Your furry friends deserve the same protection as you: A lowdown on pet insurance

The adoption of pets in India skyrocketed during the COVID-19 pandemic, as people sought companionship during extended periods of isolation. According to a study, almost 6 in 10 Indians now have a pet. And with rising pet ownership, comes the responsibility to protect them and ensure their well-being. Pet insurance provides a solution by offering a safety net that covers the cost of medical treatment for your pets. Let's take a closer look at pet insurance policies, their features, and exclusions, to help you make an informed decision.

A promise of safety

Pet insurance offers a financial safety net to cover unexpected veterinary expenses. Similar to human health insurance, these policies cover the cost of medical treatment for pets in the event of injury or illness. This ensures that pet owners are able to provide the best possible care for their pets without having to worry about the high cost of treatment. In addition to medical expenses, pet insurance policies also cover other situations, such as pet theft and damage caused by pets to third parties. This comprehensive coverage ensures that pet parents are protected against a range of potential risks.

But don’t just take our word for it. We spoke to some pet parents who have opted for pet insurance and this is what they had to say:



Paw-some features

When choosing a pet insurance policy, it is important to carefully consider the various features and terms. These policies typically cover hospitalization expenses, surgeries, and critical illnesses, as well as providing coverage for OPD (Outpatient Department) visits. However, there is often a waiting period of 15-30 days before coverage begins, and pre-existing conditions are typically not covered. Some of the most common exclusions in pet insurance include:

• Any surgeries that are not necessitated because of illness or accident 
• Surgeries to cure deformities or congenital defects
• Surgeries done due to pregnancy or whelping
• Any surgery related to grooming
•  Any cosmetic or elective surgery which is not related to injury
• Any dental surgery not caused by an accident or injury

Protection plans

It's important to compare policies from different providers to find one that best meets your pet's needs and fits your budget. Here are some of our recommendations.