AN OVERVIEW OF PET INSURANCE

What is Pet Insurance?

Pet insurance helps you pay for the high quality veterinary care you want for your pet. We cover pets for accidents, illnesses, wellness care, ongoing conditions, and more. Pet insurance is slowly but surely catching up in India. Pet Insurance schemes essentially pay for the veterinary costs in case one's pet falls sick or suffers an accident or injury. Some pet plan insurance products also make payments for loss or death of the insured pet. Pet medical insurance is essentially a risk mitigation strategy for guarding against significant medical expenditure for treatment of sick or injured pets. With the recent developments in the field of veterinary medicine the life expectancy of pets has increased, so did the cost of medical treatment. This has widened the market for pet insurance. Nowadays customized pet plan insurance programs are available for animals like cats and dogs.

It may be noted that Claes Virgin wrote the world's first policy on pet

insurance in 1890. Pet insurance policies worldwide are also available for livestock and animals like horses. Pet care insurance in India is still at a nascent stage. Most of the clients come from the super rich sections of society. However, the insurers foresee a huge untapped potential in this sector, in the coming years. Pet insurers put the number of pets at over 4 million, counted across 27 main Indian metros. The value of the Indian pet industry is estimated at above Rs 400 crore. Industry insiders in India expect pet insurance business to boom with the increased public awareness about the concerned schemes.

Oriental Insurance, a premier Indian insurance company, provides insurance for dogs, horses and elephants. Currently the other key players in the Indian pet insurance market are United India Insurance Co, National Insurance Co, Bajaj Allianz General Insurance and New India Assurance Co.

Usually the premium for pet insurance varies between three to five percent of the amount insured in India. Pet medical insurance plans in India normally provide coverage for death from disease, disability and sickness. Insurance coverage is also extended for public liability and accidental death of pets. Despite a boom in pet care facilities in India, the concept of pet insurance has not become popular here due to unorganised nature of this sector, say experts. While pet insurance is hugely popular in the western countries, it is still relatively unknown in India, as insurance companies do not advertise about it and a large number of people do not get their pets registered, they say.

"Pet sector is not organised in India. There is no proper care and vaccination for pets, due to which the death rate is high. Such high mortality rate repells the insurance companies and they hesitate to get in," says Dr Vishal Sharma, a citybased veterinary doctor. Majority of the insurance policies are dog-oriented, but other animals like elephants, cows, buffalos, cats, sheep, horses etc are also insured by different companies. Companies offering pet insurance in India include the Oriental Insurance, United India Insurance, National Insurance, Bajaj Allianz General Insurance and New India Assurance. "Pet insurance is not the priority of people. They think what will I get in return. If the dog is of Rs 3,000, we can buy another one if something happens to his one. There is no target audience as such so companies do not spend on costly advertisements also," says R S Madan, Chief Manager, Oriental Insurance. "Insurance has been there for costly racing horses. Buffaloes and cows in villages are insured as people depend on them for livlihoods. But for other pets, the situation is grim," says Madan. According to a research conducted by Research and Consultancy Enterprise (RACE) of Institute of Management Technology (IMT), Ghaziabad, there are about 2.2 million dogs in the Indian household with the population increasing by 26 per cent every year. The total pets are estimated to be around 4 million in India by experts. Internationally, pet insurance market seems to be experiencing a steady growth of about 10 per cent -15 per cent.

"Pet insurance is almost negligible at the moment. People want to get their pets insured as the cost of their treatment and maintainace have gone up. Also, there are not enough recognised hospitals that can recommend the expenditure on treating a pet," says Binoy Sahee, one of the organisers of the India International Pet Trade Fair. Pet health insurance pays the veterinary costs if one's pet becomes ill or is injured in an accident. Some policies will also pay out when the pet dies, or if it's lost or stolen. The purpose of pet insurance is to mitigate the risk of incurring significant expense to treat ill or injured pets. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased.

History of Pet Insurance Policy

The first pet insurance policy was written in 1890 by Claes Virgin. Virgin was the founder of Lnsfrskrings Alliance, at that time he focused on horses and livestock.[citation needed] In 1947 the first pet insurance policy was sold in Britain. As of 2009, Britain has the second-highest level of pet insurance in the world (23%), behind only Sweden. In 1982, the first pet insurance policy was sold in the United States, and issued to television's Lassie by Veterinary Pet Insurance (VPI).

How to Get Pet Life Insurance

Pet life insurance isn't the same as human life insurance. If your pet is covered when it dies, you will not receive any kind of payout. Instead, pet life insurance covers the costs associated with the end of a pet's life, such as cremation. Some policies can also include benefits for the owner, such as bereavement counseling.

Instructions
1. Get Pet Life Insurance to Prepare for a Worst-Case Situation
1.

Go over your current pet insurance policy to see if your coverage includes end-of-life benefits. If it does, it is unlikely that you need to buy additional life insurance.

2.

Search online to find a pet life insurance provider licensed to sell insurance in your state. If you are not sure if the insurer is licensed for your state, you can usually get that information from your state's licensing agency.

3.

Request quotes from the companies with policies that meet your needs. Most insurers provide online quotes that are available immediately. You can also get quotes over the phone.

4.

Compare all the insurance quotes that you receive. Consider the benefits available as well as whether the plan is affordable. You should also think

about whether you or your pet may have special needs and make sure those needs are met by any policy you choose.
5.

Buy the policy you have chosen. Most companies will offer you the option of purchasing online or over the phone. Your actual cost may not match the quoted price, because quotes are usually based on only limited information.

Features/ Benefits of pet insurance

Basically, pet insurance packages can be categorized into the following:

Routine care coverage This type of insurance covers most of your routine pet care needs. For example, you wont need to pay out -of-pocket for annual examinations and vaccinations. Routine care coverage is one of the cheapest forms of pet insurance. However, you need to be careful about choosing a package; make sure that the insurance premium does not exceed the cost of routine services. Basic Coverage for Specialized Services Basic pet care policies covers the cost of procedures that are outside the range of routine care insurance. This plan does not cover annual examinations and vaccination but it will pay for the cost of surgery, diagnostic testing, and visits to specialists among others. Premium Coverage for Specialized Services These have the same features as the basic plans but this offers higher reimbursements. To compensate for their service, the insurance premium you need to pay may also be significantly higher. All-Inclusive Insurance It covers everything from routine care to specialized care. The all-inclusive pet insurance offers the best coverage against unforeseen circumstances. Due to the breath of its offer, it is also the most expensive type of pet insurance policy.

