India's pet dog population is 35 million and growing. A pedigreed dog is a valuable asset — worth ₹15,000 to ₹5,00,000+. the insurer Dog Insurance provides mortality cover for registered, pedigreed dogs against accidental death, disease death, and surgical complications. Covers pet dogs, show dogs, security/working dogs, and breeding kennel dogs. All KCI / NKC registered breeds eligible.
Rural Insurance
Dog Insurance is a specialised animal insurance product by Probitas Insurance Brokers Ltd. (the insurer) providing financial protection to owners of registered, pedigreed dogs against the financial loss from the dog's death due to accident, disease, or surgical complications. India has 35 million+ pet dogs — one of the fastest-growing pet markets globally. Pedigreed dogs are valued assets from ₹15,000 to ₹5,00,000+. Probitas Insurance Brokers Pvt. Ltd. (IRDAI Lic. No. 528) is your licensed broker.
Most common — Labrador, Golden Retriever, GSD, Pug, Beagle, Dachshund, Rottweiler
KCI championship wins, show titles, top-grade breeding lineage drive premium valuation
Trained guard dogs, police / military dogs — highest SI based on training value
Stud dogs and brood bitches in commercial kennels — protecting the breeder's capital asset
This the insurer Dog Insurance policy covers the DEATH of the dog — paying out the sum insured (market value of the dog) if the dog dies from accident, disease, or surgical complication. It does NOT cover veterinary treatment bills, diagnostic costs, surgery costs, hospitalisation, or ongoing medical expenses. For vet bill coverage, a separate Pet Health Insurance policy is required. Contact Probitas on 022 4302 0000 to explore both mortality cover and health cover options together.
Who Can Apply
Only pedigreed dogs registered with the Kennel Club of India (KCI) or National Kennel Club (NKC) are eligible. A valid KCI / NKC Pedigree Certificate is mandatory at inception. Without a recognised pedigree certificate from a canine registry, the dog cannot be insured. Mongrel / mixed-breed / stray dogs are NOT eligible under this policy.
Proof of current vaccination against Distemper (D), Parvovirus (P), Hepatitis (H), Leptospirosis (L), Parainfluenza (Pi), and Rabies (R) must be submitted at inception. Vaccination lapses may void claims for vaccine-preventable diseases (Distemper, Parvovirus, Rabies). Always keep your dog's vaccination record up to date throughout the policy period.
The insured dog must be identified by microchip (ISO 11784/11785 standard 15-digit number) or ear tattoo number. The microchip number must match the KCI / NKC pedigree certificate. Dogs without a microchip may be required to be microchipped before the policy is issued. Microchip is the gold-standard identification for pedigreed dogs in India.
| Breed / Dog Type | Typical SI Range |
|---|---|
| Popular breeds (Labrador / GSD / Golden / Rottweiler) | ₹15,000–₹80,000 |
| Large / rare import breeds (Great Dane / Saint Bernard) | ₹25,000–₹1,00,000 |
| Indian breeds (Rajapalayam / Mudhol Hound / Kombai) | ₹5,000–₹20,000 |
| Show / Championship dogs (KCI title grade) | ₹1,00,000–₹5,00,000+ |
| Security / police-trained working dogs | ₹50,000–₹2,00,000 |
| Breeding stud / brood bitch (kennel) | ₹20,000–₹1,00,000 |
SI = market value of the dog assessed and certified by a government-licensed / registered veterinarian at inception. Championship records and training certifications increase value.
Import breeds (KCI/NKC registered): Labrador Retriever, German Shepherd, Golden Retriever, Rottweiler, Dobermann, Dachshund, Beagle, Pug, Great Dane, Saint Bernard, Cocker Spaniel, Poodle, Bulldog, French Bulldog, Husky, Dalmatian, Boxer, and all other KCI-registered breeds.
Indian breeds (KCI/NKC registered): Rajapalayam, Mudhol Hound / Caravan Hound, Kombai, Chippiparai, Kanni, Rampur Greyhound, Himalayan Sheepdog, Bully Kutta.
