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Before you sign up for a pet insurance plan, it’s essential to know exactly what’s included — and what isn’t. Like any insurance, pet insurance policies in India come with coverage inclusions and exclusions.
This blog explains what you can expect from pet insurance coverage in India, so you make an informed, confident decision.
Most standard pet insurance plans in India cover:
1. Accidental Injuries: Broken bones, wounds, road accidents, or bite injuries are typically covered.
2. Illnesses & Infections: BFever, parvovirus, skin infections, tick-borne diseases, digestive issues, etc., are included after the waiting period.
3. Surgeries & Hospitalization: Orthopedic surgeries, tumor removal, wound closures, and ICU stays fall under covered procedures.
4. OPD Treatment (Add-On): Covers vet consultations, diagnostics, X-rays, and minor outpatient procedures.
5. Terminal Illness Cover: Some plans include special benefits for terminal diseases like cancer or kidney failure.
6. Long-Term Care Add-On: For chronic illnesses that need regular treatments like arthritis, diabetes, or skin allergies.
7. Mortality Benefit: BProvides a lump sum in case of pet death due to accident or critical illness.
8. Theft or Lost Pet (Add-On): Some insurers offer coverage if your pet is stolen or goes missing for over 45 days.
9. Third-Party Liability: In case your pet injures someone or causes damage, the insurer covers compensation and legal fees.
Here’s what pet insurance in India typically does not cover:
1. Pre-existing Conditions: Illnesses or injuries that existed before buying the policy.
2. Cosmetic or Elective Surgeries: Ear cropping, tail docking, or any non-medical procedures are excluded.
3. Grooming & Beauty Care: Bathing, nail clipping, hair trimming, etc., are not covered.
4. Dental Procedures: Unless caused by an accident or injury.
5. Pregnancy, Breeding & Birth: Mating, delivery, or fertility treatments are not included.
6. Experimental Treatments: nproven, alternative or experimental therapies unless pre-approved.
7. Abuse, Neglect or Negligence: Injuries caused due to mistreatment or abandonment are rejected.
8. Unlicensed Clinics or Vets: STreatment at unauthorized or unlicensed facilities may not be reimbursed.
9. Age Beyond Limit: If the pet crosses the age of eligibility (e.g., 10+ years for some breeds), renewals may be denied.
Always read the policy brochure and schedule of benefits. Look for:
✅ Tip: Ask for clarification from your insurance advisor or platform like PetInsurance.life before you finalize the plan.
Every pet insurance policy has its own scope. The key is to understand what’s covered and what’s not, so there are no surprises when you need to file a claim.
🛡️ At PetInsurance.life, we help you compare and choose transparent policies that offer true protection — not just fine print.
