How to Get Pet Insurance for Dog?

You will be surprised to know that certain dog breeds like Labrador Retrievers have webbed feet that make them natural swimmers. Also, dogs have an extraordinary sense of smell and an incredible hearing capacity. They can detect scents from miles away, which is why they are used in search and rescue operations, and can hear frequencies as high as 65,000 Hz, compared to humans at 20,000 Hz. This makes them excellent watchdogs and alert animals.

If you are a proud owner of this incredible four-legged fur baby, remember to get a pet insurance policy from Bajaj General Insurance to cover the medical costs and other expenses. This guide will assist you in purchasing a pet insurance policy step-by-step.

Why Should You Consider Pet Insurance for Dog?

With an increase in veterinary costs and other surgery expenses, you must purchase a pet insurance policy for your furry baby.

• Protection from high medical costs: Simple conditions like infections or accidental injuries to your dog might cost you thousands of rupees and might be a burden for families. At such times, a pet insurance policy covers expenses for medical treatments.
• Stay worry-free: You need not worry about the high cost of medical expenses as insurance will take care of it. Instead, focus on how quickly your dog will recover.
• Comprehensive health coverage: Pet insurance policies cover medical expenses, as well as surgery costs, diagnostic tests, vaccinations, etc. It helps you to maintain and take good care of your dog’s health.
• Third-party liability benefits: What if your dog accidentally injures someone or damages the property of your neighbour? Pet insurance will save you from all the legal trouble that you would otherwise have to face.
• Coverage against lost pets: Some policies also provide an agreed amount if your pet is lost.
• Suitable for all dog breeds: Pet insurance policies are suitable for all types of dogs – whether large or small, or mixed or pure breeds.
• Easy claim process: Pet insurance policies from Bajaj General Insurance provide quick and easy claims so that you can be reimbursed quickly after a medical treatment.

Thus, pet insurance is essential because it provides an easy way to look after the health of your dog without getting stressed financially.

Step-by-Step Guide: How to Get Pet Insurance for Dog in India

To purchase a pet insurance policy for your four-legged pal, follow these steps:

Step 1: Understand If Your Dog Is Eligible

First, check if your dog can be insured as many companies have an entry and exit age for insuring dogs. Also, your dog should be vaccinated and healthy.

Step 2: Search For Various Insurance Providers And Choose The Best One

There are many companies that offer pet insurance in India. Visit their websites and compare what each policy covers, what is the premium amount, the coverage offered, etc.

Step 3: Understand The Coverage Amount You Need And Any Additional Covers That Are Necessary

Understand the type of coverage you need and any additional covers that need to be purchased. For example, Bajaj General Insurance offers

• Hospitalisation and surgery costs
• Death due to illness or accident
• Theft or straying of your dog
• Third-party liability
• OPD visits and vaccinations

Step 4: Fill In The Application Form On The Website Of The Chosen Insured

You will need to enter your personal details and your dog’s information like age, breed, gender, vaccination status, whether the dog has an RFD chip, and its 5 clear photos from different angles, along with a newspaper showing the date.

Step 5: Submit The Required Documents

These documents are required when purchasing a pet insurance policy:

• Proof of vaccination
• A self-declaration that your dog is healthy
• Pedigree certificate and purchase invoice
• Medical test reports

Step 6: Pay The Premium Amount Online

Once you have chosen the plan, you may proceed with the payment. The premium amount will depend on the age of your dog, its breed, coverage amount and whether the dog is vaccinated and has an RFID tag. Pay the amount online.

Step 7: Policy Will Be Issued Immediately

Once the payment is successful, the policy will be issued immediately. Your insurer will also mail you the policy documents. You will need the policy document or the policy number during the claim process, so keep it safe.

Step 8: Understand The Claim Process And Renew On The Due Date

Understand the claim process: whether it is cashless or you will be reimbursed. In case you need to file a claim, initiate the process as quickly as you can so that your claim is not rejected. Check for the renewal date and renew pet insurance policy on time so that your dog is always protected.

Conclusion

Getting a pet insurance policy for your dog protects the well-being of your dog without draining your savings. As a responsible pet parent, purchase pet insurance from Bajaj General Insurance today so that you can focus on the happiness and health of your dog. Its loyalty deserves true love and complete protection.

FAQs

1. Is pet insurance for dogs really necessary in India?

Yes. Veterinary care costs are rising, and pet insurance ensures you can provide quality treatment without financial stress.

2. Can I buy pet insurance online for my dog?

Yes. Insurers like Bajaj General Insurance allow you to buy pet insurance online in just a few minutes. You’ll need to provide your dog’s details, vaccination history, and required documents.

3. What factors affect my dog’s insurance premium?

Age, breed, size, chosen sum insured, and coverage options all influence the premium. Discounts may be available for RFID-tagged pets.

4. Does pet insurance cover routine vaccinations?

Routine vaccinations are generally not covered unless mentioned. However, keeping them updated is mandatory to maintain coverage validity.

5. Can older dogs get insured?

Yes, but there are age restrictions. For example, Bajaj General Insurance offers entry up to 7 years for most breeds and up to 4 years for giant breeds, with renewals possible until 10 years (6 years for giants).

6. What is not covered under pet dog insurance?

Exclusions typically include pre-existing conditions, non-veterinary treatments, elective surgeries, and illnesses arising from missed vaccinations.

*Standard T&C apply

**Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

***Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.