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    Pet Insurance

    Pet Insurance

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    Paw-someness with plans starting ₹169*

    Comprehensive coverage with pet insurance for your furry friends

    Coverage Highlights

    Key Benefits
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    • Comprehensive Coverage

    Includes vet fees, surgery expenses, terminal disease cover, and long-term care

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    • Affordable Premiums

    Flexible and tailored plans for pets of all types

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    • Multiple pets covered

    Our plans cover multiple pets, providing all-round protection for your beloved cats and dogs

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    • Note

    *Annual Premium for small dog aged 1 year for surgery cover of ₹ 10,000 starts at ₹ 169

    Inclusions

    What's covered?
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    • Surgery & Fracture Expenses Covered

    Pays agreed amount in case of surgical expenses incurred for the insured pet during the policy period

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    • Hospitalisation Covered

    Pays agreed amount in case of in-patient treatment for an illness or an Injury to the insured pet, carried out in a veternary hospital

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    • Mortality Benefit Cover

    Pays agreed amount in case of death of insured pet due to illness, accident or as a result of the vet putting insured pet to sleep in order to alleviate its incurable and inhumane suffering due to an illness or accident

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    • Terminal Diseases Cover

    Pays agreed amount in case the pet is diagnosed as suffering from any of the terminal diseases

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    • Long Term Care Cover

    Pays agreed amount in case the pet is diagnosed as suffering from any of the illnesses and require long term care

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    • OPD Cover

    Pays agreed amount for treatment of your pet, carried out by a vet at his/her veterinary clinic, upto the amount of ₹ 30,000

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    • Third Party Liability Cover

    Pays agreed amount for defending the claims lodged against the Insured is absolved of the legal liability by a competent Court or Tribunal

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    • Theft/Lost/Straying Cover

    Pays agreed amount for permanent loss as a result of your pet being lost or stolen or strayed and no recovery having been made after 45 days despite appropriate attempts to trace the pet including advertising and reward

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    • Note

    Please read policy wording for detailed terms and conditions.

    Exclusions

    What's Not Covered
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    • Pre-existing medical conditions

    Non-veterinary treatments or care

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    • Cosmetic or elective procedures

    Routine check-ups or vaccinations outside the policy scope

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    • Glaucoma related claim

    Any claim related to Glaucoma shall not be payable

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    • Death due to lack of vaccination

    If the insured dog is put to sleep due to aggression unless this can be attributed to an illness and can be certified by a veterinary doctor

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    • Surgeries/Hospitalisations

    Any surgeries/hospitalisation which are not necessitated due to any accident/illness

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    • Note

    Please read policy wording for detailed terms and conditions

    Additional Services

    What else can you get?
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    • Vaccination

    Covers failure of vaccination

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    • Discounts

    Avail exciting discounts like RFID discount, Medical Report discount, etc

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    • Note

    Please read policy wording for detailed terms and conditions

    • Home
    • Pet Insurance

    What is Pet Insurance?

    Pet insurance is a protective shield against unexpected veterinary expenses resulting from injuries and illnesses in dogs and cats. Besides protecting your finances from unexpected costs, it creates a protection against risks for your pets. In exchange for an affordable premium, you will be reimbursed for the covered costs.

    When it comes to comprehensive coverage for dogs and cats, quick claim settlements, flexible policy tenures, and discounts on RFID tag installation, Bajaj General Insurance’s Pet Insurance Policy stands out as a reliable option. It offers enhanced protection and convenience, helping pet owners manage unexpected veterinary expenses with greater peace of mind.

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    Quick Overview

    • 1

      Flexible Plans: You can compare premiums, sum insured, waiting periods, deductibles, policy terms, and exclusions before choosing a pet insurance plan.

    • 2

      Emergency Financial Support: Bajaj General Pet insurance in India helps you access veterinary treatment and hospitalisation support for your pet when needed.

    • 3

      Easy Process: Bajaj General Insurance offers a simple process for buying, renewing, and making claims under pet insurance policies.

    • 4

      Commercial Pet Plan: Extended coverage options are available for commercially used pets to ensure enhanced healthcare protection.

    Read More

    What are the Types of Pet Insurance Plans?

