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Dogs · Cats · Accident & illness · Third-party

Pet Insurance that keeps your best friend healthy — without the big vet bills.

Vet care for an accident or a serious illness can run into tens of thousands of rupees. Pet insurance covers your dog's or cat's treatment, surgery and hospitalisation — and even your liability if they injure someone — so cost never forces a hard choice about their care. We help you pick the right plan for your pet.

Illustration of a veterinary visit — pet insurance
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The basics

What is pet insurance?

Pet insurance is a policy for your dog or cat that pays towards their veterinary treatment — accident, illness, surgery and hospitalisation — up to a chosen limit. Many plans also cover your third-party liability and options like theft or loss, so a medical emergency doesn't become a financial one.

What's typically covered

  • Accident & illness treatment
  • Surgery & hospitalisation
  • Consultations / OPD (on selected plans)
  • Third-party liability (if your pet injures someone)
  • Theft, loss or straying
  • Mortality / death benefit

Good to know

  • Waiting periods apply (short for accidents, longer for illness)
  • Pre-existing conditions are excluded
  • Age limits apply at entry (varies by insurer)
  • Breeding, elective or cosmetic procedures excluded
  • Vaccination records / microchip may be required

Exact terms are governed by the insurer's policy wording — we help you understand them before you buy.

Your options

Cover that fits your pet

Accident-Only

The most affordable cover — treatment for injuries from accidents.

Accident + Illness

Comprehensive cover for both injuries and illness — where the big bills usually come from.

Surgery & Hospitalisation

Focused cover for the costly events — operations and in-patient care.

Third-Party Liability

Covers you if your pet injures a person or damages property.

Theft, Loss & Straying

Helps if your pet is stolen, lost or strays away.

Mortality Benefit

A benefit to your family in the unfortunate event of your pet's death.

Know before you buy

How to choose the right pet cover

Our offering

Why insure your pet through InsureDost

We help you protect your pet's health and your wallet — with honest advice on what's covered.

  • Right cover for your pet. We match the plan to your pet's breed, age and needs.
  • Best value. We compare insurers for the cover and price that fit.
  • Claims help. We help you file the vet bills and get reimbursed.
  • Honest on exclusions. We tell you what's not covered before you buy — no surprises.
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Accident & illnessTreatment & hospitalisation
SurgeryThe costly events, covered
Third-partyIf your pet causes injury
Theft & lossStolen, lost or strayed
FAQs

Pet insurance questions

What does pet insurance cover?

Your pet's treatment for accidents and illness — surgery, hospitalisation and consultations — plus options like third-party liability, theft or straying, and a mortality benefit.

Which pets can be insured?

Primarily dogs and cats in India, within certain breed and age bands that vary by insurer. We'll find a plan that fits your pet.

Are pre-existing conditions covered?

No — as with human health insurance, pre-existing conditions are excluded. Insuring your pet while young and healthy gives the widest cover.

Is there a waiting period?

Yes — usually a short waiting period for accidents and a longer one for illness. We explain the exact periods before you buy.

Is pet insurance worth it?

A single surgery can cost tens of thousands of rupees. For a modest annual premium, pet insurance means cost never forces a hard decision about your pet's care.

Give your pet the care they deserve

Tell us about your dog or cat and we'll recommend the right cover at the best price.

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