Pet Insurance
What is Pet Insurance?
Pet Insurance is a specialized health and life protection plan designed for your furry family
members—dogs and cats. As veterinary medicine advances, the costs of high-quality treatments,
surgeries, and specialized care have risen significantly. Pet insurance ensures that when your pet faces
a medical emergency or illness, you can choose the best possible care based on medical necessity rather
than financial constraints.
DigiAssure's pet insurance plans provide a comprehensive safety net that covers everything from
accidental injuries and major surgeries to third-party liabilities if your pet causes damage or injury
to others. We understand that your pet is more than just an animal; they are a part of your family. Our
mission is to provide you with the peace of mind that their health is secured, allowing you to focus on
the joy and companionship they bring to your life.
Essential Care for Furry Friends
1. Comprehensive Medical Cover
Provides financial support for high-cost veterinary treatments, including surgeries, hospitalizations, and diagnostic tests (X-rays, scans).
2. Third-Party Liability
Shields you from legal and financial consequences if your pet accidentally causes bodily injury to another person or damages someone else's property.
3. Mortality & Life Cover
Provides a lump-sum payout in the unfortunate event of your pet's death due to a covered accident or illness, helping with funeral or replacement costs.
4. Theft & Loss Support
Covers the costs of advertising and rewards if your pet goes missing or is stolen, helping you bring them home safely.
Key Features of Our Plans
Wide Age Eligibility
Enroll your pets as early as 8 weeks old, with coverage extending up to 8-10 years of age for most breeds.
No Pre-medical Checks
Usually, no formal medical screening is required for young pets, making the onboarding process fast and stress-free.
Multi-Pet Discount
Insure all your pets under one family umbrella and enjoy significant discounts on total policy premiums.
Illness & Accident
Combined coverage for both sudden accidental injuries and common illnesses that pets may face throughout their lives.
Emergency Boarding
If the owner is hospitalized and cannot care for the pet, we cover the costs of boarding your pet at a licensed kennel.
Lost & Found Cover
Financial assistance for advertising costs and reward payouts to help locate and recover your missing pet.
Comprehensive vs Accident Only
Choosing the right level of protection for your pet's lifestyle.
| Feature | Comprehensive Plan | Accident Only Plan |
|---|---|---|
| Accidental Injuries | Fully Covered | Fully Covered |
| Illnesses & Diseases | Fully Covered | Not Covered |
| Major Surgeries | Included | Only if due to accident |
| Third-Party Liability | Included | Included |
| Mortality Benefit | Included | Only if due to accident |
| Lost / Stolen Support | Included | Not Covered |
| Premium | Standard | Highly Economical |
Coverage Details
Understand exactly what's protected for your pet.
What we Cover
Typical protections in a pet plan:
- Surgery & Hospitalization costs
- Accidental Injuries (Fractures, bites)
- Common Illnesses (Fevers, Infections)
- Diagnostic tests (X-Rays, Scans)
- Death due to Illness or Accident
- Legal Liability to Third Parties
Common Exclusions
Typical policy exclusions:
- Pre-existing medical conditions
- Routine checkups & Vaccinations
- Grooming, Spa or Dental cleaning
- Pregnancy, Birthing or Spaying
- Intentional injury by the owner
- Cosmetic or Pedigree enhancement
Valuable Add-Ons
Customized extensions for your pet's unique needs.
OPD & Consultation Cover
Extends coverage to include non-hospitalization expenses like vet consultation fees, pharmacy bills, and small clinic procedures.
Long-term Care Support
Provides specialized financial support for pets diagnosed with chronic conditions that require lifelong medication or regular therapy.
Overseas Transit Cover
Essential for travelers; protects your pet against accidental injury or loss while traveling with you outside the country.
Consumables Cover
Covers the cost of items like bandages, syringes, and specialized surgical materials which are often excluded in base medical plans.
Factors Affecting Your Premium
How we determine the best value for your pet's protection.
1. Pet's Breed
Certain pedigreed breeds have higher predispositions to specific health issues, which impacts the risk profile and premium.
2. Age of the Pet
As pets get older, the likelihood of illness increases, leading to higher premiums for senior pets compared to kittens or puppies.
3. Total Sum Insured
Choosing a higher total limit for medical expenses (e.g., ₹50,000 vs ₹2 Lakhs) will increase the annual premium.
4. Geographic Location
Veterinary costs vary across cities; premiums are typically higher in metros where specialist care is more expensive.
5. Past Medical History
A clean history with up-to-date vaccinations demonstrates responsible pet ownership and helps in securing better rates.
Documents Required
Simplified requirements for instant pet onboarding.
Pet's Identity
- Recent high-resolution photographs (Front & Side view)
- Breed Certificate or Pedigree papers (if any)
- Microchip details (Mandatory for some plans)
- Details of identifying marks
Health Records
- Latest Vaccination Card/Record (must be up to date)
- Recent deworming proof
- History of past surgeries or major illnesses
Owner's Details
- Aadhar Card / PAN Card of the owner
- Address proof of the pet's primary residence
- Proof of ownership (e.g., Municipality registration)
Proposal Form
- Completed digital proposal form
- Self-declaration of pet's current health status
- Accepted quote summary
Pet Claim Process
Focus on your pet's recovery, while we handle the bills.
Veterinary Treatment
Seek medical care at any licensed veterinary clinic or hospital. In emergencies, save all admission records.
Intimation
Notify DigiAssure within 24-48 hours of treatment or hospitalization via our app or helpline.
Billing & Payment
Settle the bills with the clinic and collect all original invoices, pharmacy bills, and diagnostic reports.
Medical Certificate
Obtain a signed medical certificate from the treating vet detailing the diagnosis and the treatment provided.
Document Submission
Upload clear digital copies of all bills and medical records through our specialized pet claims portal.
Verification
Our specialized veterinary claims team reviews the medical documents for admissibility under the policy.
Claim Assessment
We calculate the eligible amount based on your sum insured and any applicable co-payments or deductibles.
Reimbursement
The final amount is credited directly to your bank account within 7 working days of document approval.
Frequently Asked Questions
Common pet protection queries answered.
Can I insure a pet I just adopted?
Yes, absolutely. Once your pet is at least 8 weeks old and has received their initial vaccinations, they are eligible for coverage.
Are pre-existing conditions covered?
Like most insurance, pet insurance does not cover conditions that existed before the policy was purchased. This is why it's best to insure pets while they are young and healthy.
Does the policy cover vaccinations and grooming?
Standard plans focus on accidents and illnesses. Routine preventive care like vaccinations and grooming are usually not covered, though some premium plans offer a small allowance for them.
What is 'Third-Party Liability' in pet insurance?
It covers you if your pet accidentally bites someone or damages a neighbor's property. It pays for their medical bills or repair costs and covers your legal defense if you are sued.
Is there a waiting period for illnesses?
Yes, there is usually a 30-day waiting period for illnesses from the start of the policy. Accidental injuries, however, are covered from Day 1.
Can I choose my own vet?
Yes, DigiAssure allows you to seek treatment at any licensed veterinary clinic in the country. We work on a reimbursement basis, allowing you the total freedom of choice.