The majority of pet insurance firms wont pay for pet care and medical procedures up-front. You would need to shell out the amount first and get reimbursement from the company later. In most instances, the reimbursement would be completed within a week or two at the most. In cases when the situation is a matter of life or death, veterinarians usually allow the pet owner to just pay a token amount. Then

the owner would need to ask the insurance firm to send the payment directly to the clinic. It is important to note that not all pet owners can take advantage of insurance. For pets with pre-existing conditions, for instance, very few insurers will offer coverage. Pets that have been treated for certain problems may not be eligible for reimbursement if the injury or illness is related to the first incident. If they do get a pet insurance, expect the cost to shoot up. It may even be better to just pay the bill yourself. Selection of the pet insurance depends on many things like your types of pet, pet age and condition, your budget and many things. You must need to protect your pet from the insurance because some insurance cover regular treatment so it will save lots of money from your pocket. The pet insurance has variety of features depends on the policy.

Some of the common features are:

1. Accident coverage:

The pet insurance cover accident coverage, once you enroll into pet insurance policy it will get effective from midnight. The coverage start begins 21 days from the effective date of premium.

2. No Co-insurance:

Under the no co-insurance the pet-insurance company can give coverage to dog and cats till at the age of 8. The co-insurance policy cover some percent of claim remaining claim would be bear by the pet owner.

3. Coverage for unlimited time period:

The pet insurance policy cover pet illness or treatment for the injury for unlimited time period. It is proved to be the best policy for your pet incase of sever injury or illness.

4. Age limitations:

The eligibility of the age of the pet is normally fixed up for 8 week.

5. Discount:

If you have more than one pet and you get medical treatment from the vet, you will get the discount of around 10 percent on each policy. 6. Vet Advise:

You must have to keep in touch with your veterinarian for vaccinations and regular medical treatment to keep your pet healthy. You must have to inspect your pet at regular interval.

7. Full Medical Coverage:

The pet insurance policy covers full (100 percent) medical coverage under the pet insurance program. The policy pay 100 percent claim after the deductibles as per defined limit. Normally the insurer would pay only 20 percent of the total claim.

8. Hereditary and Chronic Diseases Coverage:

The pet are also covered under the Hereditary and Chronic Diseases. The company provides 100% claim on the above diseases.

9. Comprehensive Coverage:

The comprehensive coverage will provide you various treatments like prescribed drugs, hospitalization, x-rays, operations, MRI/CAT scans, ultra-sounds, and other alternative treatments like acupuncture, homeopathic, chiropractic, chemotherapy and other treatments. The pet insurance is affordable one, one must have to get protection from the pet insurance.

Benefits of Buying Pet Health Insurance

There are many ways to protect your dogs, cats and other pets. You can use a sturdy outdoor fence system, make sure they are well fed and get enough exercise and also make sure that their medical need are met. With regard to the last sentiment, pet health insurance can help you to keep your pets in the best health possible. Here are some important benefits of buying pet health insurance.

Pet Medical Expenses Will Be Reduced

When you purchase pet insurance you will find that your pet medical expenses are greatly reduced. You wont have to be surprised at the cost of the office visit or surgery appointment when it comes time to pay. You will save money by paying a small monthly premium and paying much less when you need to take your pets to a veterinarian.

No Worrying About How to Pay For Medical Bills

The worry will also be less when you have pet health insurance. No longer will you have to fret about how you would pay for medical bills should your beloved pet get sick. You can rest easy having pet health insurance in your back pocket.

Will Help to Protect Older Pets

It is also beneficial to have pet health insurance when you have older pets in your home. As pets age, they may need to see their vet more often, which means more pet medical bills for you. With pet health insurance on your side, you will know that your older pets will be protected and their medical needs met.

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About Pet insurance

Pet insurance is slowly but surely catching up in India. Pet Insurance schemes essentially pay for the veterinary costs in case one's pet falls sick or suffers an accident or injury. Some pet plan insurance products also make payments for loss or death of the insured pet. Pet medical insurance is essentially a risk mitigation strategy for guarding against significant medical expenditure for treatment of sick or injured pets. With the recent developments in the field of veterinary medicine the life expectancy of pets has increased, so did the cost of medical treatment. This has widened the market for pet insurance. Nowadays customized pet plan insurance programs are available for animals like cats and dogs. It may be noted that Claes Virgin wrote the world's first policy on pet insurance in 1890. Pet insurance policies worldwide are also available for livestock and animals like horses. Pet care insurance in India is still at a nascent stage. Most of the clients come from the super rich sections of society. However, the insurers foresee a huge untapped potential in this sector, in the coming years. Pet insurers put the number of pets at over 4 million, counted across 27 main Indian metros. The value of the Indian pet industry is estimated at above Rs 400 crore. Industry insiders in India expect pet insurance business to boom with the increased public awareness about the concerned schemes. Oriental Insurance, a premier Indian insurance company, provides insurance for dogs, horses and elephants. Currently the other key players in the Indian pet

insurance market are United India Insurance Co, National Insurance Co, Bajaj Allianz General Insurance and New India Assurance Co. Usually the premium for pet insurance varies between three to five percent of the amount insured in India. Pet medical insurance plans in India normally provide coverage for death from disease, disability and sickness. Insurance coverage is also extended for public liability and accidental death of pets. For a lot of us pets are more domesticated animals. Pets are a part of our families, sharing the same love that is shared by the other members of the family. Therefore, if the members of the family get insurance shouldnt the pets get insurance too? Most of us animal lovers would agree. But what is pet insurance? Pet Insurance takes care of the veterinary costs if the pet becomes ill or is injured in an accident. However, the insurance policy does not pay for routine or preventative treatment. Some policies also cover death, theft or if the pet is lost. A dog insurance policy can help you cover losses to a third party in case your pet accidentally bites them or destroys their property.

How Pet Insurance Policy Works?