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    Cat Insurance

    Cat insurance offered by Bajaj General Insurance is an affordable, customisable plan for all cat breeds. It has an entry age of 3 months to 7 years and an exit age of 12 years. It offers coverage for surgical expenses, in-patient hospitalisation, terminal diseases, and third-party liability.

    View Plans Know More

    Dog Insurance

    Dog insurance policy coverage includes vaccination charges, mortality benefits, OPD cover, theft or loss cover, hospitalisation and surgical cover. Our policy promises to support your pet’s health with quality care through puppyhood to old age without any pre-policy medical checkup.

    View Plans Know More

    Why Do You Need Pet Insurance?

    Coverage For Dogs & Cats

    • Coverage For Dogs & Cats

      Whether you are a dog or a cat parent looking for reliable insurance, choose Bajaj Pet Insurance. It supports you financially whenever an unexpected accident, illness, or injury strikes.

    • Protects Against Rapidly Growing Vet Costs

      Bajaj pet health cover reimburses for inpatient hospitalisation for emergency treatments or surgeries. The coverage amount depends on the sum insured you choose.

    • Care For Terminal Diseases

      If your furry companion suffers from terminal diseases, like cancer, chronic kidney failure, coagulation disorder, canine and feline distemper, Bajaj provides a lump sum for treatment.

    • Supports Everyday Adventures

      While enjoying daily adventurous activities, such as playing catch or digging mud, the policy covers sudden bumps physical injuries or minor fractures by reimbursing treatment costs at a vet clinic.

    • Compensates for Third Party Liability

      If a policyholder’s pet becomes liable to pay for bodily injury or property damage, Bajaj pet insurance indemnifies all legal expenses incurred, including defending advocate fees.

    • Supports Rescue and Search Operations

      If your pet is lost or stolen, policyholders receive reimbursement for rescue and search costs. In case of no recovery, insurers pay a lump sum based on sum-insured.

    • Extends Protection for Commercial Pets

      Policyholders can extend pet health care coverage with an additional premium if their pets are used for occupational, business, or professional purposes. However, the policy does not cover hazardous activities.

    • Offers a Lump Sum for Long-Term Care

      Upon diagnosis of diseases like epilepsy, diabetes, ascites, or pancreatitis during the policy period, Bajaj Pet Insurance offers a lump sum. So, policyholders can continue long-term treatment.

    What Covered & What not Covered in Pet Insurance?

    • Surgery & Fracture Expenses

      Covers the agreed sum if the insured pet undergoes surgery or incurs fracture-related treatment expenses during the policy period.

    • Hospitalisation

      Covers the agreed sum for in-patient treatment of the insured pet due to an illness or injury at a veterinary hospital.

    • Mortality Benefit

      Covers the agreed sum in the event of the insured pet's death due to illness, accident, or euthanasia performed by a veterinarian to relieve incurable and inhumane suffering caused by an illness or accident.

    • Terminal Diseases

      Covers the agreed sum if the insured pet is diagnosed with any of the specified terminal diseases.

    • Long-Term Care

      Covers the agreed sum if the insured pet is diagnosed with a covered illness requiring long-term care.

    • OPD Expenses

      Covers the agreed sum for veterinary treatment provided at a veterinary clinic, up to ₹30,000.

    • Third-Party Liability

      Covers the agreed sum towards defending claims made against the insured, provided the insured is absolved of legal liability by a competent Court or Tribunal.

    • Theft, Loss or Straying

      Covers the agreed sum for the permanent loss of the insured pet due to theft, loss, or straying, if the pet is not recovered within 45 days despite reasonable efforts, including advertising and offering a reward.

    • Pre-existing Medical Conditions

      Any medical condition that existed before the commencement of the policy is not covered.

    • Non-Veterinary Treatments or Care

      Treatments or care that are not provided or recommended by a qualified veterinarian are not covered.

    • Cosmetic or Elective Procedures

      Cosmetic treatments, elective procedures, routine health check-ups, or vaccinations that fall outside the policy scope are not covered.

    • Glaucoma-Related Claims

      Any claim arising from or related to glaucoma is not payable under the policy.

    • Death Due to Lack of Vaccination

      Claims arising if the insured dog is euthanised due to aggression are not covered unless the aggression is caused by an illness and certified by a qualified veterinary doctor.

