PROCEDURE OF DOG INSURANCE IN INDIA

PROCEDURE OF DOG INSURANCE IN INDIA

Dog insurance in India is designed to help pet owners manage veterinary expenses arising from accidents, illnesses, and routine care for their canine companions. With the increasing number of pet owners in the country, several insurance providers now offer policies tailored to meet the diverse needs of dogs and their owners.​

Key Features of Dog Insurance Policies:

• Coverage: Policies typically cover medical expenses due to accidents or illnesses, including hospitalization, surgeries, and medications. Some plans also offer coverage for routine care, vaccinations, and preventive treatments.​
• Eligibility: Dogs aged between 2 months to 10 years are generally eligible for coverage, though this can vary by insurer. Coverage is available for indigenous, cross-bred, and exotic breeds.
• Premiums: Premium amounts depend on factors such as the dog’s breed, age, size, and the chosen coverage. For example, Bajaj Allianz offers discounts for dogs that are microchipped or RFID tagged.
• Add-On Benefits: Some insurers provide additional benefits like coverage for terminal illnesses, funeral expenses, third-party liabilities, and even compensation for theft or straying.

Leading Dog Insurance Providers in India:

1. Bajaj Allianz Pet Dog Insurance: Offers comprehensive coverage, including hospitalization, surgery, and mortality benefits. Discounts are available for RFID-tagged pets. ​
2. New India Assurance Dog Insurance Policy: Covers death due to accidents or diseases, with eligibility for dogs aged 8 weeks to 8 years. The basic premium is 5% of the sum insured.
3. Future Generali Dog Health Insurance: Provides coverage for death, funeral expenses, terminal illnesses, and pre- and post-hospitalization expenses. Additional add-ons include coverage for lost or stolen pets and third-party liabilities. ​
4.  HDFC ERGO Pet Insurance: Offers plans starting at Rs 200/year, covering medical emergencies and surgeries, with no mandatory health check-ups required. ​

 Benefits of Dog Insurance:

• Financial Security: Helps manage unexpected veterinary expenses, ensuring that pet owners can provide necessary medical care without financial strain.
• Comprehensive Care: Enables access to a range of medical treatments and preventive care, contributing to the overall health and longevity of the pet.​
• Peace of Mind: Provides reassurance that financial support is available in case of emergencies, allowing pet owners to focus on their pet’s well-being.​

Considerations When Choosing a Policy:

• Coverage Scope: Assess what is included and excluded in the policy to ensure it meets your pet’s specific needs.​
• Premium Costs: Compare premiums across different providers, taking into account the coverage offered and any additional benefits.​
• Claim Process: Understand the insurer’s claim procedures, including documentation requirements and claim settlement timelines.​
• Exclusions: Be aware of any exclusions, such as pre-existing conditions, specific illnesses, or breed-specific restrictions.​

Investing in dog insurance is a proactive step towards safeguarding your pet’s health and ensuring that you are financially prepared for any unforeseen medical expenses.

PROCEDURE OF DOG INSURANCE IN INDIA -NEW INDIA INSURANCE COMPANY

Scope of Cover:-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

Age Group: –8 weeks to 8 years

Breed: –indigenous origin, cross-bred ,Exotic

Sum Insured:-Rs.25,000/-

Identification and Valuation:-

1. Valuation by qualified Veterinary Doctor is required at the time of proposing the Insurance.
2. Fitness Certificate of Dog by the Veterinary Doctor (prior to 30 days of insurance start date).
3. Fitness Certificate must include following details :–
   1. Age of the Dog
   2. Gender
   3. Breed
   4. Normal identification marks
   5. Identification by following method
      1. Tattooing
      2. Nose print
      3. Photographs
   6. Pedigree record
   7. Kennel Club record
4. Municipal corporation certificate (prior to 1 year of insurance start date).

Extension of Policy:-The policy may be extended by payment of extra premium. The details are given below:-

Policy Exclusions:-

Common exclusions:-

1. Malicious or willful injury or neglect, unskillful treatment or use of animal.
2. Intentional slaughter of the animal.
3. Theft and clandestine sale of the insured animal.
4. War and allied perils
5. Any accident, loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapons.
6. Consequential loss of whatsoever nature.
7. Transport by air and sea.
8. Diseases contracted prior to and within 15 days of commencement of risk.

Specific exclusions:-

1. Death due to disease such as Distemper, Rabies, Viral Hepatitis, Leptospirosis,Viral enteritis .These diseases can be covered if the dog have been successfully vaccinated and a Veterinary Certificate to that effect is produced.
2. Transport, Show risk, Breeding and whelping risk, third party personal injury ( These risk can be covered at the an additional premium ,please

IMPORTANT FORMAT FOR  DOG INSURANCE IN INDIA -NEW INDIA INSURANCE COMPANY

PROPOSAL FORM DOG INSURANCE (CANINE INSURANCE)

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