Digit Pet Insurance Review 2026 — Is It Worth It?

Digit is well-suited for owners of Indie, Labrador, Golden Retriever, Beagle, Pug breeds. These breeds were specifically highlighted in the provider's recommended coverage profiles, suggesting the plans are priced and structured with these breeds in mind.

Digit accepts dogs from 2 months up to 10 years at entry. With an exit age of 12 years, dogs enrolled young can be covered well into their senior years. Among Indian pet insurers, this is one of the most generous entry windows available.

Brachycephalic breeds including Pugs, French Bulldogs, and English Bulldogs are accepted, which sets Digit apart from insurers that either surcharge or exclude these breeds. This matters because brachycephalic dogs often have higher veterinary costs due to respiratory and joint issues.

At ₹2,500/year for a basic plan covering up to ₹1,00,000, Digit is moderately priced, though the premium can reach ₹10,000/year for comprehensive cover of older or large-breed dogs. Co-payment of 10% applies, which lowers your premium but increases out-of-pocket costs at claim time.

Based on customer reviews from PolicyBazaar and App Store, Digit's claim experience is below average.

Step-by-Step Claim Process

Fully digital claim process. Upload via Digit app. 24-hour notification window.

Typical settlement time: 18 days. Claims are available via cashless service at empanelled vets and through reimbursement.

Claim settlement ratio: 96.1%. This is a healthy ratio, suggesting most legitimate claims are honoured.

Digit suits owners who want protection against major medical events — hospitalisations and surgeries — without paying for extras. It's particularly suitable for brachycephalic breed owners who are often excluded by other insurers. If routine vet visits matter most, look at insurers that include OPD coverage by default. The key reason to choose Digit: high coverage ceiling of up to ₹1,00,000. If you want the highest-rated option, Bajaj Allianz (4.2/5) may serve you better.