Pet Insurance

Best Pet Insurance for your Dog

Pet insurance plans that suit best your Dog well being

Pet Insurance

What is a Pet Insurance?

Pet insurance is an insurance policy that is customized to cover the veterinary expenses of your pet. A pet without insurance can be expensive to maintain. So, pet insurance gives you the assurance that you don’t face any financial issue and your pet continues to be happy and healthy.

Why would you need Pet Insurance?

What’s in it for you?

Currently we cover pet insurance for Cats, Pets, Cattles and Birds. We cover treatment costs of specified diseases or injuries as well as surgeries, hospitalization or death due to illnesses or accidents. We also cover the theft/loss or straying of the pet and we provide protection against third party legal liability of pet owner including the legal costs for defending the claim

WHY PETJINY?

Petjiny is an initiative started by a group of pet lovers and animal welfare activists in order to protect animal from harm. It all began six years ago when our team members used to spend time around stray pets, cats and cows and started feeding them. With God’s grace and blessings, we have been able to rescue and rehome a few pets and cats. Providing a nurturing environment, we ensured that these precious souls are well taken care of, medically treated, and allowed to flourish. Witnessing the transformation of scared and abandoned animals into happy and beloved companions has been a source of immense joy and fulfilment for us. Our pets are our family. We do everything we can to take care of them. We ensure that our pets are well-fed, trained well, get enough of space to run and be fit and, of course, get showered with love and attention. So we thought about including them in the circle of protection that insurance offers, with Petjiny.

PETJINY PET INSURANCE PLAN PROVIDES EXTENSIVE COVERAGE WITH MULTIPLE BENEFITS

Covers your pet, between the ages of 3 months to 10 years, over their lifetime 

[Note: The premium of this insurance plan would depend upon the age, breed and gender of the pet. Pets are classified into either Small, Medium, Large or Giant sizes based on the breed of the pet.]

2) No Waiting Period for Accidents

3) Extra 5% Discount on RFID Tagging

If your pet has a micro-chip or is RFID tagged, you get extra savings of 5% on your premium

Pre Policy-Medical Check Ups

There’s no need of mandatory pre-policy medical tests for your pet, even if your pet is at a higher age. There will be some waiting periods for certain diseases, though.

IMPORTANT POINTS TO NOTE BEFORE BUYING PET INSURANCE

INCLUSION

There’s no need of mandatory pre-policy medical tests for your pet, even if your pet is at a higher age. There will be some waiting periods for certain diseases, though.

Surgery Expenses and Hospitalization Cover

This is the only mandatory cover in this product which includes

 

Mortality Benefit Cover

This optional cover allows you to file a claim up to the SI (Sum Insured) that you’ve opted for in case your pet unfortunately passes away due to an illness, an accident, from breeding, pregnancy or due to euthanasia prescribed by the vet. The mortality benefit cover also pays you INR 3,000 for the cremation/burial of your pet.

Terminal Diseases Cover

This optional cover provides you a lump sum compensation of INR 30,000, if your favourite pal is diagnosed with any of following critical illnesses:

Long Term Care Cover

The optional long term care cover provides you a lump sum compensation of INR 25,000, if your furry friend is diagnosed with any of following illnesses, which requires long term care:

OPD Cover

If your pet gets injured due to an accident, or contracts the diseases mentioned below, our optional OPD pet cover will be of great use. The diseases that are covered include:

This cover protects you up to an expense of INR 30,000.  However, a deductible of 10% of the Claim amount, subject to a minimum of INR 1000, is applicable on every claim.

Third Party Liability Cover

Where there are pets there are bound to be accidents. If your pet happens to be the cause of a mishap that results into an injury, death, disease or property damage of someone else, this cover will have your back for the legal liability, if you opt for it.  Further, we will also protect you against the legal costs of defending a claim.  You can opt for a Sum Insured of either INR 5 lakhs or INR 10 lakhs under this cover.

Third Party Liability Cover

Where there are pets there are bound to be accidents. If your pet happens to be the cause of a mishap that results into an injury, death, disease or property damage of someone else, this cover will have your back for the legal liability, if you opt for it.  Further, we will also protect you against the legal costs of defending a claim.  You can opt for a Sum Insured of either INR 5 lakhs or INR 10 lakhs under this cover.

Theft/Straying/Lost Cover

An optional cover, you are eligible to claim for this if your pet goes missing up to the SI (Sum Insured) that you’ve opted for. Further, this cover allows you to offer a reward of up to INR 5000 to anyone who can help you find your precious pet.

