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3.7 Cr+
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24 Years
of Serving India
At HDFC ERGO, We ❤️ Pets
Tailored for Every Breed
From purrs to tail wags, we cover every breed of cat and dog with plans tailored for all.
All-round Protection
Covers accidents, illness, and emergencies with seamless claim support.
Audio & Video Vet Consults
Get expert medical advice from home—via phone or video, anytime.
Cover up to 5 Pets for Individual Owners & 10 Pets for Commercial Breeders
Insure multiple pets under one policy with simplified management.
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✨Pawsome Protection
Types of Pet Insurance Plans
Comprehensive Plan
With a focus on your pet's well-being your beloved pet receives the best care without financial stress
What’s Included
Illnesses, injuries, surgeries covered
Diagnostic tests and medications
OPD expenses
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Make Your Own Plan
Build the perfect plan to match your pet's lifestyle, health requirements and your budget
What’s Included
Customize coverage based on your pet’s needs
Select specific benefits that matter most
Adjust to fit your budget
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Third Party Liability
Your pet might unintentionally cause harm or damage to others, be a responsible pet parent
What’s Included
Covers legal liabilities for pet-caused injuries/damage
Protection against property damage claims
Includes legal cost coverage
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🐾 Types of Pets
Which Pets are Covered?
For Canines 🐕
Comprehensive Protection for Every Dog
Paws n Claws Dog Insurance keeps your furry friend safe, healthy, and happy. From surgeries to special treatments, our plans cover what your dog needs so that you can enjoy the tail wags and not worry about the bills.
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For Felines 🐈
Tailored Care for Every Cat
Paws n Claws Cat Insurance is made to suit your cat’s needs. From regular medical treatments and surgeries to special treatments, we’ve got it covered—so your cat stays happy, healthy, and safe.
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Know Your Coverage
What’s covered?
What’s not covered?
🤒 Illness
Our policy covers both major and minor illnesses, ensuring your pet's well-being by addressing a variety of health concerns diagnosed by veterinary professionals.
🤕 Injury
Protect your pet from unexpected accidents and bites by covering the costs associated with injuries caused by other animals or accidental incidents.
🧑⚕️ Surgery
If your pet requires surgery, our policy covers a comprehensive list of surgeries, providing financial assistance for necessary medical procedures.
💉 Treatment Expenses
Covers diagnostics, injections, OPD, and emergency procedures—everything your pet needs for complete medical care.
✈️ Trip Cancellation Cover
Covers non-refundable travel and stay costs if you need to cancel or reschedule plans due to your pet’s covered medical emergency. Applicable for domestic travel only.
⚰️ Funeral Expenses
If your pet passes away during the policy period due to an incident covered under your chosen plan, we will pay the funeral expenses up to the limit mentioned in your policy document.
📞 Veterinary Consultation
This coverage includes four vet-on-call and two video call services per policy.
⚖️ Third-Party Liability
The coverage includes expenses incurred by the pet owner for legal claims or lawsuits for bodily injury or property damage caused by the pet.
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🤕 Pre-existing disease
Claims related to the treatment of pre-existing diseases and their complications are not covered.
🌿 Homeopathic or herbal medication
The policy excludes claims associated with homeopathic or herbal medication.
🏥 Preventive treatment
Coverage does not extend to routine preventive treatments such as vaccinations, castration, bathing, grooming, nail clipping, dental scaling, etc.
💅 Cosmetic treatment
Treatment for cosmetic or psychological reasons is not covered unless medically required to restore functionality.
💳 Pregnancy-related expenses
Expenses related to pregnancy, complications, termination, birth, or puppy rearing are excluded.
🩺 Routine check-up
This policy does not cover Vet Visit Fees for routine check-ups, diagnostics, or vaccinations.
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Frequently Asked Questions
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Policy
Claims
Renew
Is Vaccination Covered?
No. Routine vaccinations are explicitly excluded from coverage. The policy does not reimburse vaccination costs or routine preventive care such as castration, bathing, nail clipping, or grooming.
Are tele-consultations available?
Yes. The policy includes 2 video and 4 audio vet consultations annually via partner vets (Petofy) as a value-added service.
Is third-party liability covered?
Optional Third-Party Liability Cover is available, with indemnity limits ranging from ₹1 lakh to ₹1 crore, and no co-pay applies.
Are trips and funerals covered?
Yes—trip cancellation cover (domestic trips only) and funeral expense reimbursement (10% of base sum insured) are available as optional benefits.
What Does Pet Insurance Typically Cover?
Pet insurance provides financial coverage for veterinary expenses related to illness, injury, or accidents involving your pet. It helps offset the cost of medical treatment, ensuring that your pet receives the care they need without financial strain.
What are the entry and renewal age limits?
Entry age is between 6 months and 5 years, and renewal is permitted up to 7 years of age.
Is there a waiting period before the policy becomes active?
Yes, there is a 30 days waiting period, before we protect your furry friend.
What plan types are offered?
You may choose between a Comprehensive (All‑Risk) plan or a Customizable “Make Your Own Plan” that allows selecting injury, illness, or surgery covers separately.
How do I initiate a claim?
Notify HDFC ERGO within 24 hours (mortality/major illness) or 72 hours (other treatments). Submit the claim via app or email along with vet reports and bills.
Is cashless treatment available?
Cashless claims are supported at empaneled partner hospitals under the comprehensive plan.
What documents are needed for reimbursement claims?
Required documents include claim form, vet prescription, diagnostics, invoices, injury photos/videos, and details (e.g. FIR in liability cases).
What’s the typical claim settlement timeline?
Claims are generally settled within 7 working days of receipt of full documentation, if admissible.
Can I upgrade or change coverage at renewal?
Yes, customers can upgrade to a comprehensive plan or opt for additional covers (e.g. OPD, liability, tele-consults) at renewal.
Is there a grace period after expiration?
A grace period is available for late renewal, but no claims are admissible during this period.
Do pre-existing conditions affect renewal?
Yes. Pre-existing illnesses or injuries are excluded, even at renewal, unless declared and accepted by HDFC ERGO at policy inception.
Will I lose coverage if I forget to renew on time?
Yes. If you fail to renew the policy within the grace period, coverage will lapse, and you may need to reapply with fresh underwriting. During the grace period, no claims are allowed.
Insure Your Pet with HDFC ERGO
T&C Apply. *Coverage for pre-listed major and minor illnesses only. Please refer policy wording for list of illnesses @3.1 Cr+ customer base covers all lines of business – policyholders in motor & corporate lines, lives covered under health, PA & travel, and farmers covered crop insurance. Data as on 31st March 2026 HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. For more details on the risk factors, terms and conditions, please read the policy document carefully before concluding a sale. UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324.
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