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.
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
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.
[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.]
If your pet has a micro-chip or is RFID tagged, you get extra savings of 5% on your premium
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.
Our Pet Insurance Provides Various Benefits For Your Pet:
[Please note that in order for the coverage to be valid, your pet needs to be vaccinated throughout the policy period.]
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.
This is the only mandatory cover in this product which includes
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.
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:
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:
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.
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.
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.
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.
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:
*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.
*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.
More than one claim shall not be honored under this section during the lifetime of 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]
*Special conditions:
*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.]
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:
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:
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:
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