Cover (Outpatient Department)

Outpatient expenses, such as regular check-ups, vaccinations, and preventive care, are covered under the insurance policy, encouraging proactive healthcare for your pets.

Third Party Liability Cover

Third-Party Liability Cover

This feature protects pet owners by providing coverage for legal and financial obligations from third-party claims, such as property damage or injury caused by your pet.

Theft Lost Straying Cover

Theft/Lost/Straying Cover

In the unfortunate event of your pet being lost, stolen, or straying, the insurance plan offers coverage to assist in locating and recovering your pet, minimizing the emotional and financial impact of such situations.

What is Covered in Pet Insurance?

Pet insurance (Animal Insurance) coverage can vary depending on the insurer and the premium cost. However, most pet insurance companies in India policies offer a comprehensive range of coverage to address various aspects of your pet's well-being.

Some common coverages:

  • Surgery Expenses Cover

    Animal Insurance typically includes coverage for surgical expenses, ensuring that your pet receives necessary medical procedures without placing a significant financial burden on you.

  • Death due to Accidents/Diseases

    In the unfortunate event of your pet's death due to accidents or diseases, pet insurance online provides coverage to help offset associated costs, offering financial support during emotionally challenging times.

  • Hospitalization Cover

    Animal Insurance policies often include coverage for hospitalization expenses, the costs of veterinary care, medications, and other necessary treatments if your pet requires inpatient care.

  • OPD Cover (Outpatient Department)

    Outpatient coverage addresses expenses related to regular check-ups, vaccinations, and preventive care, encouraging proactive healthcare for your pets and covering costs incurred outside of hospitalization.

  • Lost or Stolen Dogs

    Affordable pet insurance may provide coverage in case your dog is lost or stolen. This coverage can assist in the efforts to locate and recover your pet, helping the emotional distress associated with such situations.

What is Not Covered in Pet Insurance?

While the best animal insurance provides valuable coverage for a range of medical expenses, pet owners must be aware of instances where insurers may not cover certain costs.

Some common scenarios that may not cover medical expenses:

  • Non-Necessary Surgeries

    Any surgeries that are not necessitated by illness or accident may not be covered. Procedures elective or non-essential may fall into this category.

  • Deformities or Congenital Defects

    SSurgeries intended to correct deformities or congenital defects in pets may be excluded from coverage. These are conditions that exist from birth.

  • Pregnancy or Whelping Surgeries

    Surgeries related to pregnancy or whelping (the process of giving birth to puppies) may not be covered under pet insurance in India. These procedures are often considered part of the natural reproductive cycle.

  • Grooming-Related Surgeries

    Surgeries performed for grooming purposes, such as cosmetic alterations, may be excluded from coverage. Animal insurance typically focuses on medical necessities rather than aesthetic procedures.

  • Cosmetic or Elective Surgeries (Unrelated to Injury)

    Any cosmetic or elective surgeries that are not directly related to an injury or accident may not be covered. This includes procedures performed for non-medical reasons.

  • Non-Accident or Injury-Related Dental Surgery

    Dental surgeries that are not a result of an accident or injury may be excluded from coverage. Routine dental care or elective dental procedures may fall into this category.

Want to Know in Detail What is Covered & Not Covered?

Types of Pets (Animal) Insurance

Private-sector insurers now provide comprehensive plans that extend beyond protection against the death of pets and cover a range of expenses such as worldwide transit, third-party liabilities, theft or loss of pets, entry fees for dog shows, and more.

Types of animal insurance plans:

Dog Insurance

Pet insurance plans for dogs are a type of insurance policy specifically designed to provide healthcare coverage for dogs. Just like human health insurance, dog insurance helps to offset the costs of veterinary care for unexpected illnesses or injuries. It typically covers a range of veterinary services including regular check-ups, vaccinations, surgeries, diagnostics, and medications. The average pet insurance for dogs costs Rs. 70,000 to Rs. 80,000.
Dog insurance can provide peace of mind to dog owners by ensuring that their pets receive the necessary medical treatments without causing a financial burden. By having dog insurance, pet owners can focus on their dog's well-being and health, knowing that they are protected from the high costs of veterinary care.

Cat Insurance

Pet insurance plans for cats are a type of coverage designed to provide financial protection for cat owners in the event of unexpected medical expenses and accidents involving their companions. Just like humans, cats can also suffer from health issues and accidents that require medical attention, which can be expensive.
Cat insurance plans typically cover veterinary visits, surgeries, medications, and treatments. Some policies may even offer coverage for preventive care such as vaccinations and annual check-ups. Having cat insurance can give cat owners peace of mind, knowing that they are financially prepared to provide the best possible care for their beloved pets without having to worry about the costs.

Why Do You Need Pet Insurance?

