Pet Insurance

Cat Insurance

Name: Buy Cat Insurance & Kitten Insurance Online in India
Brand: Bajaj General Insurance
Rating: 4.67 (18050 reviews)

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Insurance starting at ₹169*

Giving Back the Loyalty They Deserve

Coverage Highlights

Key benefits of this plan

Comprehensive Coverage

Includes vet fees, surgeries, and illness-related treatments

Affordable Premiums

Flexible and tailored plans for cats of all breeds

Multiple pets covered

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

Inclusions

What's covered?

Surgery & Fracture Expenses Covered

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

Hospitalization Expenses

Covers in-patient treatment costs for illness/accidents at a veterinary hospital during the policy period.

Mortality Benefit

Provides payout if the insured cat dies due to illness, accident, or humane euthanasia for incurable suffering during the policy term

Terminal Diseases Cover

Pays agreed amount in case the cat is diagnosed as suffering from any of the terminal disease

Long-Term Care Cover

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

OPD Cover

Pays agreed amount for treatment of your cat, carried out by a vet at his/her veterinary clinic, upto the amount of ₹ 30000

Third Party Liability

Pays the agreed amount for legal defense if the insured is absolved of liability by a competent court or tribunal.

Theft/Straying/Lost Cover

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

Note

Please read policy wording for detailed terms and conditions

Exclusions

What's not covered?

Cosmetic or elective procedures

Routine check-ups or vaccinations outside the policy scope

Glaucoma related claim

Any claim related to Glaucoma shall not be payable

Death due to lack of vaccination

If the death results from or the isured pet is put to sleep from an illness it has not been vaccinated against despite the requirement to do so

Surgeries/Hospitalisations

Any Surgeries/Hospitalisation which are not necessitated due to any Accident/Illness

Note

Please read policy wording for detailed terms and conditions

Additional Services

What else can you get?

Vaccination

Covers disease, illness or death occuring despite vaccination

Discounts

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

Note

Please read policy wording for detailed terms and conditions

What is Cat Insurance?

Cat insurance is a financial safety net for pet owners to take complete care of their cat’s health. For instance, cat insurance provides coverage for their illness, injuries and accidents. Cat insurance also covers routine veterinary visits, accidents, theft or straying, etc. There are optional add-ons you can get, such as OPD cover, terminal disease cover, theft cover, and more.

In this type of cat insurance policy, you have to pay a premium quarterly, annually or bi-monthly, whichever tenure you choose. An insurance like this for your pet cat ensures that you can always have a financial backup for your furry friend.

Quick Overview

1
Comprehensive Surgical Benefits: Choose plans which provide continuous coverage throughout your cat's life stages from kittenhood to senior years.
2
Third-Party Liability Coverage: This refers to coverage for damages and injuries caused to another human or property by your cat.
3
Affordable Premium Structure: Always make sure to go for a premium structure plan that you are most comfortable with.
4
Terminal Illness Cover: Cat insurance plans have terminal illness coverage, which provides coverage for cats in the long term for cats with chronic illnesses.
5
Theft/Stray Cover: Covers advertising cost in case of Theft/Straying of the insured cat and provides reward to the person who assisted in successfully tracing out of lost or stolen pet.

Why Cat Insurance Matters?

Wondering why cat insurance matters at all? Well, here are a few reasons why cat insurance is important to get:

Unexpected Scenarios

Cats are fun-loving creatures, and they often get into minor accidents and get injured. In this situation, cat insurance provides the necessary coverage for unexpected scenarios like this.

Financial Assistance

Cat insurance grants you financial assistance for when you require it and helps cover routine veterinary costs, hospitalisation and surgery bills. It helps safeguard your finances.

Third-Party Liability

If your pet causes injury to someone else, cat insurance helps cover medical bills, damages caused to private property and sometimes legal defence fees.

Quality Treatment

Financial aid for your cat, access to quality treatment, helps you focus on your pet's health rather than your bank. Cat insurance is beneficial in this way.

Mortality Benefit

A mortality benefit essentially refers to a life insurance payout. It provides financial compensation up to a chosen sum insured if your pet cat unfortunately passes away.

