Bajaj Allianz
Pet Dog Insurance
₹4,320/yr · ₹50K + ₹1L liability
- Includes 8 pre-existing breeds
- No medical for puppies under 1 yr
- 4-week waiting only
Pet insurance
Vet bills shouldn't become a family emergency.
₹50K medical + ₹1 L third-party liability from ₹360/mo. Cashless at 460+ vet clinics across 16 cities. We compare the four IRDAI-cleared pet insurers — Bajaj, Future Generali, New India, Digit — clause-by-clause.
460+
Cashless vet clinics
4
IRDAI-cleared insurers
48 hr
Accident waiting only
What it covers
Pick the sections you actually need.
Most plans bundle the first three. Wellness and lost-and-found are usually optional add-ons.
OPD + diagnostics
Consultation, lab tests, X-rays, dental cleanings.
Routine vet visits
from ₹89/mo
Most claimed
IPD + surgery
Cruciate ligament, gastric foreign-body, oncology.
Big-ticket cover · most claimed
from ₹178/mo
Third-party
If your pet bites or damages someone's property.
Required for high-rise societies
from ₹49/mo
Lost & found
Theft + advertising + reward reimbursement up to ₹25K.
Outdoor pets / breed-targeted theft
from ₹39/mo
Wellness add-on
Vaccines, neutering, deworming, dental scaling.
Predictable annual spend
from ₹65/mo
Top picks
Featured pet plans.
Three standout plans for an adult Indie dog · Bengaluru · ₹50K cover. Prices recompute live when you run a quote.
Most bought
Future Generali
Pet & Pals
₹5,180/yr · ₹75K + ₹1L liability
- Cruciate-ligament covered
- Lost-and-found ₹25K
- OPD reimbursable
Digit
Pet Health
₹6,800/yr · ₹1 L OPD + IPD
- No breed exclusion
- Cashless at 460+ vet clinics
- Telemedicine consults
Common breeds we cover
Indie + 9 most-insured breeds. Full breed list (~80 entries) appears during quote — exotic / restricted breeds may attract loadings.
- Indie / Indian Pariah
- Labrador
- Golden Retriever
- Pug
- Beagle
- German Shepherd
- Persian
- British Shorthair
- Bombay (cat)
- Domestic Indian Cat
Common questions.
Which pets are covered?
Indian-bred dogs and cats from age 2 months to 9 years are eligible across the four current pet insurers. Exotic pets (birds, reptiles, fish) aren't covered yet — IRDAI hasn't cleared products for them.
Will pre-existing conditions get cover?
No — same as human health insurance, anything diagnosed before purchase is excluded. We flag any breed-specific congenital conditions during quote so you don't expect them to be covered.
Is there a waiting period?
Typically 30 days for illness, 48 hours for accidents. Bajaj Allianz waives the 30-day window for puppies under 1 year.
How does cashless work at the vet?
Only Digit and Future Generali have a vet-network cashless model. Others reimburse — pay first, claim within 30 days with the vet's itemised bill + prescription.
Can I cancel?
Yes — IRDAI's 15-day free-look applies. Beyond that, mid-term cancellation gets a pro-rated refund minus a small administrative deduction.
Plan ahead so the next vet visit isn't scary.
90 seconds of questions, 4 insurers compared, prices straight from the source. No spam calls.
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