Pet insurance works in much the same way as any other type of insurance. You insure your home against damage or theft, you insure your car against much the same, sometimes you even insure yourself against illness or injury; the reason we do all this is to give ourselves financial peace of mind should the worst happen. With pet insurance, you are essentially paying to cover one of two things; either treatments on your pet by a registered vet or for help with the recovery of your pet should it be lost or stolen. There are different pet insurance types that you can take out depending on the kind of pet that you own and the type of coverage which you require. Once a policy is in place, pet insurance works in much the same way as any other type of insurance. You make financial contributions into your scheme every month after having agreed an excess and then if something should happen to your pet which requires you to pay out of your pocket (e.g. a surgery) you can claim for financial assistance from the insurer. The insurer will either liaise directly with the vet performing the procedure or will require receipts as evidence of how much money has been spent and what it has been spent on. It really is that simple. However, its not just an unlimited supply; most insurers will put limits on how much you can claim in a given year and many will put restrictions on how many times you can claim for a certain illness. Thus, the insurance may well not pay for everything but it will certainly help for the most part. How much you have to pay each month will vary from company to company, from policy to policy and from pet to pet. The cost of insuring a very

healthy animal will be a lot less than insuring an older animal which has a history of medical problems. This makes it just the same kind of discretionary process which medical insurers use when considering which human clients to take on. It may seem unfair but the insurers are ultimately trying to run a business and make a profit, thus they arent going to take on a client or a pet which they feel could present them with a potentially large payout. When applying for pet insurance you will need to disclose the previous medical history of your animal and copies of any certificates or vet examinations. The company will then use this information to determine how much it will cost you to insure your pet. When most people come to consider pet insurance, they feel as though they have already spent enough on feeding and housing their pet and cant quite bring themselves to part with the extra money for making monthly contributions to an insurance scheme. However, veterinary bills can sometimes be the most expensive aspect of keeping a pet so you could soon find yourself out of pocket if you are not careful. Many pet owners believe pet insurance is a variation of human health insurance; however, pet insurance is actually a form of property insurance. As such, pet insurance reimburses the owner after the pet has received care and the owner submits a claim to the insurance company. British policies usually pay 100% of vets fees, but this is certainly not always the case. It is typically more common to find UK pet insurance companies discounting their policies by offering their customers the chance to pay an excess fee, just like with motor insurance. Excess fees can range from 40 to 100. The excess is usually fixed by the insurer dependent on the amount of discount they are giving the buyer. In the future more flexible excess levels will probably play an important part of how much one pays for a pet insurance policy.

Policies in the United States and Canada either pay off a benefit schedule or pay a percentage of the vet costs (up to 90%), after reaching a deductible, depending on the company and the specific policy. The owner usually pays the amount due to the veterinarian and then sends in the claim form and receives reimbursement, which some companies and policies limit according to their own schedules of necessary and usual charges. For very high bills, some veterinarians allow the owner to put off payment until the insurance claim is processed . Some insurers pay veterinarians directly on behalf of customers. Most American and Canadian policies require the pet owner to submit a request for fees incurred. Previously, most pet insurance plans did not pay for preventative care (such as vaccinations) or elective procedures (such as neutering). Recently, however, some companies in Canada, the United Kingdom, and the United States are offering routine-care coverage, sometimes called comprehensive coverage. Dental care, prescription drugs and alternative treatments, such as physiotherapy and acupuncture, are also covered by some providers. There are two categories of insurance policies for pets: non-lifetime and lifetime. The first covers buyers for most conditions suffered by their pet during the course of a policy year but, on renewal in a following year, a condition that has been claimed for will be excluded. If that condition needs further treatment the pet owner will have to pay for that himself. The second category covers a pet for ongoing conditions throughout the pets lifetime so that, if a condition is claimed for in the first year, it will not be excluded in subsequent years. However, lifetime policies also have limits: some have limits per condition, others have limits per condition, per year, and others have limits per year, all of which have different implications for a pet owner whose pet needs treatment year after year, so it is wise to be clear which type of lifetime policy you are considering.

In addition, companies often limit coverage for pre-existing conditions in order to eliminate fraudulent consumers, thus giving owners an incentive to insure even very young animals, who are not expected to incur high veterinary costs while they are still healthy. There is usually a short period after a pet insurance policy is bought when the holder will be unable to claim for sickness, often no more than 14 days from inception. This is to cover illnesses contracted before the pet was covered but whose symptoms appeared only after coverage has begun. Some insurers offer options not directly related to pet health, including covering boarding costs for animals whose owners are hospitalized, or costs (such as rewards or posters) associated with retrieving lost animals. Some policies also include travel cancellation coverage if owners must remain with pets who need urgent treatment or are dying. Some British policies for dogs also include third-party liability insurance. Thus, for example, if a dog causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971.

The difference between companies

Many pet insurance companies are beginning to offer the pet owner more of an ability to customize their coverage by allowing them to choose their own level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best. The smart consumer will always check the details before signing up for a policy which may not suit the needs of your budget and/or your pet. There are a number of differences between pet insurance companies. These differences often impact the cost of the monthly premium or the way in which you would get reimbursed after a veterinary visit. Some of the main differences are: Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered; How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates); Whether there are any limits or caps applied (per incident, per year or over the pets lifetime); and

Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.

Multiple Pet Insurance

Benefits for Both Owners and Their Pets
The increase in multiple pet households is an indicator of how important pets have become in our lives. According to statistics from the 20072008 American Pet Product Manufacturers Association, nearly one-half of all dog owners own cats, and nearly one-half of all cat owners own dogs. As more people open their homes to pets, theyre becoming aware of both the health benefits of four-legged companions and the benefits of the pitter-patter of multiple sets of paws around the house.

More Animals, More Companionship

Having more than one pet means you reap the benefits of additional companionship, whether its petting another fuzzy head at the end of the day or making room for another four-legged friend on your bed at night. Not only does having more than one pet benefit you, but your other fuzzy friend benefits by having company when youre away from home. It also helps alleviate any guilt you may feel leaving your pets at home when youre working late hours or running errands.

More Pets = More Playmates

A cat or dog that is home alone can easily become bored without interaction from another furry friend, and act on their natural instincts to be naughty when they dont have a distraction. Having an extra set of paws aro und during the day allows your pets the opportunity to play and chase each other, and have some fun, too.

