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Home / Pet Insurance / Dog Insurance

Dog Insurance

Q: What is dog insurance?

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

Q: Why do I need dog insurance?

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

Q: What does dog insurance typically cover?

dog 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.

Q: Are there any exclusions in dog insurance policies?

While dog 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.

Q: 5. How much does dog insurance cost?

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

Q: Can I choose my veterinarian with dog insurance?

In most cases, dog 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.

Q: Is there an age limit for getting dog insurance?

Yes, there is typically an age limit for enrolling in dog 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.

Q: How do I file a claim with dog insurance?

To file a claim with dog 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.

Q: Can I customise my dog insurance coverage?

Yes, many dog insurance plans offer customization options, allowing you to tailor the coverage to your dog'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.

Q: 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.

A dog brings immense joy and companionship to our lives, but it also entails significant responsibilities. At HDFC ERGO, our goal is to provide peace of mind, ensuring your cherished pet receives top-notch care without the burden of unexpected medical costs.

With HDFC ERGO Dog Insurance, you’re not merely buying a policy; you’re investing in your dog’s health and ensuring a lifetime of happiness together. Be it illness, injury or surgery expenses, our comprehensive coverage supports you at every stage of your dog's healthcare journey. Discover our dog insurance plans today and give your dog the exceptional care they deserve.

Why Do I Need Dog Insurance?

Our pets bring endless joy and love into our lives. But just like us, they can get sick or injured unexpectedly. Veterinary bills can be expensive, and without pet insurance, the financial burden of caring for your dog’s health can be overwhelming. Here is why pet insurance for dogs is a pawsitive choice for you and your pup:

Protection Against Unexpected Costs

Even a seemingly minor injury or illness, like a swallowed sock or an ear infection, can result in a surprisingly expensive vet bill. Dog health insurance safeguards against these unexpected financial blows. With insurance, you won’t have to raid your savings or face difficult financial decisions for your dog’s proper care.

Comprehensive Coverage

Modern veterinary medicine offers a variety of treatment options, from diagnosis to specialised surgeries and medications. Dog insurance can help alleviate the financial burden associated with these treatments. Depending on your specific plan, coverage may extend to hospitalisation stays, critical surgeries, prescription medications, advanced diagnostics.

Third-Party Liability Coverage

Accidents can happen in the blink of an eye, and sometimes, your puppy might be unintentionally responsible. Dog insurance with third-party liability coverage provides a monetary safety net. If your dog injures someone or damages property, this coverage can help protect you from significant financial burdens.

Peace of Mind

Accidents and illnesses can strike your dog anytime, leaving you with tough decisions. Dog health insurance helps alleviate this stress by providing your pet with the best possible veterinary care. Whether it’s a broken bone incurred during a playful romp or a sudden onset of a critical illness, insurance can step in to cover a significant portion of the expenses.

Your Pet’s Health

By making medical care more affordable, dog insurance can keep your dog healthy and avoid more serious health problems. Regular OPD visits allow for early detection of health issues, enabling prompt intervention and preventing expensive chronic conditions. This proactive approach to healthcare promotes your dog’s long-term well-being.

Key Features of Dog Insurance

Key Features	Benefits
Digital On-boarding	Enjoy a hassle-free and convenient onboarding process with HDFC ERGO's pre-underwritten dog 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 dog 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 dog needs.
Trip Cancellation Cover	You're financially protected if you need to cancel a trip due to your dog'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 Dog Insurance

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

Age Requirement

Dogs 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 dog insurance. Read policy wordings to know more.

Vaccination Status

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

Entry And Exit Age for Dog Insurance

Minimum Entry Age

We at HDFC ERGO offer dog health insurance plans for puppies starting at 6 months of age.

Maximum Entry Age

You can insure your pet up to 5 years of age.

Maximum Renewal Age

You can renew your pet’s plan up to 8 years of age.