Plan Comparison
All plans cover the same three categories of cause of death. Differences are in sum insured level, valuation method, and documentation requirements — particularly for show, working, and breeding dogs.
| Points of Difference | Standard Pet Dog | Show / Championship Dog | Working / Security Dog | Breeding / Kennel Dog |
|---|---|---|---|---|
| Accidental Death (Road / Electrocution / Drowning) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Disease Death (Distemper / Parvovirus / GDV / Cancer) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Surgical Complication Death | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Typical Sum Insured | ₹15,000–₹80,000 | ₹1,00,000–₹5,00,000+ | ₹50,000–₹2,00,000 | ₹20,000–₹1,00,000 |
| SI Valuation Basis | Market value (vet cert) | Market value + KCI title premium | Market value + training value | Market value + breeding potential |
| KCI / NKC Pedigree Certificate | Mandatory | Mandatory + show records | Mandatory | Mandatory |
| Training Certification | ✘ No | ✘ No | ✔ Required | ✘ No |
| Championship Records | ✘ No | ✔ Required | ✘ No | ✘ No |
| Vaccination Record Mandatory | Yes | Yes | Yes | Yes |
| Microchip / Ear Tattoo ID | Mandatory | Mandatory | Mandatory | Mandatory |
| 24-Hour Death Notification | Required | Required | Required | Required |
| Vet Post-Mortem Certificate | Required | Required | Required | Required |
| Police FIR (road accident) | Required | Required | Required | Required |
| Vet Treatment Bills Covered? | ✘ Mortality only | ✘ Mortality only | ✘ Mortality only | ✘ Mortality only |
| Annual Value Reassessment at Renewal | Yes | Yes | Yes | Yes |
Coverage Under Dog Insurance
Dog Insurance covers death from three categories: accidental death, disease death, and surgical complication death. All claims require a veterinary post-mortem certificate. 24-hour notification is critical. Do NOT cremate before vet examination.
Death of the insured dog must be notified to Probitas on 022 4302 0000 within 24 HOURS. Do NOT cremate, bury, or dispose of the dog before the veterinarian examines the body and certifies cause of death. Photograph the dog before any disposal. For road accidents: lodge a Police FIR immediately. For disease deaths: inform the treating vet immediately.
The deceased dog must NOT be cremated, buried, or otherwise disposed of before a government-licensed / registered veterinarian examines the body and issues a Post-Mortem / Cause of Death Certificate. Early cremation or disposal voids the claim. Photograph the dog before any intervention and call Probitas on 022 4302 0000 first.
For road accident deaths, a Police FIR or police incident report from the nearest police station is required along with the veterinary cause of death certificate. The FIR establishes the accidental nature of death and is mandatory for road accident claims. Lodge the FIR at the nearest police station before calling Probitas.
If the dog's vaccination against Distemper, Parvovirus, or Rabies has lapsed at the time of death from that specific vaccine-preventable disease — the claim for that disease may be voided. Annual vaccination boosters must be maintained throughout the policy period. Submit updated vaccination records at each renewal.
Mortality Policy — NOT Health Insurance: Veterinary treatment bills, diagnostic costs, surgery costs, hospitalisation charges, and medication costs are NOT covered under this policy. This policy only pays out the sum insured on the dog's death. For vet bill coverage, contact Probitas on 022 4302 0000 to explore separate Pet Health Insurance options.
How Claims Are Calculated
Claim = Sum Insured (agreed market value at inception) − Compulsory Excess
The sum insured is the agreed market value of the dog at inception — assessed and certified by a government-licensed / registered veterinarian. This is a fixed agreed-value policy — the full SI is paid on death (minus excess), regardless of the dog's condition at the time of death.
Unlike cattle or livestock insurance (where the insurer has a salvage interest in the carcass / hide / meat), the insurer has NO salvage interest in the deceased dog's body. The dog's remains stay with the owner — no deduction for salvage value from the claim. The full SI minus compulsory excess is paid. The owner may cremate or bury the dog after veterinary examination is complete.
This policy pays out the sum insured on death — it does NOT reimburse any veterinary treatment costs incurred before the dog died. Even if you spent ₹50,000 on treating your dog before it died, only the sum insured (minus excess) is payable — not the treatment costs. For vet bill coverage, a separate Pet Health Insurance policy is required.
| Parameter | Road Accident (German Shepherd) | Parvovirus Death (Labrador Puppy) | GDV Surgical Death (Working Rottweiler) |
|---|---|---|---|
| Breed | German Shepherd (3 years) | Labrador Retriever (4 months) | Rottweiler (5 years) — trained security dog |
| Registration | KCI registered — show grade | KCI registered | KCI registered + training certification |
| Event / Cause | Road accident — fatal collision; Police FIR filed; vet certifies accidental death | Canine Parvovirus (CPV) — rapidly fatal; vet certifies CPV; vaccination record up to date | GDV / Bloat — emergency surgery; dog does not survive; vet certifies surgical complication |
| Sum Insured | ₹ 60,000 | ₹ 25,000 | ₹ 1,50,000 |
| Compulsory Excess | ₹ 1,500 | ₹ 750 | ₹ 3,000 |
| Claim Payable | ₹ 58,500 | ₹ 24,250 | ₹ 1,47,000 |
| Salvage Deduction | None — dog's remains vest in owner | None — dog's remains vest in owner | None — dog's remains vest in owner |
* Illustrative only. Actual settlement depends on SI agreed at inception, veterinary post-mortem certification, and compulsory excess as per policy schedule. For road accident — Police FIR required. For disease — vaccination record must be current.