    • Non-Essential Surgeries or Hospitalisations

      Surgeries or hospitalisations that are not required due to an accident or illness are not covered.

    Pet Insurance at a Glance

    Here are some of the most popular features of pet insurance, including medical coverage, accident protection, and financial support for pets.

    Sr. No. Features What it means

    1.

    Pre or Post-Surgery Expense Cover

    The policy cover runs from 7 days before the surgery to 15 days after. The amount depends on the sum insured.

    2.

    Eligibility Criteria

    Domesticated dogs and cats that are at least 90 days old and belong to indigenous origin, crossbreeds, and exotic breeds are covered.

    3.

    Mortality Benefit Cover

    If the pet dies from an accident, an injury or illness, or if the vet puts it to sleep, the insurer pays for the sum-insured mentioned in the cover for cremation or burial.

    4.

    Policy Exclusion

    Each policy coverage comes with an exclusion; for example, although Bajaj pet insurance covers surgeries, it does not cover cosmetic or dental surgery.

    5.

    Theft or Loss Cover

    When a pet is lost or stolen, insurers reimburse for search costs. Bajaj offers discounts on RFID tags that helps in identifying the pet. which make it easier to find a lost pet.

    6.

    Vaccination Failure Cover

    Although our policy does not cover vaccination expenses for your pets, it covers them if a pet falls sick due to vaccination failure.

    7.

    Renewal

    At the end of a policy term, policyholders must renew coverage within the 30-day grace period to avoid a policy lapse.

    8.

    Third Party Liability

    If your pet damages a third party's property or a person gets injured or harmed, then the third party liability covers legal expenses.

    What are the Benefits of a Pet Insurance Policy?

    1

    Pre and Post Hospitalisation Cover

    Whether it is intensive care, surgeries, diagnostic tests, ward charges, consultation fees, or medicines, Bajaj General Insurance covers it all. The policy includes 7 days of pre-hospitalisation and 15 days of post-hospitalisation expenses.

    2

    Surgery Expenses Cover

    If your pet requires surgery, such as an endoscopy after swallowing a toy, the policy reimburses eligible treatment expenses. This allows pet owners to focus on recovery while the insurer compensates covered costs.

    3

    OPD Cover

    For treatment of specified diseases in the policy, routine check-ups, consultations, and minor injuries that do not require hospitalisation, the OPD cover provides benefits. Bajaj General Insurance offers coverage up to ₹30,000 to help manage outpatient treatment expenses.

    4

    Theft/Lost/Straying Cover

    If your pet goes missing, the policy may cover up to ₹5,000 towards advertising and reward expenses. If the pet is not recovered after 45 days, a lump-sum mentioned in the policy wordings may be provided.

    5

    Long-Term Care Cover

    Bajaj pet insurance offers flexible long and short-term plans. For conditions such as epilepsy, glaucoma, or cystitis, the long-term care cover helps manage recurring treatment costs and ongoing medical care.

    6

    Terminal Diseases Cover

    If your pet is diagnosed with a covered terminal illness, such as cancer, kidney failure, or cardiac dysfunction, the policy provides financial support for treatment, ensuring quality care during critical situations.

    7

    Mortality Benefit

    In case of accidental death or sudden demise of your pet, the policy provides death benefits. Available under long-term policies, this benefit offers financial support during a difficult and emotional time. With this cover, you will be paid the mentioned sum-insured in the policy for cremation or burial.

    8

    Third-Party Liability Cover

    If your pet causes injury to a person or damages a third party’s property, the third-party liability cover provides financial protection by compensating eligible claims arising from the incident.

    9

    Additional Cover for Commercial Pet Use

    Pets used for occupational, business, or professional purposes can receive extended healthcare coverage for an additional premium. Coverage is subject to the Policy Certificate and applicable age criteria.

    Compare Bajaj General Pet Insurance Online

    The first step to choosing the right pet insurance plan for your furry friend is to compare different plans and assess what you need. The table below will help you to understand the comparison:

    Parameters Cat Insurance Dog insurance

    Long-term care cover

    Yes

    Yes

    OPD Cover

    Yes

    Yes

    Theft/ Loss/ Straying cover

    Yes

    Yes

    Third -Party Liability Cover

    Yes

    Yes

    Mortality benefit cover

    Yes - As per the policy conditions.

