Pet Insurance

Pets are cherished members of our family as well as crucial members in case of commercial breeding. But what if your pet gets sick? What if your pet gets injured? What if your pet needs to undergo surgery? To cater to all these “what ifs”, we bring to you-HDFC ERGO Paws n Claws, a pet insurance which prioritizes the health and wellbeing of your beloved pet. We provide plans tailored for your pets every need, ensuring that in case of an unforeseen health crisis, your pet receives the best possible care without having to worry about hefty veterinary bills. By opting for pet insurance, you can give your furry companion the care they deserve without worrying about hefty bills. Don’t wait for the unexpected, safeguard your pets’ health with pet insurance today.

Why HDFC ERGO Paws n Claws

At HDFC ERGO, we prioritize the health and well-being of your beloved pets, thus bringing to you insurance plans tailored for your pet’s unique needs. With HDFC ERGO's Paws n Claws Pet Insurance plans, get :

All-round protection for cats and dogs

Customizable plans that cover OPD as well

Audio & video veterinary doctor consultations

Covers up to 5 pets for individual owners

Covers up to 10 pets for a commercial breeder

Types of Pets Covered

Cat Insurance

Tailored for our feline friends, the Paws n Claws Cat Insurance ensures comprehensive coverage, catering to veterinary expenses, accidents, and offering specialized care options. Because your cat's well-being matters, choose a plan that fits their unique needs.

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Dog Insurance

Dedicated to our canine friends, Paws n Claws Dog Insurance provides holistic coverage, including medical treatments, surgeries, and preventive care. Choose a plan that prioritizes your dog's overall health and happiness.

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Our Pet Insurance Plans

Comprehensive Plan

A plan designed to provide an all-encompassing safety net for your furry companions. This plan includes coverage for illnesses, injuries, surgeries, diagnostic tests, medications, and even OPD expenses. With a focus on your pet's well-being, our policy ensures that your beloved pet receives the best care without financial stress.

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Make Your Own Plan

Recognizing every pet's uniqueness, we empower you to craft a personalized insurance plan. Tailor coverage to meet your pet's distinct health needs by selecting specific benefits. Take control of your pet's well-being with our "Make Your Own Plan" option, providing customized care that aligns with your preferences and budget.

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Third Party Liability

Accidents can happen anytime, and your playful pet might unintentionally cause harm or damage. Our Third Party Liability plan covers you for legal liabilities arising from injuries or property damage caused by your pet to others. With this coverage, you can rest assured knowing that both legal costs are taken care of, ensuring peace of mind for you and protection for your furry friend.

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Illness

Our policy extends coverage to both major and minor illnesses, ensuring your pet's well-being by addressing a variety of health concerns diagnosed by veterinary professionals.

Injury

Protect your pet from unexpected accidents and bites by covering the costs associated with injuries caused by other animals or accidental incidents.

Surgery

In the unfortunate event that your pet requires surgery, our policy covers a comprehensive list of surgeries, providing financial assistance for necessary medical interventions.

Treatment expenses

This coverage includes diagnostics, a broad spectrum of procedures from Outpatient to Emergency care, and comprehensive medical coverage, including Injections, ensuring your pet's overall well-being.

Illness or injury from Commercial Activities

This coverage insures injuries and illnesses arising out of racing, coursing, commercial guarding, and any occupational, professional, or business use of the insured pet.

Trip cancellation

This coverage includes financial loss incurred for domestic travel on non-refundable travel & accommodation costs, as well as rescheduling by the pet owner and their spouse in case of an admissible claim. *Applicable only for expenses incurred on domestic travel.

Funeral Expenses

In case of the death of the pet, this coverage provides reimbursement if a claim was admissible in the same policy year.

Veterinary consultation

This coverage includes four vet-on-call and two video call services per policy.

Third-Party Liability

This coverage includes expenses incurred by the pet owner for legal claims or lawsuits for bodily injury or property damage caused by the pet. This is our base offering (minimum necessary coverage). Compare with alternative

The above mentioned coverage may not be available in some of our plans. Please read the policy wordings, brochure and prospectus to know more about our Pet insurance plan.

Routine check-up

This policy does not cover Vet Visit Fees for routine check-ups, diagnostics, or vaccinations.

Pre-existing disease

Claims related to the treatment of pre-existing diseases and their complications are not covered.

Homeopathic or herbal medication

The policy excludes claims associated with homeopathic or herbal medication.

Preventive treatment

Coverage does not extend to routine preventive treatments such as vaccinations, castration, bathing, grooming, nail clipping, dental scaling, etc.

Cosmetic treatment

Treatment for cosmetic or psychological reasons is not covered unless medically required to restore functionality.

Pregnancy-related expenses

Expenses related to pregnancy, complications, termination, birth, or puppy rearing are excluded.

Tips to Keep Your Pet Healthy and Happy

Regular Veterinary Check-Ups

Just like humans, pets require regular health check-ups to ensure they are healthy. These visits can help catch any potential health issues early on. Your vet can also provide valuable advice on your pet’s diet, exercise, and overall care. Regular vaccinations and preventive treatments for parasites like fleas and ticks are also crucial for your pet’s well-being.

Balanced Diet

Feeding your pet a balanced, nutritious diet is essential for their health. The right diet varies depending on the pet's age, breed, and health condition. Avoid overfeeding to prevent obesity, which can lead to health issues. Always have fresh water available.

Regular Exercise

Regular exercise is vital for keeping your pet physically fit and mentally stimulated. Dogs, for example, need daily walks, while cats benefit from play that encourages natural behaviors like hunting and climbing.

Dental Care

Dental health is often overlooked but is crucial for pets. Poor dental hygiene can lead to serious health issues. Brush your pet’s teeth regularly and provide dental chews or toys that help clean their teeth.

Mental Stimulation

Mental health is as important as physical health. Provide toys, puzzles, and games that challenge your pet mentally. Training sessions also offer mental stimulation and strengthen the bond between you and your pet.

Regular Grooming

Regular grooming helps keep your pet’s coat and skin healthy. It's also an opportunity to check for any abnormalities, such as lumps, bumps, or signs of fleas. For certain breeds, professional grooming may be necessary.

How to Claim Pet Insurance

The claim process of HDFC ERGO pet insurance is an easy 4 step process. We provide claims on a reimbursement basis. Kindly notify us within 24 hours for mortality benefits or major illness, and within 72 hours for other sections specified in the Policy.

1

Intimation

Intimate claim to care@hdfcergo.com or call 022 6158 2020

2

Checklist

care@hdfcergo.com will share a checklist of documents required for reimbursement claim

3

Share documents

Send the documents to Claims Department, HDFC ERGO General Insurance Company Limited, D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078.