Inclusion:

• Surgery
• Pre-Surgery
• Post-Surgery

This cover allows you to claim surgery expenses for treatment of your dog, when carried out by a qualified vet. It also gives your pet cover for pre and post surgery expenses, so that they can recover comfortably.

Waiting Period:

For claims arising due to accident - None

For claims arising due to illnesses - 30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Exclusion:

• Skin-bone diseases
• Elective/cosmetic / Birth defect rectifying surgeries
• Dental
• Spaying or Neutering.

Terminal Diseases cover provides you a lump sum compensation of INR 30,000, if your pet is diagnosed with certain critical illnesses.

• Cancer
• Kidney failure
• Coagulation disorders
• Cardiac dysfunction
• Distemper
• Leptospirosis

Waiting Period:

30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Exclusion:

Pet dies before the completion of 30 days from the date of diagnosis. Terminal diseases cover ceases for the lifetime once claimed under the policy.

This cover allows you to file a claim up to the Sum Insured in case of your dog’s death away due to an accident or illness or due to euthanasia advised by the vet. The cover also pays you INR 3000 for the cremation/burial of your dog.
To be paid if pet dies because of :

• An illness
• Accident
• Euthanasia, with the approval of the vet
• If death results from breeding, pregnancy or giving birth

Waiting Period:

For claims arising due to accident - None

For claims arising due to illnesses - 30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Exclusion:

• If the Insured dog is put to sleep due to aggression unless this can be attributed to an Illness and can be certified by a Veterinary Doctor.
• 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, under Plan A.

To be paid in case of the dog being lost or stolen or strayed and no recovery having been made after 45 days despite appropriate attempts to trace the Insured dog including advertising and reward.

Principal Sum Insured:

• Customer allowed to chose any Sum Insured upto the maximum price as specified within a breed-wise pedigree-wise pricing grid (prepared by BAGIC), without providing any additional documents.
• For choosing a Sum Insured higher than the pricing grid, customers need to provide a purchase invoice or other proof of price of the pet dog.
• For choosing the Sum Insured applicable to a pedigree dog but higher than that applicable for a normal breed, Customers.
• Need to produce a KCI Certificate for proving that their pet is a pedigree dog.
• Max Sum Insured cannot exceed Rs.1,00,000

Additional Sum Insured:

• Upto Rs. 1000 for advertising in a local newspaper or other approved expenditure.
• Upto Rs. 5000 as Reward for recovery of pet.

Inclusion:

This cover will safeguard you financially for the expenses incurred if your pet has to be hospitalized, subject to a maximum of INR 2500 per day of hospitalization for a maximum of 4 days.

Waiting Period:

For claims arising due to accident - None

For claims arising due to illnesses - 30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Inclusion:

This cover allows you to cover treatment of your pet’s fractured limbs.

Waiting Period:

For claims arising due to accident - None

For claims arising due to illnesses - 30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

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

• Ascites
• Glaucoma, Epilepsy
• Diabetes, Pancreatitis
• Cushing’s syndrome
• Thyroid dysfunction
• Inflammatory bowel disease

Waiting Period:

30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Exclusion:

Claim will be made once in lifetime.

This cover can be availed if your pet gets injured due to an accident, or contracts diseases other than terminal diseases.

• Meningitis
• Hepatitis/Liver Dysfunction
• Pneumonia
• Peritonitis
• Inflammation of Prostate Glands
• Pyometra
• Vestibular Disorder
• Eye Related Problems except for Glaucoma
• Parvo virus
• Any bodily Injury to the Insured dog arising out of accidents

Deductible:

10% of the claim amount, subject to a minimum of INR 1000, on each claim.

Waiting Period:

For claims arising due to accident - None

For claims arising due to illnesses - 30 days

Note:

For dogs over 4 years can either:

Present the medical test reports (below) of the dog conducted in the last 7 days, to get waiting periods mentioned above.
or
Not present the medical test reports and the waiting period will be 90 days for the covers and diseases(below).

Medical Test Reports

Covers And Diseases

Exclusion:

• Any Claim related to Glaucoma shall not be payable under this Section.
• Any Claim arising out of a Surgery conducted on the Insured dog.

• Legal Liability due to compensation by claimant because of bodily injury, death, sickness or disease or property damage to any third party caused by pet.
• Legal costs and expenses for defending a claim.

Principal Sum Insured:

• The customer can chose between a Sum Insured of Rs.5,00,000/Rs.10,00,000.

Specific Exclusions:

• If the incident happens in an area or place where dogs are specifically prohibited unless the Insured dog escapes and enters the area outside of Insured’s control.
• Compensation or legal costs if the injured person is part of insured family, lives in their home or is paid to look after the Insured dog or is paid to train the Insured dog.
• All Vets, dog trainers, kennel employees, dog breeders, dog shop owners if the incident has occurred in the course of conducting their profession/occupation.