    Yes - As per the policy conditions.

    Surgery Expense Cover

    Yes

    Yes

    Terminal Disease Cover

    Yes

    Yes

    Pre and Post hospitalisation

    Yes

    Yes
    Buy Now Buy Now

    How to Choose the Right Pet Insurance Plan?

    1

    Identify Your Pet’s Age and Breed

    Pets of different breeds and ages have unique healthcare needs. Older pets and certain breeds may be more prone to an illness, making comprehensive pet insurance coverage a better option.

    2

    Understand Policy Exclusions

    The best pet insurance providers in India do not cover Glaucoma, congenital defects related conditions, cosmetic surgery, or dental care. It is best to read the policy exclusions carefully before purchasing to avoid surprises later with claims.

    3

    Review the Scope of Coverage

    Before purchasing, review coverage for hospitalisation, surgeries, terminal illnesses, OPD expenses, theft or loss, and third-party liability to ensure it matches your pet’s lifestyle and healthcare needs.

    4

    Compare the Sum Insured amount

    The sum insured determines the maximum claim amount available during the policy period. Select a coverage limit that can comfortably handle major veterinary treatments and emergencies.

    5

    Ensure Premium Affordability

    Choose a premium that fits your budget while offering adequate protection. A balance between affordability and comprehensive coverage is often the best option.

    6

    Check Waiting Period

    Different covers may have different waiting periods before benefits become available. Understanding these timelines helps you plan your pet's coverage effectively.

    7

    Review the Claim Process

    Look for insurers that offer a simple and transparent claim settlement process. Faster claim handling can be particularly valuable during medical emergencies.

    8

    Check the Copayment and Deductible Clause

    Check the deductible and co-payment requirements under the policy. Lower out-of-pocket expenses during claims can make veterinary treatments more affordable.

    9

    Consider Additional Benefits

    Features such as long-term care cover, mortality benefits, RFID tag discounts, straying, loss or theft cover, and third-party liability protection can add significant value to your pet insurance policy.

    Factors Affect Pet Insurance Premium?

    Several factors affect the premiums of pet care insurance, which are discussed below:

    Pet’s Age

    Age is one of the most significant incomes to pet insurance premiums. Younger pets usually attract lower premiums since they are less likely to develop a health condition.

    Sum Insured Amount

    The sum insured is directly linked to the coverage you receive. For example, choosing a sum insured of ₹1 Lakh will offer greater coverage compared to a sum insured of ₹30,000.

    Pet’s Breed

    There are certain dog and cat breeds that are more susceptible to breed-specific health issues. Pets of particular breed and a higher age that have higher medical risks often attract higher premiums.

    Coverage and Add-on Benefits

    Policies that include extensive benefits such as hospitalisation, surgery expenses, long-term care, theft or loss cover, mortality benefits, and third-party liability have higher premiums.

    Policy Term

    Policy duration significantly impacts pet insurance policy premiums. Whereas short-term plans may seem cheaper at first, in the long run, they are more expensive compared to long-term plans.

    Copayment and Deductible

    When you choose a higher deductible or co-payment, you bear costs, which reduces claim expenses, reducing premiums. In contrast, lower deductibles and co-payments result in higher premiums.

    How to Reduce Your Pet Insurance Premiums?

    1

    Choose Relevant Sum Insured

    Depending on your sum insured amount, the policy coverage varies. Whereas a higher sum insured will provide wider coverage, a lower sum insured will attract lower premiums.

    2

    Opt For Long-Term Policies

    When it comes to pet health insurance, it is best to choose a long-term plan, as short-term plans offer limited coverage. Moreover, long-term plans attract lower premiums.

    3

    Maintain Your Pet’s Health

    Keeping your pet healthy through regular vaccinations and routine health checkups is another great way to reduce your premium. This is because a healthier pet may require fewer claims.

    4

    Choose a Higher Deductible

    Choosing a higher deductible may affect your premium. Since you bear higher out-of-pocket costs during a claim, the insurance premium becomes cheaper.

    5

    Compare Different Plans

    It is ideal to compare different insurers based on their claim settlement ratios, reputation, premiums, and coverage before finalising a pet plan. This way, you make an informed decision.

    What are the Eligibility Criteria for Buying Pet Insurance?

