Handling unexpected medical expenses for your dog can be challenging, especially as veterinary costs rise. From surgeries and accidents to chronic illnesses, routine treatments can add up fast. So, choose the right pet insurance plan to cover healthcare expenses and ensure routine checkups for your furry companion.
In this article, you will learn about the steps to purchase pet insurance online for your dog to reduce financial strain.
How to Purchase Pet Insurance Online for Your Dog in India?
If you are wondering how to buy pet insurance online for your dog in India, follow the steps given below:
- Since many pet insurance providers follow an entry and exit age for insuring dogs, always check if your dog is eligible and can be insured based on the same. You must also ensure your dog is fit and vaccinated.
- Compare the websites of different pet insurance companies in India, find what each policy offers and its premium amount, among others.
- Understand the coverage type and amount that you need to purchase. For example, one of the leading pet insurance companies, Bajaj General Insurance, covers the following:
- Death due to accident or illness
- Third-party liability
- Vaccinations and OPD visits
- Surgery and hospitalisation costs
- Straying or theft of your dog
- Input your personal and your dog's details, such as breed, gender, age, vaccination status, availability of an RFID chip and its number, a newspaper displaying the date, and 5 clear photos from various angles (e.g., left, right, top, front, and back).
- Submit these necessary documents when buying a pet insurance policy:
- A short, duly filled self-declaration form stating your dog's health
- Medical test papers
- Timely vaccination proof
- Purchase invoice (applicable only if opting for a Sum Insured relevant to pedigree lineage)
- Pedigree certificate (applicable only if you opt for a Sum Insured higher than the maximum amount defined for your pet's breed)
Note: If you want to waive the 90-day waiting period and your pet is above 4 years, you will need to submit diagnostic test results (e.g., Complete Blood Count (CBC), Chest X-ray, Biochemistry test, and Urine test)
- Select a plan, and then proceed with the payment online. The premium amount generally depends on your dog's age, its breed, coverage amount, RFID and vaccination status.
- The policy will be issued immediately once the payment is successful.
- Receive and review the policy documents your insurer sends you. Keep your policy number and policy document safe during the claim procedure.
- Understand whether the claim process will be reimbursed or cashless. If you need to file a claim, initiate the process immediately so that your claim does not get rejected.
- Check for the pet insurance renewal policy and renewal date on time to ensure your dog is always protected.
What are the Special Requirements for Your Dog Insurance?
Before buying a dog insurance policy, you must understand the special waiting periods, coverage limitations, and eligibility requirements that may apply to specific pets and their related conditions:
- You must submit the latest medical reports of tests conducted within the last 7 days.
- There will be no coverage during the waiting period for hospitalisations and surgeries.
- Terminal diseases, long-term care, and mortality will not be included.
- Claims resulting from accidents will not be taken into consideration during the initial waiting period of 90 days.
Final Words
Pet insurance online policies in India reduce the monetary burden of veterinary care. However, costs for different plans might differ. Therefore, it is essential to pick one of the most affordable pet insurance companies like Bajaj General Insurance and see what fits your budget and meets your pet's lifestyle needs.
Since premiums can increase with age, you need to consider prior planning. By understanding dog insurance's nuances like its acquisition process, timing, and benefits, pet parents can make informed decisions to secure their pets' well-being and health.
Tags : pet insurance
