Best Pet Insurance in India 2025: Bajaj Allianz vs Future Generali vs Vetina
Pet insurance is finally taking off in India. Compare plans for dogs and cats from Bajaj Allianz, Future Generali, New India Assurance, and pet-specific platforms.
Why Pet Insurance Matters in 2025
Vet costs in metros have doubled since 2020. A TPLO knee surgery for a Labrador costs ₹50,000-1.2 lakh. Cancer treatment can run into ₹2-3 lakh. With 3+ crore pets in Indian homes, pet insurance is finally getting traction.
Top Pet Insurance Plans 2025
| Plan | Annual Premium | Sum Insured | Covers |
|---|---|---|---|
| Bajaj Allianz Pet Dog Insurance | ₹315-3,000 | ₹15K-₹1.5L | Surgery, accident, mortality, theft |
| Future Generali Pet Insurance | ₹500-3,500 | ₹20K-₹2L | Hospitalization, surgery, third-party liability |
| New India Assurance Pet Dog Policy | ₹400-2,500 | ₹15K-₹1L | Death, accident, illness |
| Oriental Insurance Pet Dog | ₹350-2,000 | ₹15K-₹50K | Mortality, surgery |
| Pawtect (via partners) | ₹2,000-7,000 | ₹50K-₹3L | Premium plans, OPD, vaccines |
Bajaj Allianz Pet Dog Insurance — Most Popular
Best in class with 3rd party liability cover (pays if your dog bites someone). Optional add-ons: long-distance transportation, advertisement cost (for missing dog), terminal disease cover. Available for dogs aged 3 months to 8 years.
Future Generali — Best Coverage
Up to ₹2 lakh sum insured. Covers hospitalization, surgery, daycare procedures. Vaccination must be up-to-date for claims. Also covers cats (most insurers cover dogs only).
New India Assurance — PSU Trust
Government-backed insurer. Affordable but limited coverage. Mortality and accident-only plans available. Best for first-time buyers wanting basic protection.
Pawtect — Pet-Specific Premium
Pet-only insurance startup. Higher premiums but covers OPD visits, vaccinations, deworming. Wellness plans available alongside health insurance.
What's Typically Covered
- Surgery and hospitalization
- Accidental injury
- Illness (after waiting period of 30-90 days)
- Third-party liability (dog bite, property damage)
- Death due to disease/accident (mortality cover)
- Theft of purebred (with FIR)
What's Not Covered
- Pre-existing conditions
- Pregnancy/whelping (usually)
- Cosmetic surgery
- Cost of feeding/grooming
- Dogs older than 8 years (most plans)
- Vaccinations (unless OPD add-on)
Tips
- Insure when pup is young (3-12 months) to lock low premiums.
- Pedigree certificate may be needed for purebred.
- Health certificate from vet at policy start (for older pets).
- Most plans have waiting period of 30-90 days for illness.
- Microchipping is mandatory for some insurers.
Frequently asked questions
Is pet insurance worth it in India?
Yes if your pet is a purebred or you can't afford ₹1-2 lakh emergency vet bills. Premium of ₹2-5K/year is small protection.
What pets can be insured in India?
Mostly dogs. A few insurers (Future Generali, Pawtect) cover cats. Exotic pets and birds typically not covered.
What's the maximum pet insurance cover?
Up to ₹3 lakh via Pawtect plans. Mainstream insurers like Bajaj Allianz cap at ₹1.5 lakh.
Are vaccinations covered?
Not in standard plans. OPD add-ons or wellness plans (Pawtect) cover vaccines, deworming, and preventive care.