Insurance Coverage- Inclusions & Exclusions

There are three types of pet insurance covers as mentioned below:

  1. Lifetime cover– It covers the pet and the owners for any illness or disease which spans for the entire life of the pet like arthritis, eczema etc. Under this, one receives a specified amount each year towards treatment of the pet
  2. Money Limited Cover– It provides limited protection in terms of money which is spent to cover veterinary expenses for the treatment of the pet
  3. Time-Limited Cover– It offers protection to a pet for a specific period after a pet has become ill or suffered an injury to meet its medical expenses

Usually, below are the inclusions for any pet insurance policy: 

  • Treatment expenses
  • Death due to accident (or accident while in transit- rail, road, air)
  • Illness contracted 
  • Loss/ theft
  • Incapacitation
  • Accidental poisoning
  • Third-Party Liability (optional)
  • Add ons (optional)

While some of the general exclusions under the pet insurance scheme are as follows:

  • Willful or malicious injury
  • Death due to rabies, Viral infections, etc.
  • Injury or illness arising out of neglect/unskillful handling of the pet
  • Loss or injury due to war, foreign hostility, revolution, rebellion, military upheaval, etc.

Most of the companies do not provide coverage for routine check-ups, vaccines, heart-worm, teeth cleaning, spaying/neutering, etc. However, some of these are covered in the add-ons plan of some packages. One may also have to get their pet checked out by a vet before getting coverage if they have not seen a vet in more than a year.

Pet Insurance