How to File a Pet Insurance Claim in India: Step-by-Step with Tips

Pet insurance is gaining traction in India, and rightly so. It offers peace of mind when medical emergencies strike. But when it's time to file a claim, many pet parents find themselves unsure about the process.

That’s why we’ve broken down the pet insurance claim process in India into simple steps, with expert tips to make sure you get your reimbursement fast.

Step-by-Step Claim Process

Step 1: Know Your Coverage

Before filing a claim, always review your policy to check:

What treatments and conditions are covered
Waiting periods
Co-payment or deductibles

✅ Tip: Maintain a printed or digital copy of your policy at all times.

Step 2: Inform the Insurer Promptly

Most insurers require intimation within 24 hours of hospitalization or an accident.

Call the helpline or use the insurer’s online portal/app.
Get a claim reference number.

💡 Why insure? Chronic conditions require lifelong vet care and medication.

Step 3: Visit a Registered Vet or Clinic

Choose a licensed vet or animal hospital. You don’t necessarily need to visit a "network clinic" unless your policy specifies one.

✅ Tip: Keep a record of your pet's vet history for smoother documentation.

Step 4: Collect All Required Documents

To file a claim, prepare the following:

Claim Form (filled & signed)
Original bills/invoices for treatment
Vet's prescription
Lab/diagnostic reports
Photos of the pet before and after treatment (in some cases)
Discharge summary (if hospitalized)
Copy of the insurance policy
Pet’s vaccination and health records

✅ Tip: Scan or click clear pictures of all documents for online submission.

Step 5: Submit the Claim

Most insurers in India allow digital submission via:

Email
Web portal
Mobile app

After submission, you’ll receive a confirmation with a claim number.

✅ Tip: Avoid sending originals unless asked. Maintain a digital copy always.

Step 6: Claim Review & Settlement

Once submitted:

Claims are reviewed by underwriting and medical teams.
If approved, reimbursement is made directly to your bank via NEFT.
TAT: Typically 5 to 15 working days

✅ Tip: Follow up politely after 5 working days with your reference number.

Common Mistakes to Avoid

Missing the claim window (intimation after 24–48 hours)
Submitting handwritten or unclear bills
TIgnoring pre-authorization for major surgeries
Providing incomplete documentation

Final Thoughts

Filing a pet insurance claim in India is simpler than ever — if you’re prepared. At PetInsurance.life, we aim to make the process quick, digital, and stress-free. From claim assistance to coverage guidance, we’re here for you and your furry family members.