Which Indian Dog Breeds Benefit Most from Pet Insurance in 2026?

Watching our furry friend suffer is truly heartbreaking, especially because they are not just pets but cherished members of our family.

Every dog, regardless of breed, is vulnerable to certain health risks arising from their size, genetic makeup or lifestyle requirements. These medical concerns can significantly impact your savings over time. This is why many households in India prefer breeds that are budget-friendly and easy to care for.

As a pet parent, it's essential to protect your companions from suffering due to illnesses or health conditions. Read on to discover the dog breeds that benefit most from insurance, offering cashless veterinary care, surgeries and medications.

10 Most Expensive and Best Dog Breeds That Benefit from Insurance in India

Rottweiler

Rottweilers are famous for their courageous nature, intelligence and headstrong attitude. Among dog breeds that benefit most from insurance, Rottweiler owners must consider third-party insurance due to their strong protective instincts.

They adore their family, but can come off as aggressive towards strangers. In addition, Rottweilers are prone to hip dysplasia and heart problems, making health insurance coverage crucial for them to receive the best treatment.

Labrador Retriever

Labradors are energetic, intelligent and loyal dogs, ideal for active families. However, they often suffer from joint issues and obesity that need long-term medical care. 

Over time, severe joint pain and excess weight can lead to complications such as diabetes and ligament tears, which may demand surgery or ongoing physiotherapy. Dog health insurance by breed can reimburse therapies, OPD treatment, diet and other medication necessities.

Golden Retriever

With their thick, water-repellent coat, Golden Retrievers are built for India's climate. They are eager to please and easy to train, making them a popular choice.

Obesity, however, is a major health concern for this breed and can lead to several long-term complications. This is why Golden Retrievers are among the dog breeds that benefit most from insurance.

Dog health insurance by breed helps cover treatment expenses, laboratory tests, customised diet plans, regular health check-ups, and emergency care throughout their average lifespan of 10 to 12 years.

Pug

Pugs are best suited for city living. With their short, smooth coat, they are low-maintenance, and their friendly nature makes them great companions.

Eye ulcers and breathing problems can risk infections or heat stroke for this breed, which has higher medical expenses. Insurance for purebred dogs provides cashless respiratory and eye care for up to 12 to 15 years.

Beagle

Beagles are prone to retinal issues, glaucoma and epilepsy, requiring anti-convulsants and EEGs. Bajaj General Insurance handles overall medication and diagnostics for the 12-15 year lifespan of your Beagle.

German Shepherd

Known for their intelligence and confidence, German Shepherds are highly valued as family companions and working dogs.

Digestive issues and hip dysplasia are common in this breed, making insurance coverage especially important due to the potentially high medical costs. Dog health insurance by breed plans help cover diagnostic expenses, lab tests and surgical treatments.

Pomeranian

Pomeranians are tiny bundles of energy and affection, well-suited for living in apartments. Their dense, fluffy fur needs consistent grooming and their cheerful personality makes them loving companions. Usually, Pomeranians face common health risks, such as teeth problems and tracheal collapse.

Doberman

Dobermans are alert and smart dogs, often kept for protection. Their short coat is easy to maintain and their active nature makes them fun and engaging pets.

They are more susceptible to health issues like heart problems and cancer, making insurance essential for their care. You can claim or reimburse oncology and cardiac care for your Doberman from Bajaj General Insurance.

Dachshund

Dachshunds are curious and friendly dogs that get along well with children. This dog breed is prone to back issues and obesity that can lead to paralysis.

Paralysis is a potential risk and treating a paralysed dog can be expensive. However, having insurance coverage ensures proper medication and neurosurgery without financial burden.

Cocker Spaniel

The Cocker Spaniel is an affectionate breed with a silky coat and waving, floppy ears, making it a great pet for families. However, they are the best dog breeds for insurance since they are susceptible to cataracts, eye infections, and ear infections.

Bajaj General Pet Insurance provides treatment expenses for cataract surgery, regular check-ups and overall medication for ear infections.

Why Do Dog Breeds Need Dog Health Insurance?

