This policy covers the following
- Death due to accident
- Illness contracted while the policy is in effect
- Treatment expenses
- Accident while in transit (via rail, air or road)
- Loss/ theft of the pet
- Incapacitation
- Accidental poisoning
- Third Party liability

- Behavioral therapies
- Loss due to theft or straying
- Advertising + reward
- Boarding kennel fees
- Death from illness or injury
- Vacation cancellation

- Willful or malicious injury to the pet
- Injury or illness arising out of neglect or unskillful handling of the pet
- Loss or injury due to war, foreign hostility, revolution, rebellion, military upheaval, etc.
- Death due to rabies, distemper, Viral Hepatitis, Viral Enteritis, Leptospirosis, etc.
- Illness that has been contracted prior to taking the policy.

 

The coverage is usually provided for a period of one year.

This depends on the breed and other related factors.

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 claim process for a Pet Insurance policy involves notifying the insurance company of veterinary expenses and submitting the necessary documentation to initiate a claim. Here's a general guide along with a checklist:

Pet Insurance Policy Claim Process:

• Contact the Insurance Company: Inform the pet insurance company about any veterinary treatment or expenses that may be covered by the policy. Follow the specified notification process outlined in your policy document. This could involve contacting a helpline or using an online claims portal.
• Obtain Claim Form: Request a claim form from the insurance company. Many insurers provide claim forms on their websites or through their customer service.
• Complete Claim Form: Fill out the claim form accurately and completely. Include all necessary details about the veterinary treatment, diagnosis, and other relevant information.
• Gather Supporting Documents:
  
  Collect all required supporting documents. The specific documents may vary, but common requirements include:
  Veterinary invoices and receipts.
  Medical records and reports.
  Proof of identity of the pet owner.
  Any other documents specified in the policy.
• Submit Documentation: Submit the completed claim form along with the supporting documents to the insurance company. Ensure that all documents are legible and valid.
• Claim Evaluation: The insurance company will evaluate the claim based on the provided documents, the veterinarian's reports, and the terms of the policy.
• Claim Decision: The insurer will communicate the decision regarding the claim. If approved, details about the reimbursement or payout will be provided.

Pet Insurance Policy Claim Checklist:

• Completed Claim Form: Fill out the claim form with accurate and detailed information.
• Proof of Identity: Copies of your identification documents as the pet owner.
• Veterinary Invoices and Receipts: Provide copies of invoices and receipts for the veterinary treatment.
• Medical Records and Reports: Include relevant medical records and reports from the veterinarian.
• Pet's Identification Details: Include information about your pet's identification, such as microchip details.
• Communication Records: Keep records of all communication with the insurance company regarding the claim.
• Treatment Authorization (if required):
If your policy requires pre-authorization for certain treatments, ensure that you have obtained the necessary approvals.
• Any Other Documents as Specified: Include any additional documents specified in the policy.

Always refer to your specific Pet Insurance policy documentation for the exact requirements and procedures related to claims. Following the instructions accurately and providing the necessary documentation promptly will help facilitate a smooth and successful claim process for your Pet Insurance policy.