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    Pet Insurance

    Dog Insurance

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    Key Features

    Giving Back the Loyalty They Deserve

    Coverage Highlights

    Key benefits of this plan
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    • Comprehensive Coverage

    Includes vet fees, surgeries, and illness-related treatments

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    • Affordable Premiums

    Flexible and tailored plans for dogs of all breeds

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    • Multiple pets covered

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

    Inclusions

    What's covered?
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    • Surgery & Fracture Expenses Covered

    Pays agreed amount in case of Surgical expenses incurred for the insured dog during the Policy Period

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    • Hospitalization Expenses

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

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    • Mortality Benefit

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

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    • Terminal Diseases Cover

    Pays agreed amount in case the dog is diagnosed as suffering from any of the Terminal diseases

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    • Long-Term Care Cover

    Pays agreed amount in case the dog 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 dog, carried out by a vet at his/her Veterinary Clinic, upto the amount of INR 30000

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    • Third Party Liability

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

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    • Theft/Straying/Lost Cover

    Pays agreed amount for permanent loss as a result of your dog being lost or stolen or strayed and no recovery having been made after 45 days despite appropriate attempts to trace your dog 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 death results from or the insured pet is put to sleep from an illness it has not been vaccinated against despite the requirement to do so.

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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 disease, illness or death occuring despite 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

    What is Dog Insurance?

    Dog insurance is a pet insurance from Bajaj General Insurance which helps cover veterinary expenses when your pet dog falls sick, injured or requires medical treatment. Depending on the policy, it may reimburse costs for accidents, surgeries, medications, diagnostic tests, hospitalisation and sometimes routine care such as failure of vaccinations. 

    Dog insurance provides financial protection to pet owners by reducing the burden of unexpected healthcare expenses. Policies vary in coverage, premiums, deductibles, and reimbursement rates. By purchasing dog insurance, owners can ensure their pets receive timely medical attention while managing veterinary costs more effectively and maintaining peace of mind.

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    Quick Overview

    • 1

      Lifetime Coverage Options:

      1. Many plans offer long-term renewability, providing a consistent financial protection as your pet ages over time. 

    • 2

      Immediate Accident Protection:

      1. Policies often cover accident-related injuries from the start date, ensuring quick financial support for emergencies. 

    • 3

      Comprehensive Medical Coverage:

      1. These plans reimburse expenses for illnesses, injuries, surgeries, medications and hospitalisation to manage overall costs. 

    • 4

      Customisable Sum Insured:

      1. Owners can select specific coverage amounts based on their dog's breed, age, and individual needs. 

    • 5

      Theft and Loss Support:

      1. Specific plans provide financial compensation if your pet is unexpectedly lost, stolen or goes missing. 

    • 6

      Premium Discount Incentives:

      1. Insurers may offer premium savings for responsible owners whose dogs have microchips or RFID tags.

    Read More

    Why Do You Need Dog Insurance?

    Knowing the importance of dog insurance can help you protect your pet's health while avoiding unexpected veterinary expenses. Here are a few reasons why you need dog insurance:

    What are the Benefits of Dog Insurance Policy?

    Wondering what are the benefits of a dog insurance policy? Here are a few of them: 

    Best Dog Insurance Plans in India: Complete Health Protection for Your Pet

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      Extensive Health Coverage:

      1. Leading dog insurance plans provide protection against illnesses, accidents, surgeries, and hospitalisation expenses. This comprehensive coverage ensures pets receive necessary medical care while helping owners manage veterinary treatment costs effectively. 

    • 2

      Emergency Treatment Support:

      1. Unexpected accidents can result in costly medical emergencies. Dog insurance offers financial assistance for urgent treatments, allowing pet owners to seek immediate veterinary attention without worrying about significant expenses. 

    • 3

      Lifetime Policy Benefits:

      There are some insurance plans which offer long-term renewability throughout a dog's eligible lifespan. Continuous coverage helps owners maintain financial protection against health-related expenses as their pets grow older.

    • 4

      Hereditary Disease Protection:

      Many dog breeds are vulnerable to inherited medical conditions. Quality insurance plans help cover diagnostic procedures and treatments, reducing the financial impact of managing breed-specific health concerns that are not pre-existing.