Legal Compliance

Insurance is crucial to cover medical expenses and property-related damages. Pet owners of breeds like German Shepherds and Rottweilers often face extensive clinical bills or lawsuits due to the perceived power of these breeds.

Pet owners can opt for a rider on their insurance to enhance their liability insurance coverage. Adding a rider benefits as an umbrella policy provides additional coverage for legal expenses and higher medical bills.

Eliminate Expensive Medical Bills

Pet insurance eliminates expensive medical bills by covering treatment costs, surgeries and hospitalisation expenses. Dog health insurance by breed helps dogs receive the best treatment for injuries and specific diseases.

It provides financial support for a wide range of health issues, including fractures, dental problems, pregnancy complications, parasite-borne diseases, cataracts, heart conditions, cancer and other serious illnesses.

Rising Veterinary Expenses

Advanced medical treatment in India is also increasing veterinary expenses. Annual wellness visits, including physical examinations, vaccination boosters, deworming and general health advice, have become too costly.

For example, a basic consultation for your dog can cost around ₹500-₹1,000, and core vaccinations cost around ₹1,500-₹3,000. In this scenario, pet insurance is a safety net that offsets the out-of-pocket expenses of pet owners.

Breed-Specific Needs

Purebreds and large dogs are usually more expensive to maintain and treat. Bajaj General provides affordable insurance for purebred dogs, relying on statistical reports of attacks and bites that cause severe injury and lead to higher claims.

Dog health insurance by breed tailors policies with adequate coverage to manage owners' financial burden and the treatment of their dogs.

Final Thoughts

From regular health checkups to premium care and grooming, every dog breed requires a dedicated lifestyle and financial planning. Golden Retrievers, German Shepherds, Beagles, Rottweilers and Pomeranians are some dog breeds that benefit most from insurance.

Get pet insurance to ensure a lifelong commitment to your dog's health and save your wallet, too!

Bajaj General Insurance for purebred dogs provides long-term care coverage for illnesses like liver dysfunction, kidney dysfunction, diabetes, epilepsy, hip dysplasia, canine leptospirosis and eye-related problems.

FAQs

Which are the smartest dog breeds?

Golden Retrievers and German Shepherds are the smartest dog breeds. They can obey 95% of their owner's commands and learn in around 5 exposures.

How does dog insurance help?

Dog insurance offers financial support for unforeseen veterinary expenses, helping your pet get timely and quality medical care. With the right coverage, you can provide medical treatment, including cancer care, emergency services and prescription medication.

What are the grooming requirements for high-maintenance breeds?

High-maintenance breeds require regular grooming to stay healthy and look their best. This includes daily brushing, monthly professional grooming sessions, special shampoos and regular check-ups to prevent matting and tangling.

What is the age limit for dog insurance?

The age limit varies depending on breed and insurer. Generally, small to medium-sized dogs can be insured up to 10 years old, while giant breeds may have a lower age limit of around 6 years. Puppies as young as 3 months can also be insured.

What factors affect pet insurance costs?

Pet insurance premiums depend on policy term, breed, age and health conditions. Despite seeming like an added expense, pet insurance can be cost-effective compared to unexpected veterinary bills.

What are the exclusions of pet insurance?

Most policies exclude pre-existing medical conditions, cosmetic procedures, glaucoma-related claims, death due to lack of vaccination and certain surgeries or hospitalisations.

What is the most expensive dog treatment?

Treating Spinal Epidural Empyema (SEE) is one of the most expensive veterinary procedures. This rare but serious condition requires immediate attention.

What is a common canine disease?

Canine parvovirus is a highly contagious and potentially deadly disease affecting puppies and unvaccinated dogs. It causes severe gastrointestinal symptoms like vomiting, bloody diarrhoea and dehydration.

Is pet insurance only for accidents?

No, pet insurance covers a wide range of medical expenses, including routine illnesses, infections, surgeries and other related costs. It's especially essential for purebred dogs prone to genetic conditions like hip dysplasia, breathing issues or skin disorders.

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***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.