Upon the occurrence of a loss, you will have to immediately report the loss to the Police Authorities and get a General Diary entry lodged as well as register the incident with us.  You would need to make full efforts to find your pet for at least 45 days including, if necessary, advertisements in local newspapers, and this cover insures you against such advertisement cost to the extent of INR 1000 as well.

EXCLUSIONS

 Surgery Expenses and Hospitalization Cover

Specific Exclusions applicable to Section 1A (Surgery):

The Company will not indemnify the Insured under this Section for the cost incurred in relation of the following:

  •     Any Surgeries which are not necessitated due to any Accident/Illness
  •     Any Surgeries done to cure congenital defects/deformities 
  •     Cataract Surgeries for Giant breeds over 5 years of age and for all other breeds over 7 years of age. (Can be covered in Plan B) 
  •     Any surgeries related to procedures like hysterectomy, spaying and castration unless medically required due to an illness/accident or the costs claimed are for treatment of complications arising from such procedures
  •     Any Surgery done in relation to pregnancy or whelping
  •     Dental Surgery not arising out of an accident 
  •     Any Surgery done in relation to Grooming
  •     Cosmetic, aesthetic or elective Surgery including tail docking, declawing, removal of eyelashes, cropping of ears or any other procedure not related to Illness or Injury
  •     Any Surgeries for removal of any abnormal growth such as a wart or an abscess 
  •     Any Surgeries related to skin diseases 
  •   Any experimental Surgeries 
  •     Cost of artificial body parts and/or prosthesis.

Mortality Benefit Cover

  1.     If your pet is put to sleep due to aggression unless this can be attributed to an illness and can be certified by a veterinary doctor.
  2.   If death results due to Kidney failure for Giant breeds over 5 years of age and for all other breeds over 7 years of age. (Can be covered in Plan B)
  3.     Claims arising due to the intentional slaughter, irrespective of any order by Government, Local Authority or any person having jurisdiction in the matter.


    *NOTE:

    ✓        Mortality Benefit Cover will not be available for Giant Breeds over the age of 4 years and all other Breeds over the age of 7 years, except if renewed with us without break.
    ✓        Death due to Terminal diseases or any other Illness won’t be payable once payment under Terminal Diseases section has been made.

     

Terminal Diseases Cover

  1.   If your pet dies before the completion of 30 days from the date of diagnosis of the above listed Terminal diseases
  2.   More than one claim shall not be honored under this section during the lifetime of your pet.

 *NOTE:

✓        Terminal Diseases Cover will not be available for Giant Breeds over the age of 5 years and all other Breeds over the age of 7 years. (Can be covered in plan B)

✓        Terminal Diseases Cover ceases for the lifetime once claimed under the policy.

Long Term Care Cover

More than one claim shall not be honored under this section during the lifetime of your pet.

OPD Cover

  1.   Any claim related to Glaucoma shall not be payable under this policy.
  2.   Any claim arising out of a surgery conducted on your pet.

 *NOTE:

[OPD Cover will not be available for Giant Breeds over the age of 4 years and all other Breeds over the age of 7 years, except if renewed with us without break]

Third Party Liability Cover

  • Claims where no liability is established by a competent Court or Tribunal or Forum constituted under Law.
  • Any damages, costs and expenses where the injury or damage was caused by the deliberate acts or omissions of you or members of your family, employed by you, including staff/care-taker.
  • Any compensation cost and expenses if the incident happens in an area or place where pets are specifically prohibited, unless your pet escapes and enters the area outside of your control.
  • Compensation or legal costs if the injured person is part of your family, lives in your home or is paid to look after your pet or is paid to train your pet.

Theft/Lost/Straying Cover

  1.     For any claim not supported by evidence of any sort of advertising done to find your lost pet.
  2.     Reimbursing any money you spent trying to find your pet if we have not agreed to the way you are doing this.
  3.     Any reward to anyone who is a member of your family or household residing with you or by any person employed by you.

*Special conditions:

  1.     Upon the happening of a loss, you will have to immediately report the loss to the Police Authorities and get a General Diary Entry lodged.
  2.     Every effort shall be made to trace out your pet including, if necessary, advertisement in local newspapers.
  3.     You shall intimate the Company by registering a theft/stolen incidence within 24 hours from the event of loss. You shall furnish the claim intimation number once you submit the final claim document in event of no trace of your Pet within 45 days.
  4.     If your Pet is not found within 45 days from the date of disappearance in spite of various attempts, submit a claim for Theft or Straying to us (no later than one year after the date your pet went missing).
  5.     If your pet is found or subsequently returned, you must repay the full amount that has been paid under this cover of the policy.