Important Points to Note Before Buying Dog Insurance

We want to choose the best dog insurance for our pets. With so many options available, here are some key points you need to keep in mind:

Consider Age and Breed

Puppy insurance can vary depending on your pet’s age and breed. A puppy will be more prone to accidents and illnesses, while older dogs might require coverage for long-term conditions. Certain breeds may also have higher genetic predispositions for specific health issues.

Coverage Options

Dog insurance plans come with various coverage options. Think about what’s most important for your pet’s health and well-being. Do you want basic coverage for accidents and illnesses or a more comprehensive plan that includes OPD expenses, long-term care, or third-party liability?

Policy Exclusions

Understanding what's not covered under your dog insurance policy is crucial. Common exclusions include pre-existing conditions, check-ups, cosmetic procedures, or behavioural problems. Carefully review the policy exclusions before purchasing to determine if your pet’s needs are covered.

Claim Process

A smooth and hassle-free claim process is essential if your dog needs veterinary care. Find out how to file a claim with the insurance company and what documentation is required.

While preventive care is essential, unexpected accidents or illnesses can occur anytime. Explore Dog insurance plans with HDFC ERGO to find a plan that fits your furry friend’s need.

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Tips To Keep Your Dog Healthy And Happy

Here are some essential tips for your pet’s long, healthy, and happy life.

Balanced Diet for Healthy Dogs

Just like us, dogs thrive on a nutritious diet. Providing your dog with a balanced and healthy diet is essential for their optimal health. The ideal diet will vary depending on your dog’s age, breed, and activity level. A consultation with your veterinarian can help you determine the best food for your pet. Avoid fillers, artificial flavours, and excessive sugars. Avoid overfeeding, as obesity can lead to various health problems. Always ensure your dog can access fresh, clean water throughout the day.

Regular Exercise Keeps Your Dog Happy and Fit

Regular exercise is vital for maintaining your dog's physical and mental fitness. Dogs, for example, require daily walks or playtime to expend energy and prevent boredom. The amount and type of exercise will depend on your dog’s breed, age, and overall health. Activities like walks, fetch, or agility training can help keep your dog physically fit and mentally stimulated. Regular exercise strengthens the bond between you and your dog, creating a happy and healthy relationship.

Mental Stimulation is Key to a Happy Dog

A dog’s mental well-being is just as important as its physical health. Give your dog toys, puzzles, and games that challenge them mentally. Interactive toys that dispense treats or require problem-solving skills can keep your dog engaged and prevent boredom. Training sessions offer excellent mental stimulation while strengthening the bond between you and your dog. Consider enrolling your dog in obedience training or a fun activity like agility training to provide physical and mental exercise.

Regular Grooming Your Dog’s Health

Regular grooming keeps your dog’s coat and skin healthy. Brushing your dog’s fur helps remove loose hair, dirt, and debris, preventing matting and promoting healthy skin. Grooming also allows checking for any abnormalities like lumps, bumps, or signs of fleas and ticks. The frequency of grooming depends on your dog's breed and coat type. Some breeds require professional grooming, while others can be maintained with regular brushing at home. Regular grooming allows you to bond with your dog while securing their health and comfort.

Regular Veterinary Check-Ups

Like us, dogs need routine check-ups with the vet to stay healthy. These visits allow early detection of potential health issues, enabling prompt treatment and better outcomes. Your veterinarian can also offer valuable guidance on your dog's diet, exercise needs, and overall care. Regular vaccinations and preventive treatments for parasites like fleas and ticks are crucial for your dog’s well-being. Scheduling regular check-ups demonstrates your commitment to your dog’s health and allows you to build a trusting relationship with your vet.

Don’t Forget Dental Care for Your Dog

Dental health is just as important for dogs as it is for humans. Poor dental hygiene can lead to serious health problems, including tooth decay, gum disease, and infection. Brushing your dog’s teeth regularly with dog-specific toothpaste is essential. Dental chews and toys that help clean teeth can also be beneficial. Schedule regular dental check-ups with your veterinarian so your dog’s oral health remains in good condition.

