Pet insurance

Pets such as dogs, cats etc., are important family members, without them, we can’t imagine our life. They share an emotional bond with their humans. They give us unconditional love.

So, in order to protect our beloved special family, when they are sick or injured and to give them the best medical attention, it is important to avail Pet Insurance especially in our country, India.

Pet Insurance policy is one of the latest insurance schemes introduced in India. Here is a list of some Insurance companies that cover pet insurance policy:

Bajaj Allianz General Insurance

Bajaj Allianz offers pet insurance for dogs. To be eligible for this cover, your dog must be between 3 months to 7 years for Small/Medium/Large breeds. They can offer your dog insurance for up to the age of 6 years for Giant breeds or 10 years for Small/Medium/Large breeds, if continuously renewed with them. The pet dog insurance plan provides Extensive coverage with multiple benefits:

Lifetime cover
No waiting for accidents
Discount on RFID Tagging

Documents to be submitted while buying the policy

You’ll need to fill up the form and provide the details relating to your pet dog on our website
To help identify your pet, we’ll need colour photos of your pet from 5 sides, Front, Back, Left, Right and Top. If your pet has an RFID chip, a colour photo, which clearly captures the identification number will work too. The photo needs to include the newspaper as on the date of application, with the date of the newspaper visible.
You’ll also need to self-declare that your pet has received all their vaccinations on time
If your pet is more than 4 years of age, and you’re opting to waive off the 90 days waiting period (as explained in Special Conditions) we’ll need some Diagnostics Test Results, such as Bio-chemistry test, Circulatory blood count, urine test and chest X-Ray.
If you are choosing a Sum Insured which applicable for a pedigree lineage, you’ll also need to provide a Pedigree Certificate from Kennel Club of India.
If you are choosing a higher Sum Insured than the maximum price defined for that breed, you’ll need to provide purchase proof.

The New India Assurance Company

To be eligible for this cover, your dog must be between 8 weeks to 8 years for small/medium/large breeds.
Dogs of indigenous origin, cross-bred and exotic breeds are covered under the scheme.
Valuation to be done by qualified Veterinary Doctor at the time of proposing the insurance.
Insured dogs must be suitably identified by one of the following:
Tattooing
Nose Print
Photograph
Normal identification marks and breed, sex, age etc, should be clearly described in the veterinary certificate. Cost of identification is to be borne by insured only.
Detailed pedigree record, Kennel club record should be submitted along with Vet. Certificate.
The basic premium rate is 5 %

Insurance Coverage
Dogs are insured against death due to accident and/or diseases contracted during the period of insurance subject to usual terms, conditions and exclusions of the policy.

Major Exclusions

Common Exclusions : As per Cattle Insurance
Specific Exclusions :
1. Death due to diseases such as Distemper, Rabies, Viral Hepatitis, Leptospirosis, Viral enteritis. These diseases are covered only if the dogs have been successfully vaccinated and a Veterinary Certificate to that effect is produced.
2. Diseases contracted prior to and within 15 days of commencement of risk.
3. Transport, show risk, breeding and whelping risk, third party personal injury unless additional premium is paid

Indemnity
Company to bear 80% of the claim amount and Insured to bear 20% of the claim amount which would be ascertained on the basis of Market Value as certified by Veterinary Doctor or Insured Value whichever is less.

Documents to Effect Insurance

Proposal Form
Veterinary Health Certificate from a qualified Veterinarian.
Kennel Club certificate/ Photograph/tattooing.

Claim Procedure

Intimation
Duly completed claim form.
Veterinary Certificate for death on Company’s form.
Post Mortem report on standard P.M. form.
Photograph or any other document, if necessary.

Extension of Policy

The policy may be extended as per following Sections, and the proposer may choose to cover risks under any Section by payment of extra premium.

	Rate of Extra Premium
Section (1) Death by accident in transit by air, rail, road and water, and show risk	0.5%
Section (2) Death by accidental poisoning	1.0%
Section (3) Breeding RiskDeath by whelpingLoss of litter in case the whole litter is stillborn or dies within 14 days of birth :	0.5% 2.0%
Section (4) Lost or stolen dogs (Including burglary or house breaking)	2.0%
Section (5) Loss of show entry fees (limit Rs. 250/-) when the dog which is registered with the Kennel Club is unable to attend the show because of accident or disease covered by the policy.	0.25%
Section (6) Loss of value (Limit one half of Sum Insured) resultant upon an accident which does not result in death but which averts its show career.	0.5%
Section (7) Liability for personal injuries and damage to property (Including animals, poultry) of third parties up to Rs. 5000/-.	1.0%
Note : Liability to members of the Insured’s family or employees is excluded.
Section (8) WORLD WIDE TRANSIT CLAUSE @ 2%

Oriental Insurance Company Limited(OICL)

This Policy covers Indigenous, Cross bred or Exotic dogs which are Pets, Watch dogs, Sheep dogs and Hunting dogs and provides Insurance against death due to accident and / or diseases during the period of insurance to the dogs. Age: 8 weeks to 8 years. Insured dogs must be suitably identified by one of the following methods: 1) Tattooing, 2) Nose Print, 3) Coloured photograph, 4) In the case of pups, one more colour photo may be taken at 6 to 8 months age. Normal physical identification marks and breed, sex, age etc. should be clearly described in the Veterinary Certificate and Proposal form. The Policy may be extended as per the following sections and the proposer may choose to cover risk under any section(s) by payment of extra premium: Section 1: Death by accident in transit by air, rail, road and water and show risk, Section 2: Death by accidental poisoning, Section 3: Breeding Risk – a) Death by whelping, b) Loss of litter in case the whole litter dies within 14 days after birth, Section 4: Lost or stolen dogs(including burglary or Housebreaking), Section 5: Loss of show entry fees (max. limit Rs.250/-) when the dog registered with the Kennel club is unable to attend the show because of accident or disease, Section 6: Loss of value resultant upon an accident, Section 7: Liability for personal injury and damage to property (including animals, poultries or third parties) up to Rs.5000/-, Section 8: World Wide Transit Clause

Covered Risks

Death due to accident and / or diseases contracted during the period of insurance

Major Exclusions

Partial and permanent Disability of any nature, Rabies, Canine Distemper and Leptospirosis. (These diseases can be covered if preventive inoculation is done and Certificate to that effect is submitted)