 *NOTE:

[Theft/Lost/Straying Cover will not be available for Giant Breeds over the age of 4 years and all other Breeds over the age of 7 years, except if renewed with us without break]

 * Note :

[For the Mortality Benefit Cover and Theft/Lost/Straying Cover, you may choose any Sum Insured up to a maximum price (which depends upon the breed of the pet and whether the pet is a pedigree or non-pedigree). If you wish to choose a Sum Insured which is applicable only for a pedigree pet, you need to provide us a certificate from Kennel Club of India (KCI) for proving the pedigree lineage. If you wish to choose a Sum Insured which is beyond the maximum price, you need to provide us an invoice or any other proof of purchase price.]

DOCUMENTS TO BE SUBMITTED WHILE BUYING INSURANCE FOR PETS IN INDIA

If you are planning to secure your pet from the uncertainties of life, here’s a quick rundown of the documents required to buy pet insurance coverage:

  •       Duly filled pet insurance proposal form
  •       Diagnostics test result in case the customer chooses PIN cover. This will be effective from the succeeding day
  •       Description/details about the unique pet and that help to identify the pet
  •       A self-declaration on timely vaccination of the insured pet
  •       If the sum insured above the maximum price is as per the pricing matrix opted by the insured, a purchase proof is required
  •       If the customer has selected the pet of pedigree lineage, a pedigree certificate is required

 Note: 

[Basis the type of pet covered; the insurer may relax specific documentation requirements. The list may vary from insurer to insurer.]

Special Conditions

 In case you are applying for a pet over the age of 4 years, you will have to opt for either: 

Presenting the medical test reports of the pet conducted in the last 7 days for the following medical tests; such as Bio-chemistry test, Circulatory blood count, urine test and chest X-Ray. 

Or

 No cover for the initial 90 days of the policy period from the date of inception of the policy for any Surgery, Hospitalization, Mortality, Terminal Diseases, Long Term Care or OPD related covers with respect to following illnesses:

 

Illness Name

  •       Liver dysfunction
  •       Kidney dysfunction
  •       Pancreatic Dysfunction
  •       Cushing’s Syndrome
  •       Diabetes
  •       Thyroid Dysfunction
  •       All types of Cancers and tumours
  •       Meningitis
  •       Epilepsy
  •       Peritonitis
  •       Inflammation of Prostate Gland
  •       Coagulation Disorders
  •       Cardiac Dysfunction
  •       Otitis
  •       Hip Dysplasia
  •       Ascites
  •       Parvo Virus Infection
  •       Distemper
  •       Canine Leptospirosis
  •       Upper Respiratory Tract Infection
  •       Urinary Tract Infection
  •       Vestibular Disorder
  •       Pneumonia
  •       Pyometra
  •       Osteo Arthritis
  •       Venereal Granuloma
  •       Insulinoma
  •       Hematoma in ear
  •       All Eye Related Problems

CLAIM PROCESS

If an unfortunate event does occur, and you need to make a claim, simply call on our toll free
number 1800-209-5858 within 24 hours of the event. 

Some of the documents you may need during the claim process include:

    •       Duly completed claim form
    •       Vaccination Certificates 
    •       Death Certificate along with coloured photographs of the deceased pet (in case of claim under Mortality Benefit Cover)
    •       Vet Medical Papers and Bill (in case of claims under Surgery Expenses & Hospitalisation Cover, Mortality Benefit Cover, Long Term Care Cover and OPD Cover)
    •       Copy of General Diary Entry lodged by Police (in case of claim under Theft/Lost/Straying Cover)
    •       FIR (in case of claim under Third Party Liability Cover)
    •       Copy of advertisement (in case of claim under Theft/Lost/Straying Cover)
    •       Hospital bill (in case of claim under Hospitalization)
    •       Court Orders (in case of claim under Third Party Liability Cover)
    •       Diagnostics Report (in case of claim under Terminal Diseases Cover, Long Term Care Cover and OPD Cover)
    •       Coloured photos of your pet with the newspaper as on the date of Claims Registration, with the date of the newspaper visible.
    •       If your pet has an RFID Tag/ Microchip, a colour photo of the RFID Tag, which clearly captures the identification number will work too.
    •       Any other documents if required by the Company to process the claim