Terminal Diseases Cover

If your pet is diagnosed as suffering from a terminal diseases like cancer, Chronic Kidney failure, Coagulation Disorders, Cardiac Dysfunctions, Feline Distemper, or Leukemia you are paid a lump sum amount if your pet survives a minimum of 30 days from diagnosis.

Why Should You Choose Bajaj General Insurance Cat Insurance?

Here are a few reasons why you need to immediately get cat insurance for your feline pet:

Comprehensive Costs Coverage

With our cat insurance policy, you can get comprehensive care coverage for a vast range of conditions, such as hospitalisation coverage, mortality benefit, surgery and fracture expenses, and terminal diseases cover.
Protection from Rising Costs

Veterinary costs are at an all-time high, just like treatment procedures for humans. In this scenario, our cat insurance policy helps you reduce out-of-pocket expenses during your pet's routine check-ups.
Coverage for Accidents

With our cat insurance policy, you get coverage for surgery and fracture expenses. Our policy will pay you the agreed amount for surgical expenses incurred for insured cats during policy tenure.
24/7 Customer Support

We provide round-the-clock assistance, which will let you get help whenever your cat needs care. Our cat insurance policy ensures that claims, queries and emergency guidance are available anytime.
Easy Digital Access

You can easily access all your policy details on our site. It is very simple and ensures an easy convenience when you need to claim cat insurance policy benefits.
Financial Stability

Having our cat insurance policy grants you financial stability by covering the expensive veterinary costs, surgery, and hospitalisation, essentially saving you from having to pay upfront costs and draining your savings.
Flexible Coverage

You do not need to get bundled coverage of a cat insurance policy. You can choose from customisations to get the one policy which fits your needs.
Terminal Illness Benefit

Our policy pays a lump sum amount in case your cat is diagnosed with a terminal disease. This helps you get coverage for long-term and continuous vet visits during that tenure.

What are the Benefits of Cat Insurance?

There are many benefits to getting cat insurance. Here are a few of them:

Customisable Plans

Cat insurance policies are flexible in nature and can be modified according to your unique pet's needs. You can select the policy according to your pet's breed, lifestyle and age.

Financial Security

Get to avail financial security when it comes to your pet's healthcare needs. For instance, you get coverage for procedures or even routine veterinary care visits for your furry companion.

Premium Healthcare

With a cat insurance policy, you can access premium-quality healthcare and vet services without having to make any drastic out-of-pocket expenses for their surgery and treatment.

Emergency Coverage

A cat insurance policy grants you a financial backup during any emergency vet visits, hospitalisation for your cat or any emergency hospitalisation of your pet cat.

Funeral Expenses

In the event of an unforeseen circumstance, if your cat passes away, this cat insurance coverage provides a reimbursement if the claim is admissible within the policy year.

Legal Claims Coverage

Cat insurance covers expenses that are incurred by pet owners for lawsuits or legal claims for property damage and bodily injury caused by pets.

Entry and Exit Age for Pet Cat Insurance

If you are a responsible pet cat parent and like to secure yourself against expenses that may be incurred in case of an accident or illness, you are at the right place. The policy term for the best pet insurance for cats is dependent on the options offered against respective covers.

Parameters	Information
Breed Type	All Breeds
Entry Age	3 months - 7 years
Exit Age	12 years
Policy Period	Short-term Policy: For less than a year Long-term Policy: For a maximum of 3 years

Different Age Brackets for Pets

When you buy a cat insurance policy, it is necessary to know that they are categorised according to the age of your pet. Hence, the premiums and sum insured will ultimately depend on your cat’s age.

Age Band	Cats
Age Band 1	3 months - 2 years
Age Band 2	2 years - 5 years
Age Band 3	5 years - 7 years
Age Band 4	7 years - 12 years

Why Choose Bajaj General Cat Insurance Policy?

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Multiple Pets Covered

Our plans provide all-round protection for your beloved cats and dogs.

