How to get insurance for pets?

How to get insurance for pets?

By Ankita Patil
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Insurance For Pets

Insurance For Pets In India

In India, insurance for pets is not enjoyed amongst the pet owners. This pet insurance provides coverage to the pet owners in case of death or theft of their pets. It also covers third parties liability. This policy is of limited nature. It must be reconsidered for providing health and other benefits to the pet owners.

Being a pet owner is like being a pet parent. When your pet falls ill, you are emotional about his condition. Moreover, you also have to bear for the treatment costs. The pet treatment costs are very high in India right from regular visits to the costs during extreme sickness. It is not easy to lessen the emotional stress of your pet being kidnapped or falling sick. But in terms of finance, you can take a pet insurance policy.

Needs considerable awareness

The pet insurance concept in India needs more awareness. Even the insurance companies have a limited range of products for pet insurance. It provides a limited coverage of loss due to death or theft. But a good point is that it covers third part liability issues. You must personally visit a sales office of the insurance company. Discuss with them your requirements. Some banks have customized policies for the livestock insurance such as cattle, hens, etc. Don’t forget to mention that it is your dog or cat to be insured. You must give proper vaccination to your pet right from the beginning.

Process of taking a pet insurance policy

For taking an insurance policy for your pets, you just have to obtain a certificate of your pet’s good health condition from a veterinary doctor. Yes. That’s it. Of course, you have to fill a form in which you have provided details about yourself and your pet.

Preferential treatment to dogs

The insurance companies in India are giving preferential treatment to dog owners. If you are such a dog owner, then you may surely go ahead in taking a dog insurance policy. But this policy covers only certain breeds and specific age groups of dogs. Check whether your dog is within these limits. This policy needs a detailed documentation of the following:

  • A good pedigree record
  • Kennel club record
  • Certificate from your veterinary doctor stating that your pet is fit enough

The insurance company will also mark your dog with an identification measure. Congrats! Your loving dog is insured! This insurance policy covers loss due to death or any diseases.

Some insurance companies provide policies for dogs as well as cats.

Conclusively, the pet insurance field needs expansion on the part of the insurance companies. Similarly, pet owners must understand their actual role of parenting their pets. They must demand for a customized insurance policy and needs to the insurance companies. The companies must not treat pet as a property but as a family member. The pet owners are more concerned in obtaining expenses due to treatments at the time of pet’s sickness. The needs of a modern pet parent must be conveyed and understood by the existing insurance companies in India.

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Ankita Patil
Ankita Patil is Commerce as well as a Law graduate from University of Mumbai. She is a qualified Company Secretary from ICSI, New Delhi.

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5 COMMENTS

  1. Pet insurance is one of the lesser known types of insurance in India, but the idea behind it is extremely applaud-able. We all love keeping pets but we do not pay much attention to getting them insured. A pet insurance pays the treatment cost of the insured owner’s injured or ill pet. The scope of this type of insurance is still limited in India but the idea behind this is amazing.

  2. Pet insurance is quite an advantageous option for the pet owners. But certain things need to be kept in mind like checking out the pet insurance services online and then comparing them with other options available in the market. Also keep an eye on the rating of the pet insurance company.

  3. I love, love, love this idea! Pets are like family members, so why not insure their health costs just as you would insure your won or family member’s health costs. No one can foresee what will happen in the future to your pet, and they certainly can’t vocalise if they are feeling unwell like a human would. This is a great option for a dedicated pet owner, or pet “parent” 🙂

  4. Insurance for pets in India is not taken seriously by the pet owners. This article explains as to how insurance is also important for the pets. There should be awareness among people regarding this point. It explains the process of taking an insurance policy for pets. There are different types of preferential treatment of dogs.

  5. A very noble concept of getting the pet insured. In India where insurance company is just limited to death illness, theft and fire, pet insurance is a real long way. But then conditions are changing and pet lovers are queing up for their beloved pets to be insured.

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