The increasing trend of spending substantial amounts, ranging from Rs. 70,000 to Rs. 80,000 annually on pets, becomes the primary reason for the need for financial protection.

Reasons why buying affordable pet insurance is necessary:

Ensures Best Health

Ensures Best Health

Animal Insurance guarantees that your pets receive the best possible treatment and medical care. With an insurance policy, you can provide your pets with timely and comprehensive healthcare without the burden of expenses.

Saves Extra Expenses

Affordable and Saves Extra Expenses

Top-rated pet insurance offers an affordable solution to cover a range of expenses, including medical care, accidents, and, in many cases, overseas protection.

Protect from Accidents

Protect from Accidents

Animal insurance serves as a financial protection, covering medical expenses from accidents. This feature ensures that pet owners can address their pets' injuries without worrying about financial strain.

Other Benefits

Other Benefits

Pet insurance often come with additional benefits, depending on the insurer. These may include coverage for third-party damages caused by your pet or protection in the unfortunate event of your pet being stolen.

Why Buy Pet Insurance From Okbima?

There are so many reasons to buy animal insurance plans from Okbima as we provide a wide range of options at comparative analysis with transparent information.

  • Wide Range of Options
  • Okbima is known for offering a diverse range of insurance products, including pet insurance. This allows pet owners to explore various plans from different insurers and choose coverage that aligns with their pet's needs.
  • Transparent Information
  • Okbima provides detailed information about the terms, conditions, and features of each animal insurance policy. This transparency is essential for pet owners to understand what is covered and to select a policy that suits their pet's health requirements.
  • Online Convenience
  • Buying affordable pet insurance through Okbima is a convenient online process. Pet owners can explore, compare, and buy policies from the comfort of their homes without the need for physical visits to insurance offices.
  • Claim Assistance
  • In the event of a pet insurance claim, Okbima may assist pet owners, helping them navigate the claims process and facilitating communication between the pet owner and the insurance company.

Factors to Consider Before Buying Animal Insurance

When deciding whether or not to invest in animal insurance, there are several factors that you should consider. These factors can help you determine if the plan is the right choice for you and your pet.

Factors to consider before buying pet insurance for dogs, and cats:


Coverage and costs

Before buying affordable plans from pet insurance companies in India, understand what types of coverage each policy offers. Some policies only cover accidents, while others also cover illness and routine care such as vaccinations and flea prevention.


Pre-existing conditions

Many pet insurance companies do not cover pre-existing conditions. If your pet has a pre-existing condition, consider whether it is worth buying insurance that won't cover those specific healthcare needs.


Breed-specific conditions

Certain dog breeds are prone to specific health issues. Look for the common health problems associated with your pet's breed to determine if insurance will be beneficial.


Age of your pet

Age can affect the cost of animal Insurance. Older pets may have higher premiums, and some policies may have age limits for enrolling in coverage. Consider your pet's age and the likelihood of needing medical treatment shortly.


Deductible and reimbursement options

Look into the deductible options offered by different policies. A higher deductible often results in a lower monthly premium, but you'll have to pay more out of pocket before receiving reimbursement.


Customer reviews and reputation of the insurance provider

Look for the reputation and customer reviews of the insurance provider you're considering. Look for feedback on their customer service, ease of claims processing, and overall satisfaction.

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Documents Required to Buy Pet Insurance

The documents required to buy affordable pet insurance in India may vary slightly depending on the insurance provider.

A general list of documents required:

  • Photographs of the Pet: Clear photographs of the pet, which may be required for identification purposes.
  • Ownership Proof: Proof of ownership, which could include purchase receipts, adoption papers, or any legal documents establishing ownership.
  • Pet's Age and Identification: Proof of the pet's age, which may include a birth certificate or adoption papers.
  • Breed Information: Details about the pet's breed, especially if it is a specific or exotic breed.
  • Vaccination Records: Up-to-date vaccination records for the pet, including details of vaccinations against common diseases.
  • Medical History: A summary of the pet's medical history, including any pre-existing conditions or past illnesses.
  • Veterinary Certificates: Certificates or reports from a licensed veterinarian, confirming the pet's health status.
  • Insurance Application Form: Completed application form provided by the insurance company, including personal details of the pet owner.
Confused How to Buy?

Eligibility to Buy Animal Insurance

The eligibility criteria to buy pet insurance typically vary among insurers, and pet owners need to be aware of the specific guidelines.

Age Eligibility

Animal insurance is available for pets between 2 months to 10 years. This will ensure that pets get coverage from a young age, addressing potential health concerns early on & offering protection.

Age Eligibility

Dog Insurance

For dogs, insurance coverage is typically extended to indigenous breeds, cross-breeds, and exotic breeds alike. This inclusivity allows a wide range of dog owners to benefit from the financial security offered by pet insurance.

