How to Choose the Best Pet Insurance Plans in India?

According to the latest reports, the pet care industry in India in 2024 was around ₹30,434 crore. Under this industry comes veterinary care that has advanced rapidly, leading to higher treatment costs.

Today, a single surgery can cost thousands or more in urban clinics. This is the reason why choosing the best pet insurance plan helps manage these expenses while ensuring timely care.

This blog will provide you with the knowledge of how you can get the right policy, whether it is for your dog or cat.

Key Coverages to Look for in the Best Pet Insurance Plan

A strong policy focuses on real medical needs and practical risks. You should look into these coverages that define the quality of the best pet insurance plan while choosing:

Medical and Surgical

This forms the core of any reliable policy. It covers expenses related to illnesses, injuries and necessary surgeries. From infections to orthopaedic procedures, medical and surgical coverage reduces high out-of-pocket costs. This feature or inclusion matters most when comparing top pet insurance options.

Hospitalisation

Hospital stays can lead to higher treatment bills. You should look into plans that cover boarding, nursing and treatment charges during hospitalisation. In metro cities, daily hospitalisation costs can cross more than a few thousand. So, get comprehensive coverage that protects against sudden emergencies.

Third-Party Liability

Pets can unintentionally cause injury or property damage to others. The Times of India reports that the NTR district reported around 52 dog bite incidents every day in 2025.

Third-party liability coverage handles legal and compensation costs arising from such incidents. This feature in a pet insurance policy holds particular value for dog owners in residential communities.

Theft and Loss

Pet theft cases have increased, especially for a few rare dog breeds. Insurance that covers theft or permanent loss for your pet should also be something to look into. This benefit often distinguishes a basic plan from the best pet insurance plan.

OPD and Vaccination

Some policies include OPD consultations, vaccinations and routine health checks as well. These inclusions support preventive care for your fur buddies, which reduces long-term illness risk. It also lowers future claim frequency as well as supports affordability over time. So, look into them as well to get the best pet insurance plan.

How to Compare Pet Insurance Plans Effectively?

Comparing policies requires attention to details. Smart evaluation leads you to the best pet insurance plan for your needs. Below are some factors you need to look into while comparing different plans:

Check Age Limits

Most insurers allow entry from three months of age. Upper age limits vary by breed and size. Large and giant breeds often move into senior categories earlier. Always confirm eligibility at purchase and renewal.

Verify Exclusions

Every policy excludes certain conditions. Common exclusions include pre-existing illnesses and congenital disorders. Read this section carefully, as clear knowledge avoids claim disputes later.

Review the Co-payment

Co-payment defines the portion you pay for a claim. Lower co-payment reduces your immediate expense but may raise premiums. So, try to balance affordability with long-term value when selecting coverage.

Look into Offers

Seasonal discounts or bundled benefits can reduce premiums. Some affordable pet insurance plans include wellness benefits at no extra cost. Always ask the insurer promptly about the available offers you can get, as they can help optimise value without compromising coverage.

Check Insurer Reputation and Reliability

Claim settlement experience matters in an insurer. Choose insurers with transparent processes, a higher claim settlement ratio and strong customer support.

Bajaj General Insurance focuses on clarity, quick assistance and dependable coverage, which strengthens trust over time. Get your pet insured today!

Steps to Purchase the Best Pet Insurance Plan

Below are the steps you can follow to buy the best pet insurance plan:

Step 1: Access the insurer’s website through your browser to begin your search for the best pet insurance plan.

Step 2: Fill in the required personal and pet-related information to receive accurate plan options.

Step 3: Review and compare top pet insurance plans designed for different needs.

Step 4: Choose coverage that matches your pet’s age, breed and health requirements, whether you need the best dog insurance or best cat insurance.

Step 5: Check for available discounts, promotional benefits or cost-saving offers to find affordable pet insurance plans.

Step 6: Enhance your policy by selecting optional add-ons that provide extra protection.

Step 7: Move ahead with the payment process using secure online payment methods.

Step 8: Get immediate confirmation of your policy once the transaction is completed successfully.

If you want reliable coverage backed by responsive support, explore Bajaj General Pet Insurance. Choose a plan that fits your pet’s life stage and health needs.

The Bottom Line

The best pet insurance plan balances medical protection, affordability and long-term value. You need to focus on core coverages, clear exclusions and insurer reliability to get the best insurance for your pet. With the right policy, you safeguard your pet’s health while maintaining financial control.

Frequently Asked Questions

Is pet insurance worth it in India?

Yes, as veterinary costs rise, a top pet insurance plan helps manage high expenses for surgeries, terminal illnesses and accidents. It ensures your pet receives advanced medical care without causing you a sudden financial strain.

What is the age limit for pet insurance?

The age limit for pet insurance depends on your pet’s age band. Coverage usually starts from 3 months of age. At renewal, if your pet moves into a higher age bracket, especially for large or giant breeds, the premium changes based on the applicable age band rates.

How is the premium for a pet insurance plan calculated?

Premiums for the best pet insurance plan are influenced by breed, age, location, coverage and more. Some breeds prone to genetic issues may have higher premiums. Older pets usually cost more to insure. Veterinary costs in your specific city and the total sum insured you select determine your premium.

Is there a waiting period before I can make a claim under pet insurance in India?

Generally, there is a waiting period of 20 days from the first commencement of the Bajaj General Pet Insurance policy. However, if your pet is older than 4 years, this period can go up to 3 months.

Can I get insurance for an adopted or a street dog?

Yes, absolutely, many modern insurers allow you to insure adopted street dogs. You may need a veterinary certificate of health and proof of timely vaccinations to get their insurance.

*Standard T&C apply

**Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

***Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.