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      Flexible Coverage Options: :

      1. The top insurance providers offer a customisable plan based on age and healthcare requirements. This kind of flexibility allows pet owners to select coverage which suits their dog's specific needs. 

    • 6

      Preventive Care Assistance:

      1. There are certain policies which include benefits for vaccinations, wellness check-ups, and preventive healthcare. Regular preventive care supports early disease detection and contributes to maintaining your dog's overall health. 

    • 7

      Surgical Expense Coverage:

      1. Advanced surgeries can be very expensive and financially challenging in nature. A dog insurance policy helps you to cover surgical procedures and related medical costs. It ensures that pets get recommended treatments when necessary. 

    • 8

      Theft Protection Benefits: There are some plans which include compensation for dogs lost, stolen or missing. This added protection provides financial security.

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      Affordable Premium Savings:

      1. Insurance providers may offer discounts for microchipped or properly identified dogs. These cost-saving opportunities help make comprehensive coverage more affordable for responsible pet owners across India. 

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      Complete Financial Security:

      1. Dog insurance safeguards owners from any unexpected veterinary expenses which may arise throughout a pet's life. Financial protection allows better healthcare decisions without compromising household budgets or savings.

    Read More

    COMPARE TABLE

    Find the best coverage options side by side, tailored to your needs.

    Coverage Name
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    Sum Insured

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    Short Term

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    Annual/Long Term

    Surgery Expenses Cover ₹ 10,000 - ₹ 3,00,000 Yes Yes
    Hospitalisation Expenses Cover ₹ 5,000 - ₹ 50,000 Yes Yes
    Mortality Benefit Cover Varies for each pet No Yes
    Terminal Diseases Cover ₹ 5,000 - ₹ 50,000 No Yes
    Long-Term Care Cover ₹ 5,000 - ₹ 50,000 No Yes
    OPD Cover ₹ 30,000 Yes Yes
    Third Party Liability Cover ₹ 10,000 - ₹ 1,50,000 Yes Yes
    Theft/Lost/Straying Cover Varies for each pet Yes Yes

    How to Choose the Right Dog Insurance Plan?

    Here are a few ways to ensure you choose the right dog insurance plan: 

    Why Bajaj General Dog Insurance Policy?

    If you are looking for comprehensive protection for your furry companion, Bajaj General Dog Insurance offers a range of benefits designed to safeguard your pet’s health such as:

    Entry and Exit Age for Dog Insurance

      

    We think it is a great idea that you are looking at pet insurance options. In order to be eligible for our dog insurance cover, your dog must be between the ages of 3 months and 4 years for Giant Breeds or 3 months to 7 years for Small/Medium/Large breeds.

    We can offer your dog insurance for up to the age of 6 years for Giant breeds or 10 years for Small/Medium/Large breeds, if continuously renewed with us.

    Different Age Brackets for Dogs

     Age Band

     Small, Medium, Large Dogs and All Cats

     Giant dogs

     Age Band 1

     3 months - 2 years

     3 months - 1 year

     Age Band 2

     2 years - 5 years

     1 year - 3 years

     Age Band 3

     5 years - 7 years

     3 years - 5 years

     Age Band 4

     7 years - 10 years (dogs)/7 years - 12 years (cats)

     5 years - 6 years

    At the time of policy renewal, if your Pet’s age falls into a different age bracket, the renewal premium will be adjusted accordingly based on the applicable rates for the new age band.

    Documents to Be Submitted While Buying Dog Insurance

    Here is a list of documents you need to submit when purchasing a dog insurance: 

    General / Common Documents (Required for Most Claims)

    1
    A short duly-filled proposal form with accurate details about your pet dog.
    2
    Identification photos of your dog from a recent date at five angles: Front, Back, Left, Right, and Top.
    3
    If your dog has an RFID chip, a clear colour photo showing the chip number is acceptable.
    4
    Self-declaration of timely vaccinations for your pet.
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    For pets above 4 years (if you want to waive the 90-day waiting period), you will need diagnostic test results, including: Biochemistry test, Complete blood count, Urine test and Chest X-ray.
    6
    Pedigree Certificate from the Kennel Club of India (only if opting for a Sum Insured applicable to pedigree lineage).
    7
    Purchase proof (only if you choose a Sum Insured higher than the maximum price defined for your pet’s breed).
     

