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Pet Dog Insurance Policy

Increasing Number of Households in India have Pet Dogs. According to Statista, India had approximately 1.95 crore pets in 2018 which is projected to increase to 3.1 crores by 2023.

These Pet Dogs require proper care and medical treatment in case of Illnesses or Accidents which is often costly. So how do you plan to pay for such unexpected expenses that you may have to incur on your pets.

A Comprehensive Pet Dog Insurance Policy is the answer that you are looking for.

A Plan with wide coverages and low waiting periods ensures that your pooch gets the care it deserves.

Pet Dog Insurance Policy

What does a Pet Dog Insurance Policy Cover?

A Pet Dog Insurance Policy Coverages vary from Policy to Policy. However, most Policies generally cover the following:

Surgery Expenses Cover: This Cover provides reimbursement for Surgical Expenses incurred on the dog for a surgery conducted by a vet at a at veterinary clinic or veterinary hospital, on account of an accident or illness occurring to the dog during the policy period.

This cover also includes Pre and Post-Surgery Expenses incurred on the dog, during the last 7 days and 15 days immediately after the surgery, for the same injury or illness for which the surgery was required upto the Sum Insured.

This Cover normally has a Co-Pay condition of 10% and the Sum Insured for this cover is limited to Rs50000.

Hospitalisation Cover: This Cover provides reimbursement for all reasonable charges incurred for in-patient treatment of the dog at a Veterinary Hospital due to an illness or accidental injury.

This Cover normally has a Co-Pay condition of 10% and the Sum Insured for this cover is limited to Rs10000.

What are the Add-On Covers available under a Pet Dog Insurance Policy?

In addition to the Surgery Expenses Cover and Hospitalisation Cover, a Pet Dog owner can opt for the following optional Add-On Covers under a Pet Dog Insurance Policy:

Mortality Benefit Cover:The Dog Owner receives a chosen fixed sum under the Mortality Benefit Cover if the Dog dies due to an accident or illness or has to be put to sleep by the Vet in order to alleviate the dogs incurable and inhumane suffering due to an illness or accident. In addition, the dog owner will also receive an additional Sum of Rs3000 for the purpose of the Dogs Cremation or Burial.

This benefit is not applicable if your dog has to be put to sleep due to aggression or if the dog suffers from an illness against which it has not been vaccinated against.

Terminal Diseases Cover:The Dog Owner will receive a Fixed Sum of Rs30000 if the dog is diagnosed with any of the listed terminal diseases such as Kidney Failure, All types of Cancer, Coagulations Disorders, Cardiac Dysfunctions, Distemper or Leptospirosis.

This Cover is available only once during the Lifetime of the Policy.

Long Term Care Cover: The Dog Owner will receive a Fixed Sum of Rs25000 if the dog is diagnosed with any of the listed diseases which require long term care such as Epilepsy, Pancreatitis, Cushings Syndrome, Diabetes, Thyroid Dysfunction, Ascites, Glaucoma or Inflammatory Bowel Disease.

This Cover is available only once during the Lifetime of the Policy.

OPD Cover: The OPD Cover provides reimbursement if the dog is diagnosed with the following diseases: Meningitis, Hepatitis/Liver Dysfunction, Pneumonia, Peritonitis, Inflammation of Prostate Glands, Pyometra, Eye Related Problems except for Glaucoma, Any bodily injury to the Insured dog arising out of accidents etc

This Cover is subject to a Deductible of 10% of the Claim Amount for each and every claim.

Third Party Liability Cover: This Cover under a Pet Dog Insurance Policy provides reimbursement if the Dog Owner becomes legally liable to pay for any Bodily Injury including Death or Property Damage of a Third Party caused by the Dog during the Policy Period involving your dog.

Third Party Liability Cover under a Pet Dog Insurance Policy also indemnifies the Dog Owner for the Legal Expenses and Costs incurred for defending the claims lodged against the Owner.

The Dog Owner can opt for 2 Sum Insured Options under this Cover: Rs5 Lakhs or Rs10 Lakhs

Theft/Lost/Straying Cover: This Cover compensates the Dog Owner upto the Sum Insured if the Dog is Lost or Stolen or Strayed and no recovery has been made after 45 days despite appropriate attempts to trace the dog including advertising and reward.