Pets Help Socialize Each Other

If you have a pet that is shy or timid around other people or animals, adding another pet to your home can help socialize your apprehensive pet, helping to modify his behavior and make him more outgoing. Also, having another pet helps teach your pet to share toys, territoryand most importantlyyour attention.

Helps To Ease the Pain

Having multiple pets in your home can help alleviate some of the pain should one of your pets pass away. Having another pet around during such sad times not only provides a sense of comfort, but can also help serve as your own personal support group.

Multiple Pets, Additional Savings

Remember, owning multiple pets is a choice that requires time, effort and responsibility. Veterinary Pet Insurance offers policies for dogs, cats, birds, reptile and other exotic pets, with multiple-pet discounts for families with two or more pets.

VPI (VETERINARY PET INSURANCE)

VPI is a longtime advocate of pet health and wellness, with a 14-year track record of industry-leading preventive care coverage.

As a strong supporter of proactive pet care, we're proud to be a member of the Partnership for Preventive Pet Healthcare. The mission of the Partnership is to ensure that pets receive the preventive healthcare they deserve through regular visits to a veterinarian.

Introduced at the 2011 American Veterinary Medical Association convention in St. Louis, Mo., Partnership members include: American Veterinary Medical Association American Animal Hospital Association Association of American Veterinary Medical Colleges 13 animal health companies representing pharmaceutical, pet food, pet insurance, corporate practice and distribution

A major objective of the Partnership is to address the increasing prevalence of serious diseases and the declining health of our nation's pets by enhancing pet owners' perceived value of preventive veterinary care.

Together with veterinarians like you, we can work to improve the health of pets everywhere.

PET INSURANCE IN INDIA- A FAR FETCHED IDEA

For long animals have been mans best friend, especially cats and dogs. But in a country where almost half of the population is uninsured, the daunting task of pet insurance seems like a far fetched dream. One even wonders regarding the amount of awareness prevalent among the masses about the pet insurance. Last year, Insurance Plus conducted a survey involving 100 pet-owners asking them regarding pet insurance and all they could respond was by asking do we have a pet insurance policy in the country?. Frankly speaking, I do not find this suprising considering that most of the compaines do not have pet insurance policies in their portfolios except the four GIC subsidiaries; National Insurance, New India Assurance,Oriental Insurance and United India Insurance. However, even these companies have a standard dog policy, which does not highlight any other animals. Further, there is no promotion of these policies as compared to the life and non-life sector. Compare this scenario with the international countries and one will wonder how far behind this situation in our country is. Internationally, pet insurance market seems to be experiencing a steady growth of about 10%-15% as against 5% growth of general insurance markets. Further down, this market is not just growing but animals are often left with hefty sums from their owners will. Britains pet insurance market is estimated at 1 million insured pets. One of the reasons, that this huge gap exits is because of the difference in pet buying procedure in India and abroad. For example, after a buying a pet, registration is compulsory (in Australia registration charges are $50 for desexed pet & $100 for non-desexed). Then the pet is micro-chipped on the back which on scanning provides its registration details (pet stores have all the animals micro-

chipped, if you purchase your pet from a breader then you have to pay for the micro-chipping process from your pocket which is about $150). Failing to register, the owner is liable to pay heavy fines. During this process, the animal registration officials provides pet owners with various Insurance policies. In India too we have pet registration process (registration charges start from Rs. 800 for dogs), however we do not have any facility of micro-chipping and the registration process is not compulsory. The few pets that are insured in India, mostly consists of dogs and elephants. For example, police dogs like Labradors and German Shepards are normally insured. Also, companies like United India Insurance insures elephants in Kerala. The company has provided insurance cover to over 50 elephants of the Guruvayur temple. The major problem according to me that exits, is the difference in pet plans being offered in India and abroad. For example, most pet insurance plans overseas include insurance cover for veterinarian bills, which contributes towards major expenses. Whereas, this is not the case with pet-insurance policies being offered in India. They just insure pets against death due to accident or disease. Extra premium charges would have to be paid to cover additional risks such as accidents, lost or stolen cases, etc. Another reason, is the non-existence of promotion and advertisements in relation to pet insurance policies, which is the main reason for poor awareness in our country. Besides, media advertisements Insurance companies can also collaborate with various kennel clubs across India which definitely would result in creating more wide-spread awareness regarding insurance policies for pets. Looking at the situation in India, it seems currently most of the animals is only insured from a commercial viewpoint. for instance, there are various insurance plans for animals like horses, cattles and poultry but none for household pets.

Why Pet Insurance Is A Must for Your Pets

Many pet owners know the benefits of pet insurance and why it is important for maintaining your pets good health. Like humans, a pet is also prone to getting sick or enduring injuries. When you think of how important medical insurance is for human beings, the same rings true for pets and pet insurance. Pet insurance Houston allows your pet to receive necessary treatments throughout their life and allows the pet owner to not stress about making timely medical bill payments. Now that you know why your pet needs pet insurance, you should know which pet insurance policy is the right one. Look at the policy terms of the pet insurance carefully and compare what you are getting with the price of the Pet Insurance San Diego policy. Make sure that it is worth the cost and you receive all coverage which you feel will be necessary to properly care for your family pet.

Make sure that you dont just pick the first pet insurance policy you come across. Thoroughly review the policy in addition to the pet insurance provider. You want to be sure that both the pet insurance and the policy provider are excellent overall. Pet owners should always obtain pet insurance for their pets. Doing so will make it more likely that medical bills for pet medical visits get paid and there is no stress revolving around how to pay for such bills. It also ensures that your pet will receive the treatment which he/she needs to stay healthy or get better should they become ill. There are plenty of Pet insurance Phoenix companies which offer such policies and you simply have to do a little searching in order to compile a list of potential insurance providers for pet insurance.

Types of Pet Insurance Coverage and Features Animal Bites

Getting bitten is not on the top of my list and Im sure its not on the top of your Cats list either. But if you have one or more outdoor cats there is the risk of them being attacked by another animal. Indoor Cats are at a much lower risk, unless you also own a nasty gerbil or two. Seriously, residential areas offer less of a danger from wild animals but if you live in a highly wooded or desert area you may want to consider the everyday dangers your cats have to deal with when stepping out the door. Here are some of the more common wild animals that offer a threat to your outdoor cat.

