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Home / Pet Insurance / Cat Insurance

Cat Insurance

A cat brings great joy and companionship to our lives, but it also comes with significant responsibilities. Our aim at HDFC ERGO is to give you peace of mind, knowing that your beloved pet will receive the best possible care without the hassle of unexpected medical expenses.

With HDFC ERGO Cat Insurance, you're not just purchasing a policy; you're investing in your cat's well-being and ensuring a lifetime of happiness together. From routine check-ups to emergency treatments, our insurance coverage is designed to support you through every step of your cat's healthcare journey. Explore our cat insurance plans today and give your cat the care they deserve.

Why Do I Need Cat Insurance?

Financial Security

Veterinary care costs can often catch pet owners off guard, especially during emergencies or when facing chronic illnesses. With HDFC ERGO Cat Insurance, you're safeguarding your finances against unexpected medical expenses.

Comprehensive Coverage

From common ailments to more complex medical conditions, our cat insurance offers comprehensive coverage. Whether your cat needs diagnostic tests, hospitalization, surgeries, or ongoing medications, HDFC ERGO has you covered.

Customization

Every cat is unique, with its own set of health requirements. Whether your cat is prone to certain conditions or requires regular treatments, you can tailor your coverage accordingly. Choose from our comprehensive plan or customize a plan that addresses your cat's individual healthcare needs

Peace of Mind

Worrying about the financial burden of veterinary care can detract from the joy of pet ownership. HDFC ERGO Cat Insurance provides you with peace of mind, allowing you to focus on what matters most – providing love and support to your cat.

Your Pet’s Health

Having pet insurance can help you concentrate on your pet's health rather than the expense of veterinary treatment. With pet insurance, you won't have to worry about how you will pay for a costly surgery for your cat. Instead, you will be able to afford treatment without any significant financial burden.

Key Features

Key Features	Benefits
Digital On-boarding	Enjoy a hassle-free and convenient onboarding process with HDFC ERGO's pre-underwritten cat insurance policy.
Coverage for Multiple Pets	HDFC ERGO's cat insurance policy allows you to cover up to 5 pets under a single policy, making it convenient for households with multiple furry companions & cover up to 10 pets for commercial breeders.
Comprehensive Coverage	This feature ensures that your cat is covered for various medical needs, including diagnosis, surgery and medication arising due to injuries or illness.
Customizable plans	Choose from a variety of coverage options and add-on benefits to create a plan that suits your budget and provides the coverage your cat needs.
Trip Cancellation Cover	You're financially protected if you need to cancel a trip due to your cat's medical emergency.

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, budget.

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Embark on a journey of worry-free pet ownership today!

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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.

Coverage for illness or injury from Commercial Activities

This coverage allows pet owners to insure their pets for 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 on non-refundable travel and accommodation costs, as well as incremental costs for 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.

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.

Protect your furry friend today and gain peace of mind knowing they're covered for all their medical needs. Get started now by exploring our customizable plans online!

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Eligibility Criteria for Cat Insurance

To ensure that your cat is eligible for HDFC ERGO Cat Insurance and to provide comprehensive coverage, there are certain criteria that must be met:

Age Requirement

Cats must be at least 6 months old to be eligible for enrolment. The maximum entry age for coverage is usually 5 years old. However, this age limit can vary depending on the specific policy terms.

Health Condition

Pre-existing conditions are generally not covered under cat insurance. Read policy wordings to know more.

Vaccination Status

Your feline friend should have received basic vaccinations to protect them from various diseases and ensure they're healthy. Read policy wordings to know more.

Looking for the most affordable Pet Insurance for your furry friend? Look no further!

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Tips To Keep Your Cat Healthy And Happy

Nutritious Diet

Providing your cat with a balanced and nutritious diet is essential for their overall health and well-being. Choose high-quality cat food that is appropriate for their age, weight, and specific dietary needs. Ensure that their diet includes essential nutrients such as protein, vitamins, and minerals. Avoid feeding them excessive treats or human food, as this can lead to obesity and nutritional imbalances. Additionally, always provide fresh, clean water to keep them hydrated and healthy.

Regular Veterinary Care

Schedule regular check-ups with your veterinarian to monitor your cat's health and address any potential issues early on. These check-ups should include vaccinations, parasite prevention, dental exams, and overall wellness assessments. Your veterinarian can guide on preventive care measures and offer tailored advice based on your cat's individual needs. Building a good relationship with your vet ensures that your cat receives the best possible care throughout their life.

Environmental Enrichment

Enrich your cat's environment with stimulating activities and resources to keep them mentally and physically engaged. Provide a variety of toys, scratching posts, and interactive play sessions to prevent boredom and encourage natural behaviours. Create vertical spaces for climbing and perching, as well as hiding spots for privacy and security. Rotating toys and introducing new challenges can help keep your cat stimulated and entertained.