Dog Insurance

Premium Variation

Pet insurance premium varies by age, breed, and size of the pet. Younger pets or those who may have low health risks may have lower premiums. Older pets with health issues may have higher premiums.

Premium Variation
Age Eligibility

Age Eligibility

Animal insurance is commonly available for pets aged between 2 months to 10 years. This age range ensures that pet owners can secure coverage for their pets from a young age, addressing potential health concerns early on and providing comprehensive protection throughout their years.

Dog Insurance mobile

Dog Insurance

For dogs, insurance coverage is typically extended to indigenous breeds, cross-breeds, and exotic breeds alike. This inclusivity allows a wide range of dog owners to benefit from the financial security offered by pet insurance.

Premium Variation

Premium Variation

The premium for affordable pet insurance plans can vary based on several factors, including the age, breed, and size of the pet. Younger pets or those belonging to breeds with lower health risks may have more affordable premiums. Older pets with certain health issues may incur higher premiums.

How to Renew Pet Insurance From Okbima?

Renewing pet insurance in India online from Okbima is an easy process and requires less documentation. To renew your animal insurance,

contact our Team of Expert to buy the best plan at an affordable price.

Documents Required to Renew Animal Insurance

When renewing animal insurance, the documentation required is often similar to what was needed during the initial application.

List of documents required:

  • Renewal Application Form: A completed renewal application form, which may include updated information about the pet and any changes in the owner's details.
  • Photographs of the Pet: Current photographs of the pet for identification purposes.
  • Proof of Ownership: Any relevant documents confirming ownership, such as adoption papers or purchase receipts.
  • Previous Policy Documents: Copies of the previous pet insurance policy documents, including the policy number and coverage details.
  • Pet's Updated Medical Records: Recent veterinary records and health certificates, confirm the pet's health status and any treatments received during the previous policy period.
  • Vaccination Records: Updated vaccination records, demonstrating that the pet's vaccinations are current.

How to Claim Pet Insurance?

To successfully claim animal insurance, pet owners should follow a step-by-step process mentioned by their insurance provider.

Steps for processing an animal insurance claim:

Step 1

Contact your insurance provider as soon as possible after the incident or illness occurs. Many insurers have a specific timeframe within which claims must be reported.

Step 2

Request a claim form from your insurance provider. This form will require details about the incident, the nature of the claim, and supporting documentation.

Step 3

Fill out the claim form accurately and thoroughly. Include all necessary information, such as the pet's details, the date and description of the incident or illness, and any expenses incurred.

Step 4

Collect all the required documents, such as veterinary records, medical reports, original invoices and receipts, prescription details, and any other relevant documentation specified by your insurance provider.

Step 5

Submit the completed claim form along with all documents to the insurance provider. This can usually be done online or by mailing the documents to the address specified by the insurer.

Step 6

The insurance company will evaluate your claim based on the provided information. This process may involve reviewing medical records, invoices, and other relevant documents.

Step 7

If the claim is approved, the insurance provider will either reimburse you for the covered expenses or directly pay the veterinary clinic, depending on their policies and procedures.

Want Experts Help?

Documents Required to Claim Pet Insurance In India

When claiming animal insurance, pet owners typically need to provide specific documentation to support their claim.

A general list of documents often required:

  • Claim Form: A completed and signed claim form was provided by the insurance company. This form will include details about the nature of the claim, the incident, and any associated expenses.

  • Veterinary Records: Updated veterinary records and medical reports related to the treatment or procedure for which the claim is being made. This may include diagnosis, treatment plans, and invoices.

  • Prescription Details: If the claim involves prescription medications, provide details of the prescriptions along with corresponding receipts.

  • Photographs or Videos: Depending on the nature of the claim, photographic or video evidence may be required. For example, in the case of an accident or injury, providing visual documentation can support the claim.

  • Police Report (if applicable): In cases of theft, injury due to a third party, or other incidents that may involve legal matters, a police report may be necessary.

  • Death Certificate (if applicable): In the unfortunate event of the pet's death, a veterinarian-issued death certificate may be required.

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Pet Insurance FAQs

Pet insurance provides financial security for unexpected veterinary expenses, ensuring your pet receives the necessary care without causing a strain on your finances.

You can easily purchase pet insurance online through our website or by contacting our customer service. Provide basic information about your dog, choose a plan, and complete the application process.

Yes, many pet insurance plans cover vaccinations as part of preventive care. Check your policy details to confirm coverage for routine vaccinations and wellness exams.

The cost of a pet insurance policy varies based on factors like your pet's breed, age, and your chosen coverage. Get a personalized quote on our website or through our customer service.

Typically, you'll need your pet's medical history, including vaccination records, and some basic information about your pet. Check our website or contact us for specific document requirements.