Snake Coyote Raccoon Squirrel Scorpion Fox Porcupine Ground Hog Skunk Rat If you feel the risk is significant for your cat, look for coverage of bite wounds, lacerations and the like. Treatment can run into hundreds if not thousands of dollars so ensuring you have the coverage for this type of incident is a smart move.

Car Accidents
We know your Cat doesnt drive, but if they are injured in a car a ccident are they properly covered for treatment? If your Cat frequently travels in the car with you check with your Car insurance to see if they offer any special riders for pets. Even if your Cat doesnt get into the car with you very often its something worth taking the time to look into just to be on the safe side.

Does your policy have a wellness plan?

A wellness plan is an essential part of any pet insurance policy. Its designed to cover things like physical exams, vaccinations and other regular check-ups. Older pets can be excluded for pre-existing conditions. Getting a policy for your pet when they are young will lessen the chance of any health problems being excluded.

Always go with a well established company

Always closely examine the company youre planning to buy a policy from. If they were recommended to you by a friend see if you can learn more about the company from them. Companies that have been in business for a long time are more stable and a better choice. Search for any reviews online and keep an eye out for any costumer complaints. Lastly, visit the Better Business Bureaus website at bbb.org. Search for the company and check their accreditation, rating and review.

Get coverage the day you buy it.

Some pet insurance companies will make you wait up to 30 days before certain aspects of you policy are covered. Try to get a pet insurance policy that begins the same day you buy it and has no needless delays associated with it.

Is your Cat covered when their away from Home

If you take you cat with you when you go places make sure your policy covers them when they are away from their home. If your cat normally stays home when you go out then its nothing to worry about although keep in mind that some insurance companies will slip in an exclusion that will not provide benefits for your cat when they are physically away from the premises.

Beware of quick repayment promises

Be aware of pet insurance companies that promise to process a claim as quickly as possible. Chances are youll never see yo u money. A reputable pet insurance company normally has a set period for repayments. Dont rely on false promises. Get actual steps you need to follow to processes a claim and the number of days youll have to wait for payment so youll know exactly when your money will arrive. This way youll know if its late or not and can follow up with the pet insurance company.

Cancellation Pet Insurance Penalties

If you decide to cancel your policy for what ever reason, there should be no penalties at all to worry about. In fact it would be a good idea to make sure the pet insurance company youre planning to use doesnt have something as ridiculous as a cancellation penalty. While youre at it see if they offer the ability to put your policy on hold for a certain period of time as well as reduce or increase the coverage or make any other changes with a simple phone call.

Get your pets medications before you travel

To save you some time trying to claim the cost of meds purchased from atypical locations, make sure youre stocked up on your pets meds before you go on any trips that your pet will be joining you on. Also plan ahead and make sure your cat is fully covered by your pet insurance if youre planning to go away for an extended period of time.

Look for discounts on Vaccinations

You can sometimes find vaccination clinics in your area put on by the ASPCA and the Humane Society where you can have your cat vaccinated at a lower rate. This can actually cost you less than a visit to your primary vet where you are covered by your pet insurance.

Always get a second opinion

If your vet is suggesting some costly treatments for your cat it always helps to shop around, even though you trust them and respect their opinion. Talk to your insurance company about your options and ask if they can suggest any other vets in your area you can visit. You may ultimately end up sticking with your own vet but it never hurts to get a few other opinions before making a final decision.

Find out if any breed-specific illnesses are covered for your Cat
If the breed of your Cat has hereditary, pre-existing or breed-specific conditions they may not be covered and this may be the coverage you need the most. Check with the pet insurance company to see if they offer coverage and what percentage they will cover. Also check if treatments as well as prescriptions are included in the coverage.

Search for reviews on pet insurance companies

Search online for the pet insurance companies youre interested in. The quickest way to find reviews is to enter the name of the company in the search box followed by the word review. You could also search on Pet insurance review to find any review sites that may have a review on the company youre looking for. Look for reviews from pet owners for an unbiased review and see how happy or unhappy they are in getting their claims processed, whether they get their money in good time or if they have to deal with any rejections of all or parts of their claim.

Learn about the underwriters behind the policy

Underwriters determine the risk of each policy that is created. Underwriters who are too conservative can lose business for a company and those that are to lenient can lose money for the insurance company. Learning how an underwriter asses risk for the different policies can give you some insight into the ability of the pet insurance company to make payment on future claims.

Ask about any limits on coverage

Some policies will place a cap or maximum amount on certain items that are covered in the policy. These caps can be for each treatment, for a health issue or for a maximum amount for the year. Its worth asking about any maximums in advance so you know youll have the coverage when you need it. Otherwise you may find yourself paying for something you thought was covered.

Can you use your own Vet

Some pet insurance companies have a specific list of Vets throughout the country that you can use. Other companies will let you choose the Vet you would like to use. Check to make sure your Vet is supported by the policy you re interested in. If not then ask if you can use your Vet. If the answer is no and you dont want to switch to one of the insurance companies Vets then find another policy that will let you use the Vet you want.

In Closing
This list should give you some new ideas to add to whatever must have list youve got going before setting out to find the optimum pet insurance policy for your cat. While youre hunting around, take some time and review each policy very carefully. Finding a policy with the features you want at a price you can afford will make you and your cat very happy. Pets health has been around since 1997 offering customizable pet insurance coverage for cats based on four increasing levels of protection. They also offer a ten percent savings if you buy coverage for multiple pets. In this review well take a look at the different plans Pets health Care Plan has to offer you and your cat and the coverage their policies provide.

How does policy will help?

The purpose of pet insurance is to mitigate the risk of incurring significant expense to treat ill or injured pets. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets health care and standard of living than pre viously, the market for pet insurance has increased.

Which animals can be covered?

In India, pet insurance largely means insurance for dogs and cats, and that too for pedigree dogs and cats. There is some special insurance available for

horses. However, other countries have insurance covers available for exotic pets like chameleons and turtles.

What are the types of coverage available?

One can select different types of pet insurance policies, based on individual needs, pets and budgets. The following are the various types of pet insurance policies:

Lifetime cover: This policy covers expenses related to a pet contracting any long-term or chronic illness. The illnesses covered in this policy include arthritis, eczema or any other sickness that requires your pet to be treated by a vet for a long period of time. Under this type of policy, a policyholder is entitled to a specific sum of money every year. This maximum limit can be reset when the policy is renewed. This cover is especially available for pet insurance bought for dogs and cats.

