New India Assurance Pet Insurance Review
New India Assurance is a government-owned insurer offering pet dog insurance with coverage for mortality, theft, and third-party liability. Established trust with 97% claim settlement ratio. Tradition
3.7/5
Dodo Rating
97%
Claim Ratio
1
Plan Available
3.7/5
Dodo Rating
97%
Claim Ratio
1
Plan Available
New India Assurance Pet Insurance Review 2026 — Is It Worth It?
New India Assurance is a government-owned insurer offering pet dog insurance with coverage for mortality, theft, and third-party liability. Established trust with 97% claim settlement ratio. Traditional offline process.
ANALYSIS
Our Verdict: What DodoDoggy Found
Based on 0 customer reviews from PolicyBazaar, App Store, and Google Play, combined with our analysis of the official policy document.
What We Like
- Government-backed insurer
- Very low premiums
- Covers theft and third-party
- 97% claim settlement
What Could Be Better
- No hospitalization/surgery coverage
- Offline process only
- Low sum insured limits
BEST FOR
Who Is New India Assurance Pet Insurance Best For?
New India Assurance 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 New India Assurance 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 ₹800/year for a basic plan covering up to ₹30,000, New India Assurance is accessible to budget-conscious owners, though the premium can reach ₹3,500/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.
COVERAGE
Coverage Deep Dive
- Mortality / Accidental DeathYes (all plans)
- Theft / LossYes (all plans)
- Third-Party LiabilityYes (all plans)
CLAIMS
How Does Claiming Work?
Based on customer reviews from PolicyBazaar and App Store, New India Assurance's claim experience is below average.
Step-by-Step Claim Process
Offline claim process. Visit nearest New India Assurance branch with vet certificate and FIR (for theft).
Typical settlement time: 30 days. Claims are reimbursement-based — you pay the vet first, then claim back.
Claim settlement ratio: 97%. This is among the highest in the Indian pet insurance market, indicating strong claim acceptance.
COMPARISON
How New India Assurance Compares to Other Pet Insurers in India
| Provider | Rating | Plans | App | Claim Ratio |
|---|---|---|---|---|
| New India AssuranceThis review | 3.7 | 1 | No | 97% |
| Future Generali | 3.8 |
VERDICT
Should You Buy New India Assurance Pet Insurance?
New India Assurance is best for owners seeking basic financial protection against accidental death, theft, or loss at the lowest possible premium. 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, New India Assurance may not be ideal as it operates on a reimbursement model only. The key reason to choose New India Assurance: a 97% claim settlement ratio — one of the highest in the market. If you want the highest-rated option, Bajaj Allianz (4.2/5) may serve you better.