    Domesticated pets of at least 90 days of age are eligible for pet insurance. The other key eligibility criteria to know are:

    Eligibility Criteria Specifications

    Breeds

    Indigenous origin, cross-breed and exotic breeds

    Age Group (Dogs)

    Small, medium, large, and breeds with an entry age of 3 months to 7 years and an exit age of 10 years. For Giant breeds it is from 3 months to 4 years.

    Age Group (Cats)

    All types of breeds with an entry age (3 months to 7 years) and exit age (12 years) are similar to dogs.

    To make sure

    How to Buy Claim & Renew Pet Insurance

    How to Buy

    • 1

      Visit Bajaj General website

    • 2

      Enter personal details

    • 3

      Compare Pet insurance plans

    • 4

      Select suitable coverage

    • 5

      Check discounts & offers

    • 6

      Add optional benefits

    • 7

      Proceed to secure payment

    • 8

      Receive instant policy confirmation

    Buy Now

    How to Renew

    • 1

      Login to the renewal portal

    • 2

      Enter your current policy details

    • 3

      Review and update coverage if required

    • 4

      Check for renewal offers

    • 5

      Add or remove riders

    • 6

      Confirm details and proceed

    • 7

      Complete renewal payment online

    • 8

      Receive instant confirmation for your policy renewal

    Renew Now

    How to Claim

    • 1

      Notify Bajaj General about the claim

    • 2

      Submit all the required documents

    • 3

      Choose cashless or reimbursement mode for your claim

    • 4

      Avail treatment and share required bills

    • 5

      Receive claim settlement after approval

    Claim Now

    Contact Details

    • 1

      For any further queries, please reach out to us

    • 2

      Toll Free : For Sales :1800-209-0144

    • 3

      Email ID: careforyou@bajajgeneral.com

    Contact Us

    Download Policy Document

    Once you have purchased the pet insurance policy, follow the steps below to download the policy for future use. It is best to have a soft copy of your policy document on your mobile.

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    Brochure
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    Policy Wordings

    Proposal Form

    Claims
    Download

    How to Make a Claim for Your Bajaj General Pet Insurance?

    Filing a claim with Bajaj General Insurance under a pet insurance policy is simple. Depending on the treatment facility and policy terms, you can opt for either a cashless claim or a reimbursement claim.

    Reimbursement Claim

    Pay the veterinary treatment expenses and collect all original bills and reports.
    Submit the claim form along with the required supporting documents.
    The insurer verifies the submitted documents and assesses the claim.
    If any documents are missing, you may be asked to provide them within the specified timeline.
    After successful verification and approval, the eligible claim amount is reimbursed as per policy terms.
     

    What are the Documents Required for a Pet Insurance Claim?

    You will need the following documents to make a pet insurance claim:
    1
    Pay the veterinary treatment expenses and collect all original bills and reports.
    2
    Vaccination Certificates for your pet.
    3
    Death Certificate along with colored photographs of the deceased pet
    4
    Vet Medical Papers and Bill
    5
    Copy of General Diary Entry lodged by Police
    6
    FIR (in case of claim under Third Party Liability Cover).
    7
    Copy of advertisement (in case of claim under Theft/Lost/Straying Cover).
    8
    Hospital bill
    9
    Court Orders (in case of claim under Third Party Liability Cover).
    10
    Diagnostics Report
    11
    Any other documents, if required by the Company to process the claim.
     

    What is the Pet Insurance Terms You Need to Know About?

    • 1

      Policy Period: The policy period depends on the type of cover you choose. Whereas the short-term policy remains valid for a year, a long-term policy remains active for up to three years.

    • 2

      Sum Insured: Usually, the sum insured for pet insurance coverage ranges from ₹10,000 up to ₹3 Lakh. Depending on the amount you choose, you will receive the reimbursement from the insurer.

    • 3

      Scope of Cover: For the insured pets, scope defines the coverage and amount you would be indemnified for the expenses due to illness, mortality, veterinary care, and others mentioned in the policy wordings are true.

    • 4

      Co-Payment: It refers to a cost-sharing arrangement in which the policyholder pays up to a specified percentage (e.g., 10%, 20%, 30%) of the total bill, and the insurer covers the remaining amount.

