Future Generali Pet Insurance Review 2026 — Is It Worth It?

Future Generali accepts dogs from 3 months up to 8 years at entry. With an exit age of 10 years, dogs enrolled young can be covered well into their senior years. Among Indian pet insurers, some competitors offer wider entry windows for senior dogs.

Brachycephalic breeds including Pugs, French Bulldogs, and English Bulldogs are accepted, which sets Future Generali 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 ₹2,000/year for a basic plan covering up to ₹50,000, Future Generali is moderately priced, though the premium can reach ₹6,000/year for comprehensive cover of older or large-breed dogs. Co-payment of 15% applies, which lowers your premium but increases out-of-pocket costs at claim time.

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

Typical settlement time: 21 days. Claims are reimbursement-based — you pay the vet first, then claim back.

Claim settlement ratio: 95.2%. This is a healthy ratio, suggesting most legitimate claims are honoured.

Future Generali 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. If you prefer cashless treatment at the vet, Future Generali may not be ideal as it operates on a reimbursement model only. If you want the highest-rated option, Bajaj Allianz (4.2/5) may serve you better.