Policy Conditions
The following 12 conditions are binding under the insurer Dog Insurance. Condition 1 (Pedigree Certificate), Condition 4 (Vaccination), Condition 5 (24-hour notification), and Condition 6 (Do NOT cremate before vet exam) are the most critical.
Pedigree Certificate Mandatory: A valid KCI / NKC pedigree certificate must be submitted at inception. Without a pedigree certificate from a recognised canine registry, the dog cannot be insured. Mongrel / mixed-breed / stray dogs are NOT eligible.
Veterinary Health Certificate at Inception: A health certificate from a government-licensed / registered vet — confirming breed, age, health condition, vaccination status, microchip / ear tattoo number, and assessed market value — is mandatory at inception.
Microchip / Ear Tattoo Identification: The dog must be identified by microchip (ISO 11784/11785 — 15-digit number) or ear tattoo number. The identification number must match the KCI / NKC pedigree certificate. Dogs without microchip may be required to be chipped before policy issuance.
Vaccination Record Mandatory: Proof of current vaccination against D, P, H, L, Pi, and R must be submitted at inception. Vaccination lapses may void claims for vaccine-preventable diseases. Always maintain annual vaccination schedules throughout the policy period.
Notification Within 24 HOURS of Death: Death must be notified to Probitas (022 4302 0000) within 24 HOURS. Do NOT cremate or dispose of the dog before vet examination. For road accidents: lodge Police FIR immediately. For disease: inform treating vet immediately.
Do NOT Cremate / Dispose Before Vet Examination: The deceased dog must NOT be cremated, buried, or disposed of before a government-licensed / registered vet examines the body and issues a cause of death certificate. Early cremation voids the claim.
Post-Mortem Certificate Mandatory: All death claims require a Post-Mortem / Cause of Death certificate from a government-licensed or registered vet. Private vet certificates are accepted for dog insurance. The insurer may also appoint their own veterinary surveyor to verify.
Road Accident Claims — Police FIR Required: For accidental death from road accident, a Police FIR or police incident report is required along with the veterinary cause of death certificate. FIR must be from the nearest police station.
Age Verification: Dog's age is established by KCI / NKC registration date and vet certificate. Dogs insured beyond maximum eligible age (typically 8 years) require special endorsement and command higher premium loading.
Single Dog Per Policy: Each dog is insured under a separate policy. Breeders / kennels with multiple dogs may obtain a fleet / group policy by listing all dogs individually with separate identification for each.
Annual Renewal — Reassessment of Value: At each annual renewal, the dog's market value is reassessed (generally declining with age). A fresh veterinary certificate confirming current health, updated vaccination status, and revised market value is required at renewal.
Cancellation: Either party may cancel the policy on 7 days' written notice. Premium refunded on short-period scale for unexpired term. No refund if a claim has already been paid during the policy period.
How to File a Claim
Dog death claims require a veterinary post-mortem certificate before cremation or disposal. 24-hour notification is critical. For road accidents, lodge a Police FIR immediately. Call Probitas on 022 4302 0000.
The government-licensed or registered veterinarian (or the insurer's appointed vet surveyor) examines the deceased dog and issues a Post-Mortem / Cause of Death Certificate certifying: breed, identification (microchip / tattoo number), cause of death (accident — specific type / disease — specific diagnosis / surgical complication). Unlike elephant insurance (where only government vets are accepted), registered private veterinarians are also accepted for dog insurance. The insurer may additionally appoint their own veterinary surveyor to verify the findings.
Call Probitas on 022 4302 0000 within 24 hours of the dog's death. Do NOT cremate or dispose of the body. Photograph the dog immediately. For road accidents: lodge a Police FIR. For disease deaths: inform the treating vet immediately.
A government-licensed or registered vet examines the deceased dog and issues a Post-Mortem / Cause of Death Certificate — certifying breed, microchip / tattoo identification, and cause of death (accident / disease / surgery). The insurer may appoint their own vet surveyor to verify.
Submit: Claim Form, Policy doc, KCI / NKC Pedigree Certificate, Vet Post-Mortem / Cause of Death Certificate, Vet Health Certificate (from inception), Vaccination record, Photographs of deceased dog, Police FIR (road accident), Microchip scan record, Bank details for NEFT.
Claim = Sum Insured (agreed dog value at inception) − Compulsory Excess. Dog's remains do NOT transfer to insurer — remains vest in owner. No salvage deduction. Payment by NEFT within 30 days of complete documents per IRDAI TAT norms.
Common Questions about Dog Insurance
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