    • 5

      Deductible: Depending on the insurer, a compulsory deductible may apply. For example, if the deductible is 10% of the claim amount of ₹10,000, the policyholder must pay ₹1,000.

    • 6

      Premium: Policyholders pay a premium in exchange for coverage and to keep the pet insurance policy active. Policyholders can choose either a monthly or an annual premium.

    • 7

      Mortality Benefit: If the insured pet passes away due to an accident, illness, or injury, the insurer will pay the sum insured as stated in the Certificate of Insurance.

    • 8

      Exclusions: Exclusions are specific conditions, illnesses, or treatments that the policy will not cover. These generally include pre-existing conditions, routine vaccinations, grooming services, and certain congenital procedures, meaning claims for such instances will not be paid.

    Read More

    Frequently Asked Questions on Pet Insurance

    What is pet insurance?

    Pet insurance is a financial protection that helps the owners of the pet owners cover veterinary expenses, surgeries, hospitalisation, and even theft or loss of pets. You can avail the Bajaj General Pet insurance for your dogs and cats, ensuring your furry friends are covered for any medical emergencies.

    Why is pet insurance important?

    Pet insurance is important because it protects both your pet’s health and your finances, ensuring you can afford the best possible care without being burdened by sudden, high veterinary costs. Nowadays, it is all the more convenient as you can get pet insurance online, leaving nothing to chance for your pets.

    What are the minimum and maximum age requirements for pet insurance?

    You can get the Bajaj General pet insurance policy for your dogs and cats at an affordable premium. From 3 months to 7 years in the case of small, medium, and large breeds of dogs and cats, whereas 3 months to 4 years in the case of giant breeds of dogs.

    Can I get pet insurance for an adopted street dog?

    Yes, it should be staying with you as a pet. Taking complete care of your adopted pet is easily possible with Bajaj General Pet Insurance. With a nominal pet insurance premium, you can be prepared for your adopted pet's medical emergencies.

    Read More: Dog Accident Insurance.

    What documents do I need to buy a pet insurance policy?

    To get your Bajaj General Pet Insurance, all you need is a duly filled Proposal Form, Colour Photos from all sides, a self-declaration on vaccinations conducted on time, & declaration for insurable interest. You can choose the coverage and add-ons that affect your pet insurance price.

    Can I visit any veterinarian or specialist under my pet insurance plan?

    Yes, your pet insurance covers hospitalisation expenses along with other benefits required for uncompromised medical care of your beloved pet. Buy pet insurance from Bajaj General where you have complete transparency about your pet's coverage.

    What are the average veterinary costs in India?

    It varies from clinics to hospitals in India and also the consultation you need for your dog/cat. However, in clinics it starts from ₹300, where as in the hospitals it starts from ₹700 on average. Also, different parts of the country have different rates. But if you are covered with the best pet insurance, you can rest assured.

    Which pets are covered under a pet insurance policy in India?

    All the breeds of dogs and cats are covered under your pet insurance from Bajaj General Insurance except the specific breeds banned by the Government of India.

    What factors affect the pet insurance premium in India?

    When you buy pet insurance in India, you need to know the factors that might affect the premium price. The basics include the age of your pet, breed, sum-insured, and the sections chosen by the owners of the pet.

    What does a pet insurance policy typically cover?

    Our Pet Insurance policy typically covers Surgery and fractures, Hospitalisation expenses, terminal diseases, Mortality cover, third-party liability cover, Theft and lost stray cover, long-term care cover, OPD, etc.

    How do I choose the right pet insurance plan for my pet?

    Choosing the right plan is easily possible by assessing the needs of your pet and exploring the offerings of Bajaj General Pet Insurance online. Understanding the medical history, age, breed, and other behaviours of your pet may also help you make the best choice.

    Read More: How to choose the Best Pet Insurance in India?

    How much does a pet insurance policy cost in India?

    Determining how much your pet insurance policy will cost you depends on many factors. It varies depending on the coverage and the sum insured chosen by the owners of the pet. Also, various factors about the details of your pet impact the price.

    What factors affect my pet insurance premium?

    Age of the pet, sum-insured, the selected sections, and breed of the pet are the major factors which affects pet insurance premiums.

    Does pet insurance cover vaccinations for my pet?

