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Tell us a little about you and your pet, and we'll share the perfect coverage options for them.
At Universal Sompo General Insurance Co. Ltd., we understand your pet dog or cat is more than just an animal, they’re a beloved part of your family. Our comprehensive Pet Insurance is designed to support your pet’s health and happiness, covering everything from emergency hospitalization and chronic illnesses to OPD expenses.
With a combination of base and optional covers, you can customize the plan to suit your pet’s unique needs. Whether it’s routine care or unexpected medical costs, we’re here to ease the financial burden so you can focus on what truly matters – a lifetime of memories with your furry companion.
Safeguards against both medical (illness, hospitalization, surgery) and non-medical (loss, liability, funeral) risks.
Choose from base covers and add-ons to match your pet's needs.
Clear terms with no hidden surprises.
Supported by Universal Sompo's nationwide presence, extensive experience, and 24x7 assistance.
Any individual named in the schedule who owns a dog or cat and resides with them.
Any pet dog or cat owned by the individual named in the Policy Schedule, residing with the owner at the same address.
From ₹10,000 up to ₹2,00,000.
Available on Individual & Group basis.
Up to 3 years.
50 Kg.
Small, Medium, Large, Giant breeds.
From 3 months onwards.
Up to 10 years (breed specific).
Pet must be listed with photo or microchip, must live with the insured at the policy address, annual check-ups and vaccinations (rabies, distemper, hepatitis, adenovirus, leptospirosis, parainfluenza, coronavirus, parvovirus).
Provides a lump sum payment of the sum insured (up to the declared pet value) in case the insured pet dies due to an accident during the policy period.
Ending life due to aggression, intentional slaughter, age limits for older breeds.
Covers death arising from illness, payout as per the sum insured specified in your policy.
Illnesses where required vaccinations weren’t taken, kidney-failure deaths in older breeds (breed/age rules apply).
Reasonable and customary in-patient treatment in a veterinary hospital, minimum 24-hour admission.
Not payable if claimed under OPD, terminal diseases excluded.
In-patient treatment for defined illnesses
Cannot be taken together with Hospitalisation cover.
The Insured can either opt Hospitalisation Expenses or Specific Illness cover and not both.
Lump sum payout for conditions like cancer, kidney failure, coagulation disorders, cardiac dysfunctions, canine/feline distemper, leukaemia, leptospirosis.
Conditions outside the listed illnesses.
Covers surgeries due to accidents or illnesses, plus pre- and post-operative care (7 days prior, 15 days post). Includes fractures even without surgery.
Non-necessary/excluded surgeries.
Lump sum benefit for chronic illnesses (epilepsy, diabetes, thyroid dysfunction, pancreatitis, glaucoma, inflammatory bowel disease, etc.). Only once in a pet’s lifetime.
For Giant breeds >4 years and others >7 years unless renewed without break.
Outpatient treatments for common conditions like gastritis, conjunctivitis, respiratory infections, poisoning, colitis, ear/eye infections.
Cases needing 24+ hour hospitalisation, online/phone consults.
Emergency caesarean, complications like milk fever, haemorrhage, mastitis.
Planned procedures; fertility/AI; routine pre-natal tests; commercial breeding.
hospitalization for illnesses like Babesiosis, Anaplasmosis, Ehrlichiosis, Heartworm disease (up to 50% of sum insured).
Unlisted vector diseases.
For Dental illnesses like abscesses, gingivitis, periodontal disease (requires annual vet check-ups. Up to 25% of base Sum Insured).
Pre-existing dental issues, routine cleaning/chews/rinses, retained milk teeth/malocclusion, tartar removal.
Alternative therapies such as hydrotherapy, physiotherapy, acupuncture, herbal/homeopathy (linked to a covered illness/injury).
Stand-alone therapy when the base event isn’t covered.
Checkup can be availed post every 3 years completion.
Before meeting the renewal/no-claim condition.
Benefits like pharmacy support, daycare, vet-on-call, grooming, vaccinations (core recommended vaccines).
Anything beyond scheduled limits.
For cremation, burial, or carcass disposal after insured death.
If the underlying death claim isn’t admissible.
After 7 days - local ads/reward (with prior approval), after 90 days - pet value up to SI if not found (police intimation required).
Rewards to family/carers/colluders, ads without prior approval, claims after 91 days.
Protection if your pet causes injury, illness, death, or property damage to a third party. Includes Legal Expenses.
When liability isn’t established, deliberate acts, prohibited-area incidents (except escape), claims from family or pet professionals at work.
Daily allowance for boarding/caretaker if you/family are hospitalised >4 continuous days (or in case of death). Capped at ₹1,000/day for max 7 days.
Cases not meeting the hospitalisation condition.
Loss/damage to registered electronic tag (depreciation applies).
Your own-fault damage, manufacturing/warranty failures.
Refund if a Kennel-Club-registered pet can’t attend due to covered accident/illness. Capped at 2.5% of Sum Insured.
Non-medical/unlisted reasons.
Ambulance to/from or between veterinary hospitals (hospital/registered provider, bills required). Up to ₹2,000 per trip.
Non-registered transport or without bills.
30 days from policy start, unless otherwise specified.
48 months
Intimate within 24 hours via 1800-22-4030 / 1800-200-4030
Consult a qualified veterinary doctor immediately
Claim form, vaccination certificates, vet reports, bills, photos, police entry (if theft), and other required papers.
Claims assessed within 30 days of final submission
Approved claims paid in Indian Rupees
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