Time-limited cover: Through this cover, pet owners receive financial protection for a specific period after a pet suffers an injury or contracts any disease that requires him/her to be treated by a vet. This cover is usually cheaper than the lifetime cover and is extremely popular among people who own crossbreed cats and are worried about incurring high treatment costs.

Money-limit cover: Through this cover, pet owners can receive monetary benefit for every condition that falls under the purview of pet insurance coverage. There is no time limit and a policyholder can claim for as long the money limit is not reached. This cover is generally costlier than the lifetime cover, but cheaper than the time-limited cover. In India, Pet Insurance is not yet popular. One of the reasons is that Insurance Companies actively do not advertise such covers. Insurance companies do not promote pet insurance because identification of the pet/ pedigree has always been a problem. However, if a pet owner seeks a cover and produces the necessary documents/certificate, insurance companies admit the proposal. Also, another reason for the unpopularity of such insurance is that a pet cover provides protection against death due to accident or disease, but does not cover the vets bills. In India, you can get your pet insured for any amount ranging from Rs. 2,000 to Rs. 50,000 depending on the breed and the insurance company. Also, most pet insurance policies in the country are dog oriented. This is also because many species of birds and animals are not allowed as pets in India. Insurance is mainly done for pedigreed dogs which are rare or valuable or both. Therefore, even though pet insurance is yet to catch up in India, it will surely pick up its pace in the coming years.

Classification Of Pet insurance

Pet Health Insurance
Pet insurance has been available to pet owners for about twenty years. Pet insurance generally covers conditions from minor to life threatening, from routine check-ups to emergencies. Policy choices offer varied degrees of coverage and benefits. Insurance can provide a family with the assurance that the care their pet needs can be afforded. As you consider pet insurance, shop carefully and ask your veterinarian for advice.

Health insurance for pets is gaining attraction these days. Newer and improved insurance policies that cover regular check-ups and routine care have been introduced. In a economic sense the pet insurance coverers the unexpected and the uncertain and expensive costs that might occur for your pet. Mostly pets will never need such care, but what if an unexpected accident or internal injuries could happen and you be slammed with a bill of $2,000. Now this is where you have to think.

Some pet health insurance plans. Please visit the links for more information 1. Union Plus Pet Health Insurance Protect against the unexpected cost of your pets' illnesses or injuries with Union Plus Pet Insurance. 2. Union Plus Pet Health Care Savings Cut the cost of routine veterinarian services for all the pets in your

household. Join the Union Plus program with Pet Assure and save 25% every time you visit a veterinarian in Pet Assure's growing network of participating veterinarians. There are no forms, no pet exclusions, no deductibles. And you'll save up to 30% on other pet services such as pet boarding, pet supplies, pet sitting, pet training and more.

3. Alumni Pet Health Insurance A wide variety of affordable protection plans to suit any dog or cat, on any budget.

A Beginner's Guide to Pet Health Insurance

Every year, more than one in three pets will fall ill or get injured. And although veterinarians can do amazing things, the fact remains that an unplanned surgery or a trip to the emergency room can run into the hundreds or thousands of dollars in a very short amount of time. But many of us are not financially prepared to afford the level of care that modern veterinary medicine can provide in treating our pets. With pet health insurance, pet parents never have to choose between an expensive but necessary treatment and a pets life.

Your Choice of Veterinarian

Pet insurance plans in the United States generally permit you to see any veterinarian you like, including specialists and emergency veterinarians. There are no networks of any kind. Some pet insurance plans also will also reimburse you for veterinary fees incurred in Mexico, Canada, and other countries if you go on vacations with your pet.

What Does Pet Health Insurance Cover?

Most pet insurance plans provide coverage for the following: Treatment for accidents, illnesses, and diseases Cancer and chemotherapy Surgery, hospitalization, and nursing care Laboratory and diagnostic tests including X-rays and MRI scans Medication and drugs Some pet insurance plans also provide coverage for: Treatment for genetic and breed-specific conditions Chronic and recurring conditions Alternative therapies such as acupuncture, holistic therapies, and homeopathic therapies There may be limited coverage for prescription foods and behavioral therapies, depending on the particular plan.

You may also be able to purchase coverage for routine care coverage that reimburses you for vaccinations, office visits, and spaying or neutering. Routine care coverage can be convenient because it helps you channel your pet health expenses through one avenue.

What Does Pet Health Insurance Not Cover?

Pet insurance usually does not pay for: Cosmetic, elective, or preventive procedures such as tail docking, ear cropping, or declawing (except where medically necessary) Veterinary fees related to pregnancy, whelping, or breeding Experimental treatments Pre-existing conditions Orthodontic and endodontic procedures such as root canals or crowns

Will Insurance Cover a Condition my Pet Already Has?

A pre-existing condition is one that your pet had, was diagnosed with, or showed symptoms of before being enrolled. Unfortunately, pet insurance does not cover pre-existing conditions, although you may still be able to get coverage for other conditions. Its usually best to enroll your pet before she or he develops any kind of major condition or illness.

How Does Pet Health Insurance Work?

Using your pet insurance plan is pretty easy. Sign up via internet or phone Pass through the waiting period Visit and pay your veterinarian for treatment Submit a claim Receive a reimbursement check

Typically reimbursement takes 10 to 15 days. This means youll usually receive your reimbursement check well before your credit card bill comes.

Are There Discounts Available?

Many pet insurance plans make discounts available for: Enrolling multiple pets Enrolling a service dog (like a guide dog) Enrolling microchipped pets Paying in full each year for your policy Being full-time in the military Belonging to a group such as a company or organization

A Vet's Take on Pet Health Insurance

Pet health insurance is an important issue to should discuss, and there has been a fair amount of research into this issue over the course of the last few years. In general, it is said that the vast majority of veterinarians are favorably disposed to the idea of pet health insurance. In fact, there is some pretty good data from the DVM Newsmagazine State of the Profession market research study conducted in 2006 that demonstrates just how vets feel about insurance.

