What Would You Do If your Dog Needed Emergency Surgery?
Pet insurance is akin to health insurance for humans, but it’s tailored for our beloved furry companions. With the rising costs of veterinary care, pet insurance ensures that pet owners don’t face financial strains, allowing them to prioritize their pet’s health and well-being.
Understanding the Need: Many might question the necessity of pet insurance. However, consider the following:
- Routine healthcare expenses for a dog, including vaccinations, deworming, and minor illnesses, can range from ₹6,000 to ₹10,000 in the first year and an average of ₹5,000- ₹7,000 annually thereafter.
- The initial costs of raising a dog, encompassing healthcare, grooming, food, and other essentials, can amount to ₹54,700. Recurring expenses can reach up to ₹80,000 annually.
- For cats, veterinary fees, medicines, and vaccinations can cost around ₹5,000 per year, while essential food and grooming expenses can be around ₹5,000 per month.
- Avg. Vet visit in india ₹2700.
- On Avg. cost of dog surgery in india can range from ₹5,000 – ₹30,000, with more complicated surgeries costing up to ₹ 1 Lac
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Why Pet Insurance?
Financial Security
With escalating veterinary expenses, pet insurance ensures you don’t have to compromise on your pet’s health due to financial constraints.
Promote Optimal Health
Ensures your pet receives the best healthcare when required.
Accident Coverage
Even with utmost care, pets can get into accidents. Pet insurance provides coverage for such unforeseen events.
Tips for a Healthy Pet
Vaccination
Vaccinate your pet against potential diseases.
Annual Vet Visits
Regular check-ups can detect potential health issues early
Spaying/Neutering
Consider spaying or neutering your pet
Parasite Prevention
Ensure your pet is free from parasites like ticks and fleas. Seek treatment if they’re infected.
Maintain Ideal Weight
Regularly monitor your pet’s weight and consult a vet for diet adjustments if needed.
Benefits of Pet Insurance
Here are a few important things to note about your pet health insurance plan.
If you still have questions, you can check out pet insurance explained.
Financial Stability
Provides financial protection during your pet’s sickness or other medical conditions like dental treatments and insect-borne diseases.
Quality Healthcare
Allows you to opt for the best treatments without worrying about costs. Some plans even offer annual health check-ups.
Coverage for Miscellaneous Losses
Some policies offer coverage if your pet is stolen, lost, or causes third-party damages.
Support for Expensive Treatments
Critical illnesses can be costly. Pet insurance ensures you can afford the best treatment for your pet’s recovery.
Accident Preparedness
Accidents are unpredictable. Pet insurance acts as a safety net during such times.
Overseas Protection
Some plans offer coverage during travels, ensuring your pet is protected even abroad.
Pet Insurance in India: A Deeper Dive
The Indian Context: India, with its rich cultural tapestry, has always had a special place for animals. From the streets bustling with stray dogs and cats to households that treat pets as family members, the bond between humans and animals is profound. As the urban population grows and awareness about animal welfare increases, the demand for top rated pet insurance has seen a significant rise.
Market Dynamics: The pet insurance market in India is still in its nascent stages compared to Western countries. However, with the increasing number of pet adoptions and the rising costs of veterinary care, there’s a growing realization of its importance. Several insurance companies have started offering specialized plans catering to the diverse needs of Indian pet owners.
Coverage Offered
Indian pet insurance policies typically cover
Accidental Injuries
From fractures to wounds sustained in accidents.
Illnesses
Including hereditary, congenital, and chronic conditions
Hospitalization
Costs incurred if a pet needs to be hospitalized.
Surgery & Critical Care
Major surgeries and intensive treatments
Vaccinations & Preventive Care
Some premium policies cover routine check-ups and vaccinations.
Third-party Liability
In case the pet causes harm or damage to third parties
Exclusions: It’s essential to note that pet insurance policies might not cover pre-existing conditions, specific breeds prone to hereditary diseases, or treatments like behavioral therapy.
Premium Factors
The premium for pet insurance in India depends on
Type of Pet
Dogs might have different premium rates compared to cats or exotic pets
Breed
Some breeds are more susceptible to certain illnesses
Age
Older pets might have higher premiums due to increased health risks
Health History
Pets with a history of illnesses might attract higher premiums
Claims, Inclusion & Exclusions
In the event of a claim, pet owners need to inform the insurance company, provide relevant medical records, and, in some cases, a detailed veterinarian report. Once verified, the claim amount is disbursed, ensuring the pet gets the required treatment without delays.
How Will I Get Paid For A Claim?
Our aim is to provide fast and efficient claims service to ensure payment to you for any valid claim as quickly as possible. Approved claims will be paid directly to your account.
Are The Claims Available Outside India?
The Cover Provided Under This Policy Is Restricted To Claims Occurring In India. The Obligation Of The Company To Make A Payment Or Shall Make Payment In Indian Rupees Only.
Can I Go To Any Vet?
You Can Go To Any Vet You Like In India. We Won’t Interfere With Your Veterinary Visits As Long As They’re Licensed To Provide Veterinary Care
Are There Any Exclusions In The Policy?
Yes, There Are Exclusions In The Policy, Like Pre-existing Conditions, Cosmetic Procedures, Etc. But Our Comprehensive Coverages Include A Lot More To Safeguard Your Dog’s Health.
What Are Pre-Existing Conditions & Are They Covered?
Anything Your Pet Has Shown Signs Of Before You Opt For The Policy Is Considered A Pre-existing Condition. We Don’t Cover Pre-existing Conditions Currently, But We’ve Got Your Back For Future Illnesses Or Accidents.
Is There Any Entry Age Limits For Dog Insurance?
Eligibility Criteria: Small, Medium, And Large Breeds
Entry Age – 6 Months Onwards Up To Age Of 7 Years
Exit Age – 10 Years Giant Breeds Entry Age – 6 Months Onwards Up To Age Of 4 Years
Exit Age – 6 Years
What Happens After You Enroll For Dog Health Insurance?
Once you have purchased the policy, you will receive the Policy schedule, Premiums Receipt, Policy coverage and Terms & Conditions, etc.