Annual/ Short Term/ Long Term Policy Period option

Flexible policy periods to suit your needs

Long Term Discount

Opt for our long-term plans and benefit from significant discounts

Discount On RFID Number

Enjoy discount on RFID tagging of your pet

Rise In Veterinery Costs

Vet bills are getting expensive by the day, especially surgery costs

Commonly Occurring Diseases

With an increasing number of pets, the risk of transmittable diseases like mites and ticks increases

Emergency Medical Care

1 in 3 pets emergency medical care each year

How to Choose the Right Plan for Your Cat?

Here are a few things you need to keep in mind when choosing a cat insurance policy:

Explore Plan Options

Before finalising the purchase, make sure to explore different cat insurance plans. It will give you insight into which policy type is ideal for your pet cat.

Compare Policies Online

There are many insurance comparison tools available online. You can use them to get an idea about the plan that offers the best premium features at an affordable price.

Choose Add-Ons

When choosing a cat insurance policy, research the available add-ons that can help you get the best coverage for all your pet’s healthcare needs.

Determine Sum Insured

You need to know what you want out of your cat insurance policy. Then, accordingly, decide on an ideal sum insured which serves the purpose of covering your cat’s healthcare needs.

Extent of Coverage

When purchasing a cat insurance policy, you need to check for the extent of coverage. It will help you determine whether an insurance policy is the right fit for you.

Waiting Periods

A waiting period means that your policy benefits do not kick in until the waiting period is over. You need to look for a policy which has fewer or no waiting periods.

Annual Premium Costs

The annual premium costs are yet another thing to determine when buying a cat insurance policy. This will give you an idea about its affordability and whether it provides the benefits it claims.

Claim Settlement Ratio

The claim settlement ratio is a strong indicator of the reliability of an insurer. Make sure to check the claim settlement rate of the insurer you select; the higher, the better.

User Reviews

Always check for user reviews from people who have already availed themselves of the service of the insurer you are going to choose. This is because marketing claims always differ from real-world experiences.

To make sure

How to Buy Cat Insurance Online?

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

1

For any further queries, please reach out to us
2

Toll Free : For Sales :1800-209-0144
3

Email ID: careforyou@bajajgeneral.com

Documents Required to Buy Cat Insurance in India

Here is a list of documents which you need to purchase cat insurance in India:

A filled proposal form

Video of the pet cat walking along with colour photographs from all angles

Diagnostic test results, if required

Description or details that uniquely identify the pet cat to be insured

Self-declaration on vaccinations

Purchase proof, if required

A pedigree certificate if the policyholder has opted for the pet to be of the pedigree lineage

Download Policy Document

Get instant access to your policy details with a single click.

Brochure

Policy Wordings

Proposal Form

Claims

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4 Tips for Cat Owners: Keep Vet Costs Manageable

1
Groom Pets Regularly: Preventing ticks in cats is necessary, as they easily get dirty. You can prevent costly vet visits later on by bathing your cats regularly.
2
Check Weight of Cats: An excess weight in pets increases their risk of arthritis, heart disease, diabetes and other chronic conditions. You need to keep their weight in check.
3
Prioritise Dental Care: Make sure that you regularly brush your cat's teeth. This will reduce the chances of them getting periodontal disease and any oral problems.
4
Annual Exams: It is always recommended that you take your pet cats for their annual exams for early detection of potential health hazards.

1
Annual Limit: It refers to the maximum amount a policy pays out each year. After you hit this cap, you are solely responsible for further vet bills incurred.
2
Pre-Existing Conditions: Pet insurance does not cover pre-existing diseases. Hence the insurance will not cover any pre-existing injury or illness
3
Wellness Add-Ons: These refer to routine care such as deworming, vaccinations and dental cleanings, which are usually not covered by the standard base pet insurance policies.
4
Age Limit: There are many insurers that have an entry and exit age limit. You cannot insure your cat outside of such a set age range.

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

There are two ways to make a claim for a cat insurance policy. Here are two ways you can claim your cat’s insurance policy:

Reimbursement Claim

In case of illness, take your cat to a veterinary clinic or hospital of your choice and ensure that all necessary medical procedures are carried out.

