Pet Insurance in India

It's upsetting to see your pet falling sick or meeting with a mishap. If you do not have insurance coverage, you will have to pay from your pocket for the treatment. The annual cost of a pet health-related expense is on the higher side. While a insurance price that you will pay towards buying the plan will be a smarter deal.

A one-of-its-kind insurance policy that offers protection to the pet clumsy falls and not-so-good health days. Pet insurance ensures that the pet remains in the best of their health and keep the feline friend happy.

Choose Bajaj Allianz Pet Insurance and save yourself from any pet-astrophe from unexpected and expensive medical bills.

The best pet insurance plans are more of ‘purr’ and less of ‘ergh’. As we offer the best coverage for your pet, you can take care of your pet for years to come.

• Remain Financially Secure:

A pet health insurance protects the pet's parents in case their pet falls sick or faces any medical issue.

• Safeguard Your Savings:

The veterinary costs can take a toll on financial health. With a pet cover, your pet and saving remain secured. Do not buy a plan basis of cheap pet insurance quotes being offered.

• Access to Quality Healthcare:

Ensure your pet avails the best medical treatment and service whenever needed.

• Cover for Expensive Treatment:

There are times when your pet may also undergo any critical ailment. Prevention is better than cure. With a pet insurance remain worry-free for such expenses.

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

Note: Please note that as per the health of the pet, a higher entry/exit age under special conditions can be permitted. This may vary from insurer to insurer.

As pet parents, it's important to know what remains covered under pet insurance in India. Here’s a quick rundown of the coverage options that can be availed for pets as per the policy term opted:

Note: For more details, please refer to the product brochure. 

*Standard T&C apply

Note: For more information, please refer to the policy wording.

Remember, when compared to young cats an older cat is more prone to falling sick. So if you have a cat that is less than 12 years of age, you must buy pet insurance for older cats. As they age, they need more veterinarian care. Older cats are more prone to upper respiratory infections, urinary tract, etc. Buy insurance while the cats are young as most plans won't cover any pre-existing conditions

If you wish to avail best pet insurance, do not miss out on the documents listed below for your pet:

• A filled proposal form
• Video of pet walking along with color photographs from all angles
• Diagnostic test results, if required
• Description or details that uniquely identifies the pet 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

Pets in general are inquisitive and tend to eat things that they should not. Our pet insurance India takes care of the bills related to injuries or illnesses and offers a financial safety net for unplanned circumstances. There is a range of benefits that remains included in pet insurance India. Take a look below:

Surgery Expenses Cover:

Any treatment that is carried out by a veterinary or at their clinic or hospital due to an accident/illness occurring to the insured pet during the policy period.

OPD Cover:

The costs incurred for the treatment of a pet, carried out by a vet at their clinic, up to the amount of Rs. 30000 for the following illnesses:

• Any bodily injury to the insured pet arising out of accidents
• Anemia
• Colitis
• Eye-related problems except for glaucoma
• Hepatitis/Liver Dysfunction
• Peritonitis
• Pyometra
• Toxoplasmosis
• Urinary Tract Infections

Third-party Liability Cover:

If you become liable to pay for any bodily injury and/or property damage and/or sickness and/or death of a third party involving the insured pet. Also, a cover will be offered for the legal expenses incurred for defending the claims lodged against the policyholder.

Long-term Care Cover:

A lump sum amount will be paid if the pet is diagnosed as suffering from any of the Illnesses listed below that requires long-term care:

• Ascites
• Diabetes
• Jaundice
• Pancreatitis
• Thyroid dysfunction

Theft/Lost/Straying Cover:

In case of permanent loss as a result of the pet being lost/stolen or strayed, we offer a cover for the expense of advertising or a reward. The company will reimburse for advertising in a local newspaper or other approved expenditures up to a maximum of Rs. 1000. In case of a reward up to Rs. 5000 shall be reimbursed if the pet gets recovered.