What is the Entry Age and Exit Age for a Pet Dog Insurance Policy?

Entry Age: The Entry Age for this Policy is from 3 months upto 4 years for Giant Breeds and from 3 months upto 7 years for Small, Medium and Large Breeds.

Exit Age: The Exit Age is 10 years for Small, Medium and Large Breeds of Dogs and till the age of 6 years for Giant Breeds of Dogs.

What is the Waiting Period for a Pet Dog Insurance Policy?

The Waiting Period for Surgery Expenses Cover, Hospitalisation Cover, Mortality Benefit Cover, Terminal Diseases Cover, Long Term Care Cover, OPD Cover is 30 days under a Pet Dog Insurance Policy.

The Waiting Period for Theft or Straying Cover is 90 days under a Pet Dog Insurance Policy.

What is the Waiting Period for a Pet Dog Insurance Policy?

How to purchase a Pet Dog Insurance Policy?

The Per Dog Owner has to submit the following Documents to purchase a Pet Dog Insurance Policy:

  • Duly Filled and signed Proposal Form
  • Color Photos from all sides or Color Photo of RFID tag withthe Identification Number clearly visible
  • Diagnostics Test Results if Pet Dog Owner opts for Pre- Existing Disease cover being effective from succeedingday, in case the dogs age is greater than 4 years
  • Self-declaration of vaccinations conducted on time
  • Pedigree Certificate (in case customer has selected dog to be of pedigree lineage)
How to purchase a Pet Dog Insurance Policy?

What are the exclusions under a Pet Dog Insurance Policy?

A Pet Dog Insurance Policy does not cover the following claims:

Exclusions under a Pet Dog Insurance Policy

Any Claims for Diseases for which preventive medicines/vaccines has not been taken are not payable.

Any Claims for Costs or fees for experimental procedures/alternate treatments are not payable

Claims related to the Dog’s Pregnancy or giving birth are excluded

 

Dental Surgery Claims are not payable unless it is required on account of an accident

How to make a Claim under a Pet Dog Insurance Policy?

The Dog Owner will be required to submit the following documents at the time of claim under a Pet Dog Insurance Policy

  • Duly Completed Claim Form
  • Vaccination Certificates
  • Hospital Bill if the Claim is under Hospitalisation Cover
  • Death Certificate and Color Photos of the Deceased Dog if the Claim is under Mortality Benefit Cover
  • Vet Medical Papers, Diagnostics Reports and associated bills for Claims under Surgery Expenses & Hospitalisation Cover, Mortality BenefitCover, Terminal Diseases Cover Long Term Care Cover and OPD Cover
  • General Diary Entry Copy lodged by Police and Advertisement Copy (in case of claim under Theft/Lost/Straying Cover)
  • Color Photo of Microchip / RFID Tagging
How to make a Claim under a Pet Dog Insurance Policy?
Expert Claims Assistance
Expert Claims Assistance
Cover for Long Term Care
Cover for Long Term Care
Cover for Terminal Diseases
Cover for Terminal Diseases
Low Waiting Period of 30 Days
Low Waiting Period of 30 Days

Get a Free Quote for a Pet Dog Insurance Policy in 15 Mins!

If you wish to purchase an Insurance Policy for your Pet Dog, Qian can assist you with a Free Quote. Our experienced team will assist you in Claims Settlement as well should such a need arise.

Contact us NOW at support@qian.co.in or 022-22044989 if you wish to purchase a Pet Dog Insurance Policy.

Get a Free Quote for a Pet Dog Insurance Policy in 15 Mins!

FAQS

What are the Coverages under a Pet Dog Insurance Policy?

A Pet Dog Insurance Policy mainly provides cover for Surgery Expenses and Hospitalisation Expenses.

In addition, one can opt for the following Add-On Covers under a Pet Dog Insurance Policy:

  • Mortality Benefit Cover
  • Terminal Diseases Cover
  • Long Term Care Cover
  • OPD Cover
  • Third Party Liability Cover
  • Straying or Theft Cover

If you wish to know more about a Pet Dog Insurance Policy, you can mail us at support@qian.co.in or call us at 022-22044989 or fill this Contact Form.

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