Do You Know You Can Insure Your Pet Dogs? Here’s Your Complete Guide to Pet Dog Insurance in India

A pet dog can turn a four brick walls into something you can call ‘a home’. It offers you companionship, safeguards your house from intruders, plays with you and your family members, and is generally considered a part of the family. While you may go to sleep, it is your dog that stays alert and makes you aware of any dangers and risks that threaten your house. However, there are many dangers and risks that the dog may be susceptible to, as well, such as diseases, theft, accidents, injuries, and so on. Taking care of your dog and protecting it during such situations is your responsibility as the owner. One smart way to ensure this is to opt for a pet insurance plan.

How does pet dog insurance work?

Pet insurance plans work like any other insurance policy. Here, the pet is the insured subject. The owner of the pet dog is usually the policyholder. They pay the premium regularly so that their pet receives continuous coverage. If the dog suffers an unfortunate circumstance that is covered by the policy, the owner can raise a claim for the same and they will receive the due compensation.

Note that different kinds of policies cover different kinds of pets. Since dogs are the most common pets, you are more likely to find dog-specific pet policies. If you have a cat, you can also opt for pet insurance for cats.

What does pet insurance cover?

Some of these coverage aspects may be a part of the default coverage, while others may be optional covers.

  • Hospitalisation and surgery coverage 

If your dog is hospitalised due to an illness covered under the policy, you can raise a claim and receive daily compensation for a certain number of days. Most policies also provide pre- and post-hospitalisation coverage so you can provide your furry companion with a safe recovery.

Similarly, if an illness or accident causes the dog to undergo surgery, the pet cover becomes active and provides you with financial help to a great extent.

  • Demise of the pet

If your dog passes away due to an illness, accident, breeding, or other covered situations, then you can receive a financial amount as prescribed in the policy. While this amount cannot bring back your beloved pet, it can help you deal with the loss you may have suffered financially.

  • Critical and long-term illnesses coverage 

Unfortunately, critical illnesses are as common amongst dogs as they are among humans. The critical illnesses coverage aspect of pet insurance for dogs allows you to provide your dog with the best care when they get diagnosed with a covered illness. Cancer, distemper, leptospirosis, etc. are some commonly covered illnesses.

Similarly, a lump-sum compensation is provided if the dog is diagnosed with an illness that requires long-term care.

  • Third-party liability cover 

Sometimes, dogs can cause mishaps and accidents in their playfulness. If this occurs with a third party, you may be liable to pay for the damages as the owner of the pet. Your dog insurance plan can help you in this regard as well by taking care of third-party liabilities.

Insurance companies these days are cognizant of the fact that pets are immensely valuable to their owners, emotionally as well as financially. People go to great lengths to ensure they have the best breeds and that they have a safe space to live in. Buying pet dog insurance is another step in your aim to provide a healthy life for your beloved four-legged companion.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.