My Petos

Why Pet Insurance?

Because Pets Are Family - and They Deserve the Best Care 🐾

🏥 Veterinary Costs Are Rising

The average vet bill in India ranges between ₹3,000 to ₹25,000 per visit.
Major surgeries or chronic treatments can cost ₹50,000 to ₹2 lakhs or more.
Pet healthcare inflation is increasing by 10–15% annually.

📈 Pet Ownership in India Is Booming

India is home to over 32 million pets, growing by 20% YoY.
Less than 1% of pets are currently insured – a huge protection gap.
60% of urban pet parents struggle with unexpected medical expenses.

💡 Why You Should Insure Your Pet

Covers hospitalization, surgeries, diagnostics, and OPD.
Helps manage emergency care without financial stress.
Peace of mind: never choose between cost and care.
Cashless claim options launching soon.
Covers third-party liability, theft/loss, and death.

❤️ Petos Makes It Easy

Instant policy purchase with almost zero paperwork.
10% cashback at partner clinics via Petos Wallet.
Affordable premiums tailored for Indian pet care needs.
Dedicated Claim Help Desk for fast support.

What Are The Coverage Options Available?

Section	Short Term	Long Term
Surgery Expenses Cover	Yes	Yes
Hospitalisation Cover	Yes	Yes
Mortality Benefit Cover	Yes	Yes
Terminal Diseases Cover	No	Yes
Long Term Care Cover	No	Yes
OPD Cover	Yes	Yes
Third Party Liability Cover	Yes	Yes
Theft/Lost/Straying Cover	Yes	Yes

Pet Related Coverages

			DOG				CAT
Includes		Nature of Cover	Sum Insured	Premium	Sum Insured	Premium	Sum Insured	Premium
Surgery Expenses	Surgery, Pre- Surgery and Post- Surgery expenses	Indemnity	20000	328	100000	615	50000	962
Surgery Expenses	Fracture Care	Indemnity	2000	49	5000	62	3000	55
Hospitalisation	Hospitalisation	Indemnity	10000	111	50000	144	20000	153
Mortality Benefit	Death due to illness, accident, Euthanasia (with vet approval)	Benefit	20000	852	20000	852	20000	1418
Mortality Benefit	Cremation, burial and disposal of the carcass	Benefit	3000	852	3000	852	3000	1418
Terminal Diseases	If pet is diagnosed with specified terminal diseases	Benefit	20000	444	50000	1111	20000	740
Long Term Care	If pet is diagnosed with specified diseases requiring long term care	Benefit	20000	1027	50000	2567	20000	822
OPD	For treatment of specific illnesses by vet	Indemnity	30000	1180	30000	1180	30000	1180
Third Party Liability	Legal liability due to bodily injury, death or property damage of third party by pet	Indemnity	300000	462	1000000	1231	300000	231
Third Party Liability	Legal liability for defending a third party claim	Indemnity	300000	462	1000000	1231	300000	231
Theft/Lost /Straying	If pet is lost/stolen/strayed and no recovery for 45 days	Benefit	20000	485	20000	485	20000	582
Theft/Lost /Straying	Advertisement or other expenses for recovery of pet	Benefit	1000	485	1000	485	1000	582
				4937		8246		6140

Eligibility Criteria

Coverage can be given to domesticated Dogs and Cats which are at least 90 days of age old and belonging to below mentioned breeds.

1. Breeds Covered

Pets of Indigenous Origin, Cross-breed and Exotic breeds are covered under the Policy

2. Age Group

Pet Type	Breed Type	*Entry Age	*Exit Age
Dogs	Small	3 Months – 7 Years	10 Years
	Medium
	Large
	Giant	3 Months – 4 Years	6 Years
Cats	All Breeds	3 Months – 7 Years	12 Years

* Insurer at its own discretion, wherever it can be established to full satisfaction of the Company regarding good health of the pet may also permit a higher entry and/or exit age other than as specified above, subject to additional special conditions specified in the Policy Schedule/ Certificate of Insurance

3. Pet Identification Options

Photographs/ Videos
Tagging (digital/non digital etc.)
Description/details which can exactly and uniquely identify the pet proposed to be insured
Any other method prescribed/accepted by the Company from time to time

📋 List of Documents Required

At the Time of Policy Issuance

Duly filled Proposal Form
Video of the pet walking and color photos from all sides
(With newspaper of Proposal date in same frame or through Insurance Wallet)
Color photo of RFID tag with the Identification Number clearly visible
(Where identification is done on basis of photographs/videos)
Diagnostic test results if customer opts for PID cover effective from succeeding day
Description/details uniquely identifying the pet proposed to be insured
Self-declaration on vaccinations conducted on time & declaration for insurable interest
Purchase proof
(Required if Sum Insured above max price per pricing matrix is selected)
Pedigree certificate
(If customer selects pet of pedigree lineage)

Note: Based on the type of pet covered, the Company at its discretion may relax certain documentation requirements.

At the Time of Claim

Duly completed claim form
Vaccination Certificates
Death Certificate along with colored photographs of the deceased pet
(in case of claim under Mortality Benefit Cover)
Vet Medical Papers and Bill
(in case of claims under Surgery Expenses & Hospitalisation Cover, Mortality Benefit Cover, Long Term Care Cover and OPD Cover)
Copy of General Diary Entry lodged by Police
(in case of claim under Theft/Lost/Straying Cover)
FIR (in case of claim under Third Party Liability Cover)
Copy of advertisement
(in case of claim under Theft/Lost/Straying Cover)
Hospital bill (in case of claim under Hospitalization)
Court Orders (in case of claim under Third Party Liability Cover)
Diagnostics Report (in case of claim under Terminal Diseases Cover, Long Term Care Cover and OPD Cover)
Any other documents if required by the Company to process the claim

PET INSURANCE POLICY