    Special Conditions for Dog Insurance

    Before purchasing a dog insurance policy, it is important to understand the special eligibility requirements, waiting periods, and coverage limitations that may apply to certain pets and conditions.

    General / Common Documents (Required for Most Claims)

    1
    Dogs above four years require additional insurance eligibility conditions.
    2
    Submit recent medical reports from tests conducted within seven days.
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    Required tests include biochemistry, blood count, urine examination, X-ray.
    4
    Alternatively, accept a ninety-day waiting period for specified conditions.
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    No coverage during the waiting period for surgeries and hospitalisations.
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    Mortality, terminal diseases, long-term care remain excluded.
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    Claims arising out of accidents are excluded during the initial ninety-day waiting period.
     

    Step-By-Step Guide

    How to Buy Dog Insurance Online?

    How to Buy

    • 1

      Visit Bajaj General website

    • 2

      Enter personal details

    • 3

      Compare Pet insurance plans

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      Select suitable coverage

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      Check discounts & offers

    • 6

      Add optional benefits

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      Proceed to secure payment

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      Receive instant policy confirmation

    How to Renew

    • 1

      Login to the renewal portal

    • 2

      Enter your current policy details

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      Review and update coverage if required

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      Check for renewal offers

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      Add or remove riders

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      Confirm details and proceed

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      Complete renewal payment online

    • 8

      Receive instant confirmation for your policy renewal

    How to Claim

    • 1

      Notify Bajaj General about the claim

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      Submit all the required documents

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      Choose cashless or reimbursement mode for your claim

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      Avail treatment and share required bills

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      Receive claim settlement after approval

    Contact Us

    • 1

      For any further queries, please reach out to us

    • 2

      Toll Free : For Sales :1800-209-0144

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      Email ID: careforyou@bajajgeneral.com

    Download Policy Document

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

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

    Here’s how you can make a Bajaj General Dog Insurance claim: 

    Reimbursement Claims:

    1
    Take your pet to the veterinary clinic of your choice and ensure all necessary medical procedures are performed.
    2
    Ensure you collect and retain all original invoices.
    3
    Complete the required claim application form and attach all original medical documents.
    4
    Submit complete documentation to us. We will verify the claim against your policy.    
    5
    Once the claim is processed and approved, the eligible amount will be reimbursed directly to your registered bank account.
     

    What are the Documents Required for Dog Insurance Claim?

    Here is a list of documents required for a dog insurance claim:

    General / Common Documents (Required for Most Claims)

    1
    A duly-filled proposal form with accurate details about your pet dog.
    2
    Video of the pet dog walking along with colour identification photos of your dog from five angles: Front, Back, Left, Right, and Top.
    3
    Diagnostic test results, if required.
    4
    Description or details that uniquely identify the pet dog to be insured.
    5
    Self-declaration on vaccinations.
    6
    Purchase proof, if required.
    7
    A pedigree certificate if the policyholder has opted for the pet to be of the pedigree lineage.
     

    What are the Dog Insurance Terms You Need to Know About?

    • 1

      Premium:

      It is the amount you pay to keep your dog insurance policy active. It is paid annually and varies based on your dog's age, breed and coverage level. 

    • 2

      Deductible:

      A deductible is the amount you pay out of pocket before your insurance provider starts covering eligible veterinary expenses. Higher deductibles often result in lower monthly premium costs. 

    • 3

      Reimbursement Rate:

      1. The reimbursement rate is the percentage of covered veterinary costs your insurer pays after the deductible is met. Common reimbursement rates range from 70% to 90% of eligible expenses.

    • 4

      Coverage Limit:

      1. A coverage limit is the maximum amount which an insurer will pay for claims during a policy term. Limits may be annual, lifetime, or per-condition, depending on the plan. 

    • 5

      Waiting Period:

      It is the time between purchasing a policy and when coverage begins. During this period, claims for illnesses, injuries or specific conditions are generally not eligible.      