    No, Pet insurance does not cover the vaccination costs for your pet. 

    Read More: Does Pet Insurance Cover IVDD?

    Is there a waiting period before my pet insurance becomes active?

    Yes, similar to other health insurance, there is a waiting period for PED of your pets too. Refer to your policy documents for further details and clarity. You can always ask for details when you buy a pet insurance policy.

    How can I buy pet insurance for my dog online?

    You need to buy the best pet insurance, which can be easily done by visiting Bajaj General Insurance's website and exploring our pet insurance offerings. Enter the details of your pet and get a quick quote personalised just for your pet.

    How does the reimbursement process work in pet insurance?

    Pet insurance reimbursement works by you paying the veterinary bill upfront, then submitting a claim to your insurer, who reimburses you for eligible expenses based on your policy terms. The amount you receive depends on scope of coverage, deductibles, and coverage limits.

    What documents are required to file a pet insurance claim?

    When you buy pet insurance online, you may need duly filled claim form, Complete vaccination certificate/card, All diagnostic reports and treatment papers/documents, Veterinarian’s prescription, pre- and post-illness photographs of your pet, Operation theatre notes (for surgery claims), Copies of all bills/invoices related to the treatment, Discharge summary (for hospitalization cover), FIR/General Diary entry lodged with police (only for theft/loss and third-party liability claims), Newspaper advertisement cutting (only for theft/loss claims), Court award (only for third-party liability claims), Death certificate (only for mortality benefit claims), Cancelled cheque (for reimbursement processing), PAN card of the insured.

    How long does it take to settle a pet insurance claim in India?

    Typically, your pet insurance policy claims can be settled as early as 5-9 days after submission of all the required documents. In situations where some scrutiny is required, there might be a slight delay.

    What expenses are not covered when filing a pet insurance claim?

    Pet insurance premium claims do not cover illnesses observed during the policy waiting period, pre-existing conditions, routine check-ups, or non-essential expenses. Exclusions specified in the policy documents, preventive care, elective surgeries, consumables, and other non-medical costs. Additionally, Claims for illnesses not included in the list of covered conditions under the respective sections(OPD, Long Term Care Cover and Terminal Illness Cover) are not payable.

    How can I claim on my pet insurance policy?

    Filing claims to get basis your pet insurance price is possible by various modes. You can file claims by using any of the online modes, chatbot, link, QR code or Bajaj General Insurance app.

    How many times can I raise a claim on my pet insurance policy?

    You can usually raise multiple claims in a year when you buy pet insurance with Bajaj General, but the total payout cannot exceed your policy’s/coverage annual or sum insured limit.

    Can I avail cashless claim service for pet insurance policy?

    As of now, cashless claim service is not available with pet insurance. But you can rest assured that you will be seamlessly reimbursed as you are covered with the best pet insurance policy.

    How do I renew my pet insurance policy before it expires?

    Pet insurance renewal is possible by visiting Bajaj General Insurance's website, or the nearest branch, or IMD and ask them to renew by paying the premium derived for your pet's needs as per your choice.

    Will my pet insurance premium increase at renewal if I made a claim?

    Your revised premium at the time of renewal can be easily known when you buy pet insurance online. The premium price depends largely upon the scenario of the claim made during the policy year.

    Can I upgrade my pet insurance coverage at the time of renewal?

    Yes, it is always advisable to revisit at the time of renewal what your pet insurance policy covers. Your pet's needs might change, and better add-ons may further protect your pet.

    What happens if I miss my pet insurance renewal date?

    There will be a 1-month grace period for the renewal, and if it exceeds that, then it should be booked as a new policy. This might affect pet insurance premiums too. Renewing the policy before expiry or at the most in the grace period is always advisable.

    Do I need to pay additional money for renewing pet insurance policy?

    The pet insurance price at the time of renewal depends on the coverage; whether you want to continue with old benefits or choose to have some add-ons for additional benefits. Several other factors might impact the determination of your premium for the pet plan.

    What documents do I need to renew my pet's insurance policy?

    When you buy pet insurance for the first time, you are required to submit a few documents. But renewing your pet insurance is much simpler. All you need is the policy schedule document or the certificate of insurance and renewal notice.

    What is the renewal period for pet insurance plans?