Collect and retain all treatment-related documents, including veterinary prescriptions, recommendations, diagnostic reports, medical records, bills, and invoices.

The Claims Team will review the claim, provide assistance, and issue the List of Requirements (LOR) along with the claim form.

Submit the completed claim form and all required documents. The Claims Team will verify and assess the claim based on the submitted information.

As per the claim admissibility, the approved claim amount will be transferred directly to your bank account.

Frequently Asked Questions on Cat Insurance

What are the costs of a veterinary visit for a cat in India?

The veterinary costs for your pet may vary as on the services that are taken. Considering the medical expenses, the bills may sometimes be on the higher side. In case of any emergency that requires immediate hospitalisation or surgery, having cat insurance for a kitten is proven to be more beneficial.

What factors affect the pet cat insurance premium in India?

Various factors determine pet insurance in India. Some of it includes breed, age of the breed, age, and policy tenure.

Can the pet be insured for commercial purposes?

Yes, a pet cat can be insured for commercial purposes. However, not for hunting, sports activities, breeding, or any hazardous activities.

Will the pet cat be covered under third-party liability?

Yes, the Bajaj General Insurance will pay the sum insured limit of up to ₹15,00,000 only. There is a waiting period applicable to any claim arising due to an accident.

Can I buy pet insurance cover for my adopted cat?

Yes, you can include an adopted pet cat in the circle of cat insurance protection. Proof of ownership in the form of medical tests, veterinary visits and so forth needs to be provided during a pet insurance claim.

Will pet cat insurance also cover the vaccination costs upon failure?

No, the cost of vaccination failure is not covered under the policy. However, certain illnesses that may arise due to vaccination failure may be covered under the Terminal Disease Cover. Examples include Feline Leukemia (FeLV) and Feline Distemper (Panleukopenia).

What is a pet insurance policy?

A pet insurance policy is designed to help pet owners manage their costs for veterinary care. It usually covers the expenses for accidents, illnesses, and sometimes routine wellness, depending on the plan.

Can I get an insurance policy for my pet?

Yes, but the availability and specific types of coverage can vary depending on your location and the type of pet you have.

What is the cost of a pet insurance policy?

The cost of a pet insurance policy varies based on several factors, including the pet's breed, age, health, and the level of coverage chosen. The policy premium can also differ as per the coverage.

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

You need to provide basic information about your pet, such as their breed, age, and medical history. Some providers may require veterinary records or proof of vaccination. It is always best to check about the specific documentation requirements.

How can I claim on my pet insurance policy?

To submit a pet insurance claim, register your claim through the Bajaj General App, WhatsApp, online portal, or toll-free number. Once the claim is registered, the Claims Team will guide and assist you throughout the claim process, including document submission, claim assessment, and settlement.

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

There is no limit on the number of claims that can be registered during the policy period. However, the total claim payout is subject to the available Sum Insured and the terms, conditions, and limits specified under the policy.

Can I avail cashless claim service for pet insurance policy?

Cashless claim services for pet insurance are becoming more common, but availability varies. Check with your insurance provider to see if they offer cashless options and which veterinary clinics participate in their network.

What is a pet claim?

A pet claim is a request for reimbursement from your pet insurance provider for eligible veterinary expenses incurred due to your pet's illness or injury, as outlined in your policy.

What is the process of renewing pet insurance policy?

The renewal process for pet insurance involves paying the renewal premium before the policy's expiration date. Some insurers may offer automatic renewals while others require you to confirm your intent to renew. It's best to contact your provider or review your policy documents for their specific renewal process.

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

Yes, you might need to pay a renewal premium to maintain your pet insurance coverage. The premium amount may vary based on factors such as your pet's age, health, and any changes to the policy's coverage.

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

In most cases, you won't need to provide extensive documentation for renewal. However, your insurer might request updated veterinary records if your pet's health has changed significantly. Always check with your insurance provider for their specific renewal requirements.

What is the renewal period for pet insurance plans?

The renewal period for pet insurance plans is usually annual, though some policies might have different renewal frequencies. It's important to renew your policy before the expiration date to avoid a lapse in coverage. Refer to your policy documents for the exact renewal period.