Grooming

Establish a regular grooming routine to keep your cat's coat healthy and free from mats and tangles. Brushing their fur helps remove loose hair and reduces the risk of hairballs, especially in long-haired breeds. Trim their nails regularly to prevent overgrowth and potential injuries. Additionally, clean their ears and teeth as part of their grooming regimen to prevent infections and dental problems. Grooming sessions also provide an opportunity to bond with your cat and strengthen your relationship.

Behavioural Observation

Pay attention to your cat's behaviour and body language to identify any signs of illness or distress. Monitor their appetite, litter box habits, and activity levels for any changes that may indicate underlying health issues. Cats are masters at hiding signs of illness, so it 's crucial to be observant and proactive about seeking veterinary care if you notice any abnormalities. Early detection and treatment can significantly improve the prognosis for many health conditions.

Safe Environment

Create a safe and secure environment for your cat by removing potential hazards and providing a comfortable living space. Keep toxic plants, household chemicals, and small objects out of reach to prevent accidental ingestion. Ensure that windows and balconies are securely screened to prevent falls, and use cord organisers to prevent strangulation hazards. Providing a safe environment promotes your cat's physical safety and emotional well-being, allowing them to thrive in their home environment.

How to Claim Cat 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.

Intimation

Intimate claim to care@hdfcergo.com or call 022-62346234 / 0120-62346234

Checklist

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

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.

Claim settlement

The settlement will be offered within 30 days of receipt of all documents & on being satisfied with the admissibility of the claim.

Why Choose HDFC ERGO for Cat Insurance

Digital Onboarding

Our user-friendly digital platform allows hassle-free onboarding, making it easy and convenient to purchase cat insurance online. With our streamlined process, you can get coverage for your cat in just a few simple steps.

Prompt Claim Settlement

At HDFC ERGO, we understand the importance of timely claim settlement. Our dedicated claims team works efficiently to process and settle claims promptly, ensuring you receive reimbursement for covered expenses without delay.

Exceptional Customer Service

We prioritize customer satisfaction and strive to provide exceptional service at every step of the insurance journey. Our expert customer support team is available to address your queries, provide guidance, and assist you.

Trusted Brand

With years of experience in the insurance industry and over 1.5 Crore + happy customers, rest assured that you can trust us to provide dependable coverage and support for your cat's health and well-being.

Value-Added Services

In addition to insurance coverage, HDFC ERGO offers value-added services to enhance your cat's care experience. From vet audio consultations to video consultation services, we provide resources and support to help you keep your cat healthy and happy.

Frequently Asked Questions

1. What is cat insurance?

Cat insurance provides financial coverage for veterinary expenses related to illness, injury, or accidents involving your cat. It helps offset the cost of medical treatment, ensuring that your cat receives the care they need without financial strain.

2. Why do I need cat insurance?

Cat insurance offers peace of mind by providing financial protection for unexpected veterinary expenses. It ensures that you can afford necessary medical care for your cat, regardless of the cost, without having to compromise on their health or well-being.

3. What does cat insurance typically cover?

Cat insurance typically covers veterinary expenses for illness, injury, surgeries, medications, diagnostic tests, and other medical treatments. Coverage may vary depending on the insurance provider and the specific plan chosen.

4. Are there any exclusions in cat insurance policies?

While cat insurance policies provide coverage for many medical expenses, there may be certain exclusions, such as pre-existing conditions and specific treatments not deemed medically necessary. It's essential to review the policy terms and conditions to understand any exclusions.

5. How much does cat insurance cost?

The cost of cat insurance varies depending on factors such as the cat's age, breed, health status, coverage options, and deductible chosen. Premiums may also vary among insurance providers.

6. Can I choose my veterinarian with cat insurance?

In most cases, cat insurance allows you to choose your preferred veterinarian for medical treatment. However, some insurance plans may have a network of preferred providers or require pre-authorisation for certain treatments or specialists.

7. Is there an age limit for getting cat insurance?

Yes, there is typically an age limit for enrolling in cat insurance. Most insurers have a minimum entry age (usually around 6 months) and a maximum entry age (usually between 5 to 8 years). The age limits may vary depending on the insurer and the specific policy.

8. How do I file a claim with cat insurance?

To file a claim with cat insurance, you typically need to submit a claim form along with supporting documentation, such as veterinary invoices, medical records, and receipts. Claims can usually be filed online, or by contacting their claims department directly.

9. Can I customise my cat insurance coverage?

Yes, many cat insurance plans offer customization options, allowing you to tailor the coverage to your cat's specific needs. You may be able to choose from different coverage levels, deductibles, co-payments, and optional add-on benefits to create a plan that suits your requirements.

10. How quickly will I be reimbursed for veterinary expenses?

The reimbursement timeframe for veterinary expenses varies depending on the insurer's claims processing procedures and the complexity of the claim.

11. Can I cancel my cat insurance policy?

Yes, you can typically cancel your cat insurance policy at any time by contacting the insurer and following their cancellation procedures. However, it's essential to review the policy terms and conditions, including any cancellation fees or penalties, before cancelling your coverage.