"When Bella swallowed a sock, the surgery was ₹40,000..."
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Just like humans, pets need insurance. It helps you cover unexpected expenses for your furry friend. No matter how healthy and active your pet may look, it may face some serious unforeseen events. At Premium Doggies, we help you choose the best pet insurance plan in India based on your needs.
Get Your Custom QuoteFill out and our team will reach you within 30 mins
Digital-first process gets your pet covered in minutes.
We settle bills directly with your clinic.
No hidden terms or complex jargon.
Renew your policy at any age.
8 independent plans · choose any combination · dogs & cats
Pays your pet's operation costs due to illness or accident. Also covers fractures & expenses 7 days before and 15 days after surgery.
Covers in-patient stay at a vet hospital. You get both a yearly limit and a daily limit. Min 24-hour stay required.
Pays a lump sum if your pet passes away due to illness or accident. Includes ₹3,000 cremation & burial cost on top.
Lump sum if pet is diagnosed with a serious terminal illness (cancer, kidney failure, cardiac issues, distemper, leukaemia) and survives 30 days.
Lump sum for chronic conditions needing ongoing care — diabetes, epilepsy, thyroid, paralysis, pancreatitis, Cushing's syndrome & more.
Covers regular vet clinic visits for listed illnesses — pneumonia, hepatitis, parvo virus, eye problems, accidents & more. No hospitalisation needed.
If your pet injures a person or damages someone's property, this covers their compensation and your legal fees.
If your pet goes missing and is not found after 45 days, you receive a lump sum. Advertising and finder's reward also reimbursed.
Choose what matters to your pet. No mandatory base plans.
Surgery Expenses (Limit: Rs 10,000 to Rs 3,00,000): Covers surgical costs for illness or accident treated by a licensed vet. Includes fractures not requiring surgery (sub-limit applies). Pre-surgery expenses for 7 days before, and post-surgery expenses for 15 days after are covered if the surgery claim is admitted.
Hospitalisation Cover (Limit: Variable limits with Co-pay options): Covers in-patient treatment at a veterinary hospital. A minimum 24-hour stay is required. Both an aggregate annual limit and a per-day limit apply.
Mortality Benefit (Limit: Rs 5,000 to Rs 50,000): Pays the sum insured if the pet dies due to illness, accident, or euthanasia to relieve incurable suffering. An additional Rs 3,000 cremation/burial benefit is paid over and above the mortality sum insured.
Terminal Diseases Cover (Limit: Rs 5,000 to Rs 50,000): Pays a lump sum if the pet is diagnosed with a listed terminal disease (e.g. cancers, chronic kidney failure, distemper) and survives at least 30 days from diagnosis.
Long-Term Care Cover (Limit: Rs 5,000 to Rs 50,000): Pays a lump sum when the pet is diagnosed with a listed long-term illness requiring ongoing care (e.g. epilepsy, pancreatitis, diabetes, thyroid dysfunction).
OPD Cover (Limit: Up to Rs 30,000 per year): Covers out-patient treatment at a vet clinic for listed illnesses including meningitis, pneumonia, peritonitis, parvo virus, and accidental injuries.
Third Party Liability (Limit: Rs 10,000 to Rs 15,00,000): Covers legal liability to a third party for bodily injury, property damage, sickness, or death caused by the insured pet. Legal defense costs are also covered within the sum insured.
Theft / Lost / Straying Cover (Limit: Lump Sum + Rs 6,000 Extras): Pays a lump sum if the pet is permanently lost or stolen and not recovered after 45 days. Reimburses advertising costs up to Rs 1,000 and a finder's reward up to Rs 5,000.
Dogs and cats can enter from 3 months (90 days).
Up to 10 years for small/medium/large dogs, 12 years for cats, and 6 years for giant dog breeds.
Short-term (under 1 year), 1 year, or long-term up to 3 years.
Fresh policies for pets over 4 years require medical tests within the last 7 days, or an initial 3-month waiting period for sickness is imposed.
5% discount for RFID tagging. 5% discount for providing a fitness/medical report for pets over 4 years.
A no-claim bonus of 10% per claim-free year, compounding up to a maximum of 50%, applies to Sections 1, 5, and 6 on yearly or long-term policies.
A 20-day waiting period applies from policy inception for most illnesses (Sections 1, 2, 3, 4, 5, 6, 8).
There is no waiting period for Accidental Injuries and Third Party Liability (Section 7).
Call +91 9168364651 or email premiumdoggies1008@gmail.com within 24 hours of the event.
The local claims team evaluates and contacts you. Submit claim form, vaccination certificates, vet medical papers/bills, diagnostic reports, and photos if required.
The claim is referred to the dedicated pet underwriting team at the head office for final assessment.
Payment is made directly via NEFT once approved. Disputes over quantum are referred to an arbitrator within 30 days.
No treatment delay due to budget issues
Access to quality vet care across India
Financial security during emergencies
Protect your dog in four simple steps.
Hover over the circles
Select plan & dog details.
Go to any licensed veterinary office.
Take a photo with the app.
Direct bank deposits.
"When Bella swallowed a sock, the surgery was ₹40,000..."
Read MoreUnexpected vet bills can be stressful. Let our experts guide you.
Any health problem prior to your dog's arrival at our practice. These are not normally covered so it is best to join them while they're young and healthy!
Yes, there is a 15-day waiting period for accidents and 30-day period for illnesses to avoid fraudulent claims.
Absolutely! One can go to any veterinarian in India who is licensed. In case they're in our network, we pay them directly. Otherwise, we will be able to compensate you.
Specialised health cover for Dogs, Cats, Birds and Small Pets (Rabbit, Hamster etc.).
It is simple! Simply take a picture of your vet's bill and medical notes on our app. Claims are handled within 24 hours, in most cases.