How To Buy Dog Insurance Online?

Securing the best and most cost-effective insurance for your puppy has never been simpler. You can easily purchase a policy from HDFC ERGO within minutes, right from the comfort of your home or office!

• Click here or visit the HDFC ERGO Paws n Claws Pet Insurance webpage.

• Enter your pet’s breed, age, and medical history (if any).

• Choose from a range of dog insurance plans that best suit your needs and budget.

• Share a few details about your pet, including adorable pictures of your pet

• Provide your personal details, including name, contact details and address.

• Carefully review your policy details and once satisfied, proceed to pay using online payment methods.

• After successful payment, you will be able to download your dog insurance policy instantly.

How to Claim Dog 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 Dog Insurance

All-Inclusive Coverage

Our plans go beyond just hospitalisation and surgery. We offer customisable options that can cover a wider range of expenses, including OPD consultations, medications, diagnostics, and audio/video consultations with veterinarians for added convenience.

Customizable Plans

No two dogs are the same. We understand that your dog’s needs may change over time. That’s why we offer flexible plans that can be customised to fit your dog’s breed, age, and lifestyle.

Multiple Pet Coverage

Do you have a pet family? We’ve got you covered! Our pet insurance can extend insurance to up to 5 pets for individual owners. Now, all your canine companions are protected!

Peace of Mind for Breeders

For commercial breeders, managing the health of multiple dogs can be demanding. Our plans can cover up to 10 pets, providing financial security and protecting the health of your breeding stock.

Easy & quick claim processing

Be rest assured to receive exceptional service and prompt claim settlement with HDFC ERGO.

Frequently Asked Questions

1. What is dog insurance?

Dog insurance is a financial safety net that helps you cover the costs of unexpected veterinary bills for your canine companion. It works similarly to human health insurance, with you paying a monthly premium in exchange for coverage of certain medical expenses.

2. Why do I need dog insurance?

Veterinary care can be expensive; even a seemingly minor illness or injury can result in a hefty bill. Dog health insurance provides peace of mind, knowing you won't have to make difficult financial decisions when your dog needs medical attention.

3. What does dog insurance typically cover?

Dog insurance policies typically cover accidents and illnesses, including:

• Accidents: Injuries sustained from falls, fights with other animals, or ingesting foreign objects.

• Illnesses: Diagnoses like allergies, ear infections, or even cancer

• Surgeries: Procedures necessary to treat accidents or illnesses

• Hospitalisation: Stays in a veterinary hospital for treatment

4. Are there any exclusions in dog insurance policies?

Pet insurance for dogs excludes pre-existing conditions, routine care (like check-ups and vaccinations), and cosmetic procedures. Read the policy details carefully to understand what’s covered and what’s not.

5. How much does dog insurance cost?

The cost of dog insurance depends on several factors, including your dog’s breed, age, health, location, and the type of coverage you choose.

6. Can I choose my veterinarian with dog insurance?

In most cases, yes. Dog insurance allows you to choose any licensed veterinarian for your dog’s care.

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

HDFC ERGO Paws n Claws Pet Insurance allows enrollment for dogs between 6 months and 5 years old. However, coverage can continue beyond the initial enrollment period, with a maximum renewal age of 8 years.

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

The claim process for pet insurance for dogs will vary depending on the provider. You will need to submit a claim form and receipts from your veterinarian.

9. Can I customise my dog insurance coverage?

HDFC ERGO allows you to customise your pet insurance for dog coverage by choosing your copay (the amount you pay out of pocket before the insurance kicks in) and reimbursement level (the percentage of covered costs the insurer pays).

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

The reimbursement timeframe for insurance claims can vary depending on the insurer, but it takes a few weeks after you submit a complete and approved claim.

11. Can I cancel my dog insurance policy?

Yes, you can cancel your dog's health insurance policy at any time. However, you may be responsible for paying a cancellation fee. Review your policy terms for details.