Most Comprehensive Pet Insurance in India (2026)

HDFC ERGO's Premium plan combines the deepest coverage with the highest sum insured ceiling in India at ₹1,50,000. Coverage includes surgery, OPD, dental, wellness, and teleconsult, with a 97.8% claim settlement ratio and 14-day settlement speed. The ₹1,50,000 maximum is 50% above Digit's ₹1,00,000 cap — a meaningful difference for large-breed owners facing potential major surgery or cancer treatment. Note that HDFC ERGO's plans do not include hospitalisation as a separate category — coverage is structured around surgery and outpatient care rather than inpatient room costs. At ₹5,000-15,000 for the Premium tier, this is the market's premium comprehensive option for owners prioritising maximum financial protection.

Bajaj Allianz's Comprehensive plan covers hospitalisation, surgery, OPD, wellness, and vaccination — five of the seven major coverage categories — and does so with the most reliable claim track record in the industry. The 98.5% settlement ratio and 15-day average settlement time are unmatched. At ₹2,500-12,000 for ₹25,000-1,00,000 coverage, pricing is comparable to Digit's plan. The gap versus Digit is the absence of dental and teleconsult coverage. For owners who prioritise claim certainty above maximum coverage breadth, Bajaj Allianz's Comprehensive plan is the safest comprehensive option — just verify that the specific coverage categories omitted are not relevant to your dog's needs.

Digit Insurance offers the most complete coverage stack available in the Indian pet insurance market in 2026: hospitalisation, surgery, OPD, dental, wellness, teleconsult, and routine vaccinations are all included in a single plan. No other single plan covers all seven major categories. At ₹2,500-10,000 per year for ₹25,000-1,00,000 sum insured, Digit also represents reasonable value for the coverage depth delivered. The 15-day illness waiting period — shortest in the market — and 96.1% claim settlement ratio add further credibility. For owners who want genuine all-in-one coverage without manually checking each category, Digit's plan is the most complete option available.