Usually, Insurance Policies don't consider our pet as a family member; thus, there is no cover available for them in the normal insurance plans. Pets are a significant part of our lives; they're just like any other member of our family.
Wouldn't it be great if we could get insurance for them?
So that everything ranging from the veterinarian fee to unfortunate accidents or illnesses, gets covered.
Bajaj Allianz General Insurance
Under their pet dog insurance plan, the insurance company provides coverage for medical expenses incurred due to surgeries (both Pre- and Post-Surgery expenses), hospitalization, treatment of specified diseases, and death caused by accidents or illnesses.
Multiple benefits, such as a discount on RFID tagging, coverage for terminal diseases, i.e. cancer, kidney failure, coagulation disorders, cardiac dysfunctions, distemper, and leptospirosis, third party liability cover (covers the legal expenses, if any third person suffers an injury, dies or his/her property is ruined due to your pet), and regular vaccination are available.
One of the highlights of the plan is theft/straying/lost cover, which allows the owner to claim the sum assured, in case his/her pet goes missing.
Mortality benefit is paid in the form of a sum assured chosen by the owner during the time of purchasing the policy; this also amount for burial/cremation of the dog.
There is a zero waiting period for an accident. The minimum entry age of a dog is three months; maximum is six years for giant breeds and ten years for small/medium/large breeds.
New India Insurance
New India insurance company provides dog insurance for dogs in the age group of 8 weeks – 8 years.
In case of death, because of accident or disease during the policy period, full insurance cover is given to the owner, depending on certain terms and conditions of the insurance plan.
Diseases, such as distemper, rabies, viral hepatitis, leptospirosis, and viral enteritis, are not covered if the dog's unvaccinated.
A 15-day waiting period is there for diseases and other benefits
The Premium amount is 5% of the sum assured during the time of buying the policy.
United India Insurance
The key feature is that it provides insurance against death because of natural calamities, like, flood or cyclone. There is a 15-day waiting period for diseases; therefore, if death occurs during the first 15 days of the policy term, no coverage will be given. Still, if death happens to post the waiting period, full coverage will be provided. For availing additional cover for permanent total disability, an extra premium is required to be paid.
Exclusions under this policy are:-
Partial disability
Accidents occurred within 15 months of the policy period.
Purposely killing the pet
Death of the pet due to mistreatment.
Oriental Insurance
Death occurring due to diseases or accidents within the chosen policy term is covered under Dog insurance.
The maximum age limit is eight years.
Several extensions are available under this plan for which extra premium is to be paid, like, death by accident in transit by air, road, rail and water, death due to accidental poisoning, theft/lost cover, third party liability cover (up to INR 5000), and death during global transit.
Diseases specified by the insurance company that is not covered under this plan are; Rabies, Canine Distemper and Leptospirosis.
Vetina Healthcare LLP
Vetina health care LLP, is a company based in Pune that deals in animal healthcare products. In 2020, it launched a scheme called 'Pawtect' that provides medical cover for Dogs.
Pawinsure
Myanmol is an insurance broking firm based in Bengaluru, which launched its own online business vertical, known as 'Pawinsure'
The above list discusses insurance and medical covers available specifically for dogs. Other animals, such as Cats, Horses, Elephants, and Cattle, can also be insured.
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