    • 6

      Pre-Existing Condition:

      It refers to any illness, injury or symptom your dog had before insurance coverage started. Most pet insurance providers exclude these conditions from coverage.

       

       

    • 7

      Claim: It is a request submitted to your insurance company for reimbursement of covered veterinary expenses. Claims usually require invoices, medical records, and treatment details from your veterinarian. 

    • 8

      Accident Coverage: Accident coverage helps pay for veterinary costs resulting from unexpected injuries such as broken bones, bites, poisoning or swallowing foreign objects depending on policy terms. 

    • 9

      Illness Coverage:

      Illness coverage reimburses expenses related to diseases, infections, chronic conditions and other health issues your dog may develop after the policy becomes effective. 

    • 10

      Exclusions: Exclusions are treatments, conditions or circumstances not covered by the insurance policy. Common exclusions include cosmetic procedures, breeding expenses, and certain pre-existing medical conditions. 

    Read More

    What Our Customers Say

    Easy, Affordable, and Reliable

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

    alt

    Sashank

    Pune

    5

    26th Jan 2025

    Simple Process

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

    alt

    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!

    alt

    Devansh Agarwal

    Pune

    5

    26th Jan 2025

    Quick Process

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

    alt

    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! 💙

    alt

    Rajiv Sinha

    Gujrat

    5

    26th Jan 2025

    Highly Recommend

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

    alt

    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!

    alt

    Dilip Kumar

    Pune

    5

    26th Jan 2025

    Great Coverage

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

    alt

    Sangeetha Ravi

    Rajasthan

    5

    25th Jan 2025

    FAQ's

    Is pet insurance for dogs important?

    Pet insurance is a must for every pet owner to maintain the pet’s overall well-being. With suitable pet insurance coverage, your pet dog can avail of medical care and secure you against unexpected veterinary bills.

    What factors affect the dog insurance premium in India?

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

    Can the insured dog be used for any commercial purpose?

    The dog can be insured for commercial purposes. However, not for hunting, sports activities, breeding, or any hazardous activities.

    Which is better for my dog: health insurance or medical insurance?

    Health insurance for your dog offers broader coverage, including pre- and post-hospitalisation expenses, while a mediclaim policy primarily covers hospitalisation costs, making health insurance more comprehensive.

    What is the cost of buying dog insurance?

    The dog insurance premium is dependent on several factors, such as policy term, breed, age of the pet, etc. Comparing the average cost of medical bills for the pet and the premium paid to purchase pet insurance, it is only wiser to opt for the latter, as it is cost-effective.

    Can I insure my senior dog?

    Yes, many insurers allow coverage for senior dogs, though age limits vary. Premiums may be higher due to increased health risks. It’s best to buy a policy early to avoid exclusions related to pre-existing conditions.

    Are pre-existing conditions covered under pet dog insurance?

    Most pet insurance policies exclude pre-existing conditions from coverage. These include any illness or injury your dog had before the policy start date. However, some insurers may cover curable conditions after a waiting period.

    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 pet insurance policy?

    The cost of a pet insurance policy varries 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 claim on a pet insurance policy, submit a claim form along with veterinary invoices and medical records to your insurance provider. Some insurers may offer online claim submission as well; thus, you should always refer to your policy documents for the specific claim process.

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

    The number of claims you can raise on a pet insurance policy depends on the specific policy terms and coverage limits. Some policies allow multiple claims within the policy period, but some may have annual limits or per-incident limits. Check your policy documents for more details.

    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 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.

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    What Our Customers Say About Bajaj General Dog Insurance

    Easy, Affordable, and Reliable

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

    alt

    Sashank

    Pune

    5

    26th Jan 2025

    Simple Process

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

    alt

    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!

    alt

    Devansh Agarwal

    Pune

    5

    26th Jan 2025

    Quick Process

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

    alt

    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! 💙

    alt

    Rajiv Sinha

    Gujrat

    5

    26th Jan 2025

    Highly Recommend

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

    alt

    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!

    alt

    Dilip Kumar

    Pune

    5

    26th Jan 2025

    Great Coverage

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

    alt

    Sangeetha Ravi

    Rajasthan

    5

    25th Jan 2025