Here are two interesting tidbits from that study:

76% of respondents reported that they would like to see greater use of pet health insurance by clients. 56% of respondents actively promote pet health insurance to clients. When you look at the demographic breakdown of the respondents in item one above you also see an interesting trend: younger female veterinarians view pet insurance more positively. A full 81% of them support the wider use of pet health insurance. Since most veterinarians entering primary practice these days are female, from the vets perspective, the future prospects for pet health insurance look good. Veterinaries .are interested in pet health insurance, but only if it offers what the client actually needs and does so in a straightforward manner. If a client is

unhappy after they have filed a claim because it turns out they did not understand the terms of their policy, it can reflect negatively on the vet. No vet wants to be in that position. Another interesting piece of data from the DVM Newsmagazine study dealt with the percentage of cases handled where cost either limited the treatment or was the cause for treatment being denied. Veterinarians reported that cost limited their treatment options 23% of the time, and in 14% of cases treatment was denied altogether due to financial constraints. When cost of treatment is an issue, 37% of the time the quality of veterinary care suffers, and animals end up suffering as a result. That is the primary reason veterinarians tell me they want to see greater use of pet health insurance by clients. They want to be able to provide the best care available. They want to be able to do what they were trained to do. Veterinary medicine has grown increasingly sophisticated over the last decade, in particular. The cost of some services and diagnostic procedures has also risen. And bear this in mind: the ultra sound machine the vet uses is made by the same company that makes the one your own physician uses. The vet does not get a discount on the machine because he or she makes less money per year than the average physician. Pet health insurance can help relieve the financial burden on the client and allow them to access the best care available. Peace of mind is a valuable thing when it comes to your pet.

How does pet insurance work?

In many ways, pet insurance plans aren't much different from what's available for humans. Most cover accident and/or illness, and some have preventive medicine options available as well. They all have a deductible, and all have exclusions for certain preexisting or breed-common conditions. Be sure to read the fine print. For instance, most act just like human insurance companies and cover only what they deem eligible, less deductible and co-pay. In other words, your reimbursement may be far smaller than you think it should be.

Ask the right questions before you buy

Just as with human health insurance, there are some fairly major differences among policies, so make sure you get the answers to the following questions (along with any others you may have) before you sign on the dotted line:

Do I pay first, then get reimbursed?

You will probably have to pay your dog's medical bill at the vet's office, and then get reimbursed by your pet insurance company. Make sure that's the case, and learn just how simple (or not!) the claims process is, and the average time it takes to get your reimbursement check.

Can I use any vet, or a network of providers?

If there are certain doctors you must choose from in order to get reimbursed, make sure your favorite vets are on the list.

How hefty is the deductible?

The lower the deductible, the higher your monthly premiums will be, and vice versa. And see if there's a limit on the number of claims or visits you can make in a year (or over the life of the policy). If your dog is prone to eating things she shouldn't, take note that some companies only allow surgical removal of ingested items once every 12 months.

Does the insurance plan end when my dog reaches a certain age?
Many policies are designed only for young, relatively healthy dogs. You may need a different policy entirely for an older dog or one with a chronic condition (and those are available, too).

When does coverage begin?

Does it kick in immediately, or does it require a visit to the vet first? Almost every plan has a waiting period of at least a few days for certain conditions some are as long as a year.

Is there a cap on coverage?

It can be as low as a few thousand dollars annually or as high as tens of thousands--but know before you sign.

How long is the policy in effect?

Unlike human health insurance, pet policies tend to be short-lived; most are only a year long and are renewable only with the company's approval. Most reputable companies won't count illnesses that were treated during the previous coverage period as preexisting conditions, but you'll want to be sure about that.

So is pet insurance right for me?

In the end, pet insurance will be right for some and not right for others. Give some thought to your dog's specific needs, like chronic conditions and age. Consider your finances, too. A full-coverage plan for illness and injury will cost much more than an accident-only plan. And don't overlook the value of preventive care coverage, especially for younger pups. If you do decide you want to purchase pet insurance, once you have a list of the conditions you want coverage forand the monthly premium you can affordits much easier to wade through all the pet insurance plan options. With rising veterinary costs, there is an increasing demand for health insurance for pets, although this product is currently not available. On the other hand, pet life insurance which is available, finds hardly any takers.

Pet health insurance as a product is not available in India today due to the small market size of pet insurance. Due to the high costs of maintaining a pet and due to ever-increasing veterinary expenses, there will be a considerable number of people opting for pet health insurance in the next two years, said Dr Ashok Patil, Head-Rural Insurance, Bajaj Allianz General Insurance. In two years' time, it is hoped, there will be some pet health insurance products in the market.

Pet LIFE INSURANCE

People opting for pet life insurance are usually from the rich or uppermiddle classes who have expensive pets at home. (Dogs and cats are usually grouped under the category of pets. Horses, sheep, cattle, cows and buffaloes are grouped under livestock.) Regional offices of insurance companies in rural areas find many farmers taking an insurance policy for their farm animals. Different policies and covers are available for different animals. Our pet insurance policy provides insurance to dogs against death due to accident or due to disease except rabies, canine distemper and leptospirosis, which the pet can be vaccinated against, said Mr Deepak Bhalerao, Chief Regional Manager, Oriental Insurance. The dog is insured up to its market value. Its market value should be certified by a vet and also photographs from all angles of the pet need to be provided. For dogs, we charge a premium of five per cent, he added. For other bigger animals, metal tags are attached to them for identification. Takers of pet insurance are at present very few, but insurance companies see a huge potential in this niche product offering. We insured (life) about 200 pets last year (five per cent of this figure is cats, the remaining are dogs). We have seen an increase of about 10-15 per cent over the last year. This year, we have already insured over 100 pets, said Dr Patil, who says that out of Bajaj Allianz General Insurance's total premium of Rs 2,905 crore, about 8.50 per cent is generated from rural areas (under which category both pet and livestock insurance are clubbed).

ADVERTISING

Since the demand for pet insurance is not much at present, insurance companies are not devoting much time or money towards advertising and marketing costs. According to some insurance companies, nobody specifically comes looking for pet insurance and therefore they are not even putting up the insurance policy on their Web sites. Oriental Insurance offers pet life insurance. Looking at the trends, many insurance companies are exploring the option of including pet health insurance in the future. People who opt for pet life insurance will be prospective buyers for the health insurance cover, said an official from an insurance company who did not wish to be named. On an average, pet owners spend around Rs 2,000-3,000 on treatment of their pet every time it falls sick. I am emotionally attached to my dog and do not treat it as a financial asset. But I would go in for health insurance because medical expenses are skyrocketing, said a pet owner.

