Oriental Insurance Pet Insurance Review 2026 — Is It Worth It?

Oriental Insurance 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 Oriental Insurance 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 ₹700/year for a basic plan covering up to ₹25,000, Oriental Insurance is accessible to budget-conscious owners, though the premium can reach ₹3,000/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, Oriental Insurance's claim experience is below average.

Step-by-Step Claim Process

Submit claim at branch office with veterinary certificate, FIR copy (theft), and policy documents.

Typical settlement time: 28 days. Claims are reimbursement-based — you pay the vet first, then claim back.

Claim settlement ratio: 96.5%. This is a healthy ratio, suggesting most legitimate claims are honoured.

Oriental Insurance 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, Oriental Insurance may not be ideal as it operates on a reimbursement model only. The key reason to choose Oriental Insurance: affordability, with premiums starting at just ₹700/year. If you want the highest-rated option, Bajaj Allianz (4.2/5) may serve you better.