    The renewal period depends on the period of the policy chosen by the owner of the pet. You get a 1-month grace period post policy expiry with the best pet insurance policies.

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    Kitna Health Insurance Cover Enough Hai?

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    Explore Our Pet Insurance Articles

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    Pet Accident Coverage Explained

    • What is Pet Accident Coverage?
    • What is Covered Under Pet Accident Coverage?
    • What are the Benefits of Taking Pet Accident Coverage for Your Paw Buddy?
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    Pet Insurance for Routine Check-Ups: What Indian Pet Parents Should Know

    • The Real Cost of Pet Parenting in India
    • Can You Get Pet Insurance for Routine Check-Ups?
    • The Game Changer: OPD Cover from Bajaj General Insurance
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    Tips for Keeping Pets Healthy and Lowering Insurance Claims

    • 11 Smart Tips to Keep Your Pets Healthy and Lower Insurance Claims
    • The Bottom Line
    • Frequently Asked Questions
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    Which Indian Dog Breeds Benefit Most from Pet Insurance in 2026?

    • 10 Most Expensive and Best Dog Breeds That Benefit from Insurance in India
    • Why Do Dog Breeds Need Dog Health Insurance?
    • Final Thoughts
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    Common Dog Surgeries: What to Expect & How to Prepare?

    • What are the Common Dog Surgeries and Their Costs?
    • Benefits of Choosing Pet Insurance
    • How Does Bajaj General Insurance Cover the Dog Surgery Expenses?

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    Motor Insurance

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    • 4.6 lakh+ Road Accidents in 2022 (Ministry of Road Transport and Highways)
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    Global Personal Guard Policy

    • Stay active and adventurous
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    • Buy comprehensive coverages

    HERizon

    • Comprehensive cover for health, accident & critical illness
    • Maternity benefits with wellness perks & childcare support
    • Priority claim support tailored for women’s unique needs

    Pet Insurance

    • Vet bills covered for accidents, illnesses & emergencies
    • Routine care perks including check-ups
    • Fast claims with hassle-free reimbursements

    Travel Ace Insurance

    • Medical & trip cover for a stress-free journey
    • Flight delays? No worries! Get reimbursed fast
    • 24/7 global support wherever you travel

    Cyber Safe Insurance

    • Protects you online from fraud, hacks & cyber threats
    • Covers financial loss due to phishing & identity theft
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    Tools

    If you want to locate our branches or learn more about our wellness programs relevant to your pet, utilise these tools.

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    What Customer Say About Bajaj General Pet Insurance

    Easy, Affordable, and Reliable

    Found the best pet insurance in India through Bajaj General Caringly Yours! Easy, affordable, and reliable.

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    Sashank

    Pune

    5

    26th Jan 2025

    Simple Process

    The app is perfect for pet parents in India. Simple process, great coverage, and no hassle! 😊

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    Muskan Kumari

    Mumbai

    5

    26th Jan 2025

    Excellent Pet Insurance

    Bajaj General offers excellent pet insurance plans in India. The app made everything super easy!

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    Devansh Agarwal

    Pune

    5

    26th Jan 2025

    Quick Process

    The app simplifies pet insurance in India. Quick process, reliable policies, and affordable premiums. 🌟

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    Jayaa Mandal

    Bhopal

    5

    26th Jan 2025

    Easy And Efficient

    Best experience ever! Secured my pet’s health with Bajaj General. The app is easy and efficient! 💙

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    Rajiv Sinha

    Gujrat

    5

    26th Jan 2025

    Highly Recommend

    Loved how the Bajaj General App provided comprehensive pet insurance options in India. Highly recommend!

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    Dev Jat

    Mumbai

    5

    26th Jan 2025

    Smooth Experience

    Thanks to Bajaj General, I secured the best pet insurance for my furry companion. Smooth experience!

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    Dilip Kumar

    Pune

    5

    26th Jan 2025

    Great Coverage

    Bajaj General Caringly Yours offers the best pet insurance options! Easy process and great coverage!

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    Sangeetha Ravi

    Rajasthan

    5

    25th Jan 2025

    Awards & Recognition

    Awards
     
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    Bajaj General Insurance won IBEX award
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    Bajaj General earns top honours for customer excel

    Bajaj General won best usage of data analytics

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    With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!