Add Care for your Pets -
Your Pet deserves ! the best too.
Features
Death by accident or illness
Third Party Liability Cover
Covers Surgery Expenses and Hospitalization
Mortality Benefits
Accidental poisoning
Loss/ theft of the pet
Incapacitation
Treatment expenses
Benefits
- Customized plans
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Customized pet insurance plans are available for pets such as dogs, cats, birds, etc.
- IRDA approved
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The pet insurance plans are approved by IRDA (Insurance Regulatory and Development Authority). There are various types of pet insurance schemes that fall under this plan, such as: cattle insurance, dog insurance, horse insurance, cat insurance, etc.
- Sum Assured
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Generally, the sum assured for pet insurance products like dog insurance, ranges from Rs. 15,000 to Rs. 30,000. This depends on the breed and other related factors.
- Add-On Cover
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Some insurance providers (e.g.: Future Generali) offer add-on covers for the base policy, such as for the loss of show entry fee. This cover is offered for the forfeit of entry fee for dog shows when the pet cannot make it to the show due to an injury or illness.
- Third Party Liability
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Some pet insurance policies offer third party liability cover, in the event that your pet bites/ attacks a third party or causes damage to third party property.
- Types of Cover
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There are three types of pet insurance cover, namely, lifetime cover, time-limited cover and money-limit cover. Lifetime cover protects the pet and its owners against any critical/ long-term illness. This includes diseases such as eczema, arthritis, etc. The policyholder who opts for a lifetime pet insurance policy, will receive a specified amount each year towards treatment of the pet. Time limited pet insurance policy offers financial protection to a pet only for a specific period after a pet has contracted an illness or suffered an injury. Money-limit cover offers financial benefits to pet owners to meet the medical expenses of their pets. There is no time limit for this policy and it can be used until the money limit is reached.
- Premium
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Generally, the premium to be paid for the pet insurance policy in India is equal to 3% - 5% of the sum assured.
Riders
- Medical Bills
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As vet fees are usually the primary reason for taking out a pet insurance policy, it's important to know how far your insurer will go to help you out with the associated costs. When you compare pet insurance policies, look into whether the insurer covers consultations, examinations, scans, tests, medications, surgery or hospitalisation as part of the policy.
- Third Party Injury & Accidental Damage
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You may find yourself in hot water if your dog causes damage to someone else's property, or worse still, damage to someone else. As Rover doesn't have a savings account, you as the owner could be considered responsible for costs to replace or repair a damaged item. If he hurts somebody, you could face a day in front of a judge for his actions.
- Death Cover & Cremation
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Sure, it's hard to think about! However, some insurers offer a level of cover in the event that your pet should die from illness or an accident. Typically, a policy will cover the price you paid for your pet or their current market value, which may be particularly important if you paid a large sum of money for a highly sought-after breed or pedigree.
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