Pet insurance in India a far-fetched idea !!

For long animals have been mans best friend, especially cats and dogs. But in a country where almost half of the population is uninsured, the daunting task of pet insurance seems like a far fetched dream. One even wonders regarding the amount of awareness prevalent among the masses about the pet insurance. Last year, Insurance Plus conducted a survey involving 100 pet-owners asking them regarding pet insurance and all they could respond was by asking do we have a pet insurance policy in the country?. Frankly speaking, I do not find this suprising considering that most of the compaines do not have pet insurance policies in their portfolios except the four GIC subsidiaries; National Insurance, New India Assurance, Oriental Insurance and United India Insurance. However, even these companies have a standard dog policy, which does not highlight any other animals. Further, there is no promotion of these policies as compared to the life and non-life sector. Compare this scenario with the international countries and one will wonder how far behind this situation in our country is. Internationally, pet insurance market seems to be experiencing a steady growth of about 10%-15% as against 5% growth of general insurance markets. Further down, this market is not just growing but animals are often left with hefty sums from their owners will. Britains pet insurance market is estimated at 1 million insured pets. One of the reasons, that this huge gap exits is because of the difference in pet buying procedure in India and abroad. For example, after a buying a pet, registration is compulsory (in Australia registration charges are $50 for de-sexed

pet & $100 for non-de-sexed). Then the pet is micro-chipped on the back which on scanning provides its registration details (pet stores have all the animals microchipped, if you purchase your pet from a breeder then you have to pay for the micro-chipping process from your pocket which is about $150). Failing to register, the owner is liable to pay heavy fines. During this process, the animal registration official provides pet owners with various Insurance policies. In India too we have pet registration process (registration charges start from Rs. 800 for dogs), however we do not have any facility of micro-chipping and the registration process is not compulsory. The few pets that are insured in India, mostly consists of dogs and elephants. For example, police dogs like Labradors and German Shepards are normally insured. Also, companies like United India Insurance insures elephants in Kerala. The company has provided insurance cover to over 50 elephants of the Guruvayur temple. The major problem according to me that exits, is the difference in pet plans being offered in India and abroad. For example, most pet insurance plans overseas include insurance cover for veterinarian bills, which contributes towards major expenses. Whereas, this is not the case with pet-insurance policies being offered in India. They just insure pets against death due to accident or disease. Extra premium charges would have to be paid to cover additional risks such as accidents, lost or stolen cases, etc. Another reason, is the non-existence of promotion and advertisements in relation to pet insurance policies, which is the main reason for poor awareness in our country. Besides, media advertisements Insurance companies can also

collaborate with various kennel clubs across India which definitely would result in creating more wide-spread awareness regarding insurance policies for pets. Looking at the situation in India, it seems currently most of the animals is only insured from a commercial viewpoint. for instance, there are various insurance plans for animals like horses, cattles and poultry but none for household pets. This could only mean that most insurance companies are too busy cashing in on life and non-life policies and have not realised the immense potential that this market holds.

Pet insurance yet not popular in India

Despite a boom in pet care facilities in India, the concept of pet insurance has not become popular here due to unorganized nature of this sector, say experts. While pet insurance is hugely popular in the western countries, it is still relatively unknown in India, as insurance companies do not advertise about it and a large number of people do not get their pets registered, they say. "Pet sector is not organized in India. There is no proper care and vaccination for pets, due to which the death rate is high. Such high mortality rate repels the insurance companies and they hesitate to get in," says Dr. Vishal Sharma, a citybased veterinary doctor. Majority of the insurance policies are dog-oriented, but other animals like elephants, cows, buffalos, cats, sheep, horses etc are also insured by different companies. Companies offering pet insurance in India include the Oriental Insurance, United India Insurance, National Insurance, Bajaj Allianz General Insurance and New India Assurance. "Pet insurance is not the priority of people. They think what will I get in return. If the dog is of Rs 3,000, we can buy another one if something happens to his one. There is no target audience as such so companies do not spend on costly advertisements also," says R S Madan, Chief Manager, Oriental Insurance. "Insurance has been there for costly racing horses. Buffaloes and cows in villages are insured as people depend on them for livelihoods. But for other pets, the situation is grim," says Madan.

According to a research conducted by Research and Consultancy Enterprise (RACE) of Institute of Management Technology (IMT), Ghaziabad, there are about 2.2 million dogs in the Indian household with the population increasing by 26 per cent every year. The total pets are estimated to be around 4 million in India by experts. Internationally, pet insurance market seems to be experiencing a steady growth of about 10 per cent -15 per cent. "Pet insurance is almost negligible at the moment. People want to get their pets insured as the cost of their treatment and maintenance has gone up. Also, there are not enough recognised hospitals that can recommend the expenditure on treating a pet," says Binoy Sahee, one of the organisers of the India International Pet Trade Fair. Another factor is that a lot of people own pets which are not costly enough to lure insurance companies. "Dogs in India are not much costly, You can get a pet in Rs 3,000 easily. Since number of such pets is higher, companies do not find them attractive as the premium for them is very low," says Dr Vishal. He recounts an incident when a pet owner abandoned it due to increasing medical cost. "A man admitted his dog in my clinic in critical condition. After a few days, he stopped taking our calls as the medical expenditure was shooting beyond his limit. Pet insurance in this case could have been handy for him," says Dr Sharma. According to Sahee, its right time for the insurance companies to tap this market. "Pet owners are increasingly becoming more concerned about their pet's

welfare. Veterinary doctors also employ modern and expensive techniques and drugs for treatment. Both these factors result in a high maintenance cost of pets. So, it makes sense for insurance companies to seize the opportunity," he says.

THE NEW INDIA ASSURANCE CO. Ltd (wholly owned by

govt. of India)

Dog insurance scheme

Highlights Dogs in the age group of 8 weeks to 8 years are insured. 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 methods : Tattooing Nose Print Photograph Normal identification marks and breed, sex, age etc., should be clearly described in the Veterinary Certificate. Cost of identifications 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 % of sum insured.

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.

Common Exclusions : As per Cattle Insurance

Specific Exclusions : 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. Diseases contracted prior to and within 15 days of commencement of risk. 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.