Best Pet Insurance 2024 July
If seen, our pets are not only a part of our family, but they are also lifelong friends. Just like we take health or life insurance cover for ourselves and our loved ones, it is very important to consider pet insurance to keep them healthy as well as get protection in times of danger. Pet insurance refers to any type of policy that covers one’s pet against any type of medical bills or emergency; hence it is sometimes referred to as a special form of policy that takes care of the financial needs of the animal in case of illness or accident.
In one way or another, such policies have become the best and most preferred way to cover both illness and accidents. If you are looking for a cheap and good insurance policy then stop searching now, we are going to tell you some good insurance policies.
What Is Pet Insurance?
If we are fond of keeping pets, then we should also take steps for their safety because every day someone or the other falls sick, due to which they can fall sick. Keeping this in mind, pet insurance is compulsorily necessary, which ensures that our pet owner does not have to face any financial difficulty due to any sudden incident that may happen to him. It is our responsibility to protect our pets, which happens between the insurance company and the pet owner. Livestock payment expenses related to medical treatment of livestock are mostly borne by the insurance companies.
Best Pet Insurance Plans In India
Bajaj Allianz Pet Dog Insurance Policy
| Maximum Annual coverage | Up to INR 50,000 |
| Entry Age | 3 month- 7 years |
| Coverage Available For | Only Dog |
Key features:
- The minimum range of plans starts from INR 315.
- Covers domestic, cross-breed and exotic breeds of pets.
- Coverage Available
- Surgery expenses.
- Death benefit cover.
- Hospitalization expenses.
- Terminal illness cover
- Optional Coverage
- Theft/lost/lost cover.
- Out-patient expenses.
- Third party liability cover.
- Theft/lost/lost cover.
- 5% discount if the dog has a Radio Frequency Identification (RFID) tag.
- Medical tests for pet dogs are not mandatory even at higher ages.
- 10% co-pay is applicable on each claim.
- Coverage is provided for pet vaccinations.
- The policy term is up to six months.
New India Assurance Dog Insurance Policy
| Annual Maximum Coverage | INR 50,000 |
| Entry Age | 8 weeks to 8 years. |
| Coverage Available | Dog Only |
Key Features
- Evaluation is done by a qualified veterinarian at the time of purchasing the policy
- Covers dogs of indigenous, cross-breed and exotic breeds.
- The basic premium is 5% of the sum insured.
- The insured has to co-pay 20% of the claim amount.
- Dogs are insured against death due to accident or illness.
Future Generali India Dog Health Insurance
| Annual maximum coverage | According to the breed and size of the dog. |
| Entry Age | 6 months to 10 years |
| Coverage Available | only dog 🐶 |
Key Features
- Coverage: Death and funeral expenses, terminal illness cover, surgery and treatment expenses, pre-hospitalization and post-hospitalization expenses.
- Optional add-ons: Third party liability, lost and stolen cover, doctor on call, emergency pet care cover
Oriental Insurance Dog Insurance
| Annual Maximum Coverage | Upto INR 50,000 |
| Entry Age | 8 weeks to 8 years. |
| Coverage Available | only dog |
Key Features
- The insured dogs must be suitably identified (Tattoo, nose print or colour photo)
- In case of puppies, a colour photo at the age of 6 to 8 months is required
- General physical identification marks and breed, sex, age etc
- must be clearly described through the vet
- certificate and proposal form.Covers death due to accident or disease
importance of pet insurance in india
Currently, pet insurance is a nascent market in India, but given the growing demand for pets, some insurance providers are offering comprehensive insurance coverage for dogs, cats, and other pets. This guide provides detailed information about the best insurance plans for your pets in India and other important details related to pet insurance policies.
Claims and Documents Required for Pet Insurance Policy
Documents Required to Buy Pet Insurance Policy
- Fill the insurance proposal form and provide details regarding your pet
- Submit colour photograph for identification
- Declare that the pet has received all vaccinations on time
- Submit medical test results, such as circulatory blood count (CBC), urine test or chest X-Ray
- Submit pedigree certificate from Kennel Club of India (KCI) (if relevant)
Claim Settlement Process for Pet Insurance Policy
- Submit the copy of the e-card and your identity proof at the veterinary hospital and obtain the pre-authorization form
- Inform the network veterinary hospitals at least 72 hours before the planned medical treatment or a day before in case of emergency
- After all the formalities are completed, your insurance company will settle the bill directly with the hospital.
- Submit the pre-authorization form to the veterinary hospital after filling and signing it
Requirements for a Pet Insurance Policy
- Inform the network veterinary hospitals at least 72 hours before the planned medical treatment or a day before in case of emergency. Submit the copy of the e-card and your identity proof at the veterinary hospital and obtain the pre-authorization form. Submit the pre-authorization form to the veterinary hospital after filling and signing it. After all the formalities are completed, your insurance company will settle the bill directly with the hospital.
- Photograph: Photograph of the insured pet is required to be submitted.
✓ Face photo
✓Photo showing birth Mark
✓ Right and left side photo
Reimbursement Claim Process
With the reimbursement claim process, you can take your cherished pet in any veterinary hospital. The difference with this process is the insured individual pays all the bills before leaving the hospital. After making payment, you have to hand in the original bill together with other expenses to the insurance firm. The insurance firm normally pays back all these charges within thirty days from the date you submit the bill.”
FAQ
What Is Pet Insurance?
Pet insurance is a type of insurance policy that provides financial protection for your pet’s medical expenses and emergencies.
For what types of pets is pet insurance available in India?
Pet insurance in India is mainly available for dogs and cats.
What are the requirements for a pet insurance policy?
- Registration of the pet with the local government authority or Kennel Club of India.
- Filling the insurance proposal form and submitting photos of the pet.
- The pet must have received all vaccinations.
How is a pet insurance claim made?
Claims can be made in two ways:
- Cashless Claim: The insurance company pays directly to the hospital when the treatment is done at a network veterinary hospital.Reimbursement Claim
- The insured first pays all the bills and later gets reimbursed by submitting the bills and expenses to the insurance company.
What is the policy term of pet
The policy term usually ranges from six months to a year, depending on the insurance company and the plan.
Are pre-existing diseases covered in pet insurance policies?
Pre-existing diseases are not covered in most pet insurance policies.
Is coverage available for pet vaccinations?
Yes, coverage for pet vaccination is available in pet insurance policy.
How much time does it take for claim settlement?
For reimbursement claims, the insurance company reimburses the expenses within 30 days of submitting the bill.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.
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