Hospitlisation Cover:

A cover will be provided for any in-patient treatment for an illness or accidental injury to the insured pet, carried out in a veterinary hospital subject to the per-day limit.

Terminal Diseases:

If your pet is diagnosed as suffering from any of the terminal diseases listed below, which first occurs during the policy period. The pet needs to survive a minimum period of 30 days from the date of diagnosis.

• All types of cancer
• Chronic kidney failure
• Coagulation disorders
• Cardiac dysfunctions
• Feline distemper
• Leukemia

Mortality Benefit Cover:

The insured pet dies due to an illness, accident, or as a result of the vet putting an insured pet to sleep to alleviate its incurable and inhumane suffering. The benefit amount of Rs. 3000 for cremation, burial and disposal of the carcass is offered.

*Standard T&C apply

Note: For more information, please refer to the policy wording.

Remember, when compared to young pets an older pet is more prone to falling sick. So if you have a pet that is less than 12 years of age, you must buy pet insurance for older pets. As they age, they need more veterinarian care. Older pets are more prone to upper respiratory infections, urinary tract, etc. Buy insurance while the pets are young as most plans won't cover any pre-existing conditions. 

Know the exclusions so that there are no surprises when it comes time to process the pet health insurance claim. Under the below circumstances, the insurance company is not liable to pay any pet insurance India claim:

• Any claims for diseases for which preventive medicines/vaccines have not been taken
• Any claims for costs or fees for experimental procedures or alternate treatment
• Any loss or damage caused willfully or knowingly by the insured,
• Any consequential loss
• Any claims arising outside the territorial limits of India
• Any medication or treatment not recommended by the veterinary
• Any illness that the insured pet contracted while outside India that it would not normally have contracted in India
• Legal expenses, fines and penalties connected with, or resulting from, a criminal case
• Any claim for treatment of a third party as a result of the disease transmitted from animals to humans
• Malicious or willful injury or neglect, or gross negligence to an insured pet
• Any injury due to war, invasion, acts of foreign enemies, riot, strike, or terrorist activities

Note: This is not an exhaustive list. For a detailed list of exclusions, please refer to the policy wording.

Count on us to help, when it comes to reducing the stress of taking care of your pet. By following some easy-peasy steps, claim your pet health insurance policy with ease:

1. Contact customer support at 1800-202-5858 or send an email at bagichelp@bajajallianz.co.in
2. Customer support will ask for all relevant information and register the pet insurance claim of your pet.
3. Our efficient claims team will evaluate the pet claim and get in touch with the policyholder. The team may ask for further information or documents whenever required.
4. Meanwhile, the policyholder needs to fill out a claims form and attest the documents. The policyholder can also file the claim online on our website or using the Bajaj Allianz GIC mobile app.
5. Once the pet claim is thoroughly evaluated and if satisfied, an NEFT form will be shared with the policyholder.
6. The policyholder needs to fill out the form and send it back. Within business working days the claim payment is processed.

Now, you can make a quick, confident decision about your furry friend without stressing about the veterinary bills. Keep the documents enlisted below handy for a hassle-free pet claim experience:

• Completed pet insurance form
• Vaccination certificates
• Death certificate of the deceased pet with colored photographs
• Veterinary medical bills and hospital bills, as per the circumstance
• Diagnostics report if claiming under Terminal Diseases Cover, Long Term Care Cover and OPD Cover
• A copy of General Diary Entry lodged by Police when claiming under Theft/Lost/Straying Cover
• A copy of the advertisement when claiming under Theft/Lost/Straying Cover
• First Information Report and court orders (FIR) in case of a third-party liability claim

With Bajaj Allianz Pet Insurance, give your pet companion the care they deserve. From injuries and illness to preventive care, choose the insurance as per the pet's needs.

What are you waiting for, we know you love your pet, and it's time to include your ‘Furry’ friend in the circle of ‘Pur-tection’!