Cat Insurance in India

• In India, pet ownership has increased and is likely to rise only
• We have the fastest-growing pet care market
• Dogs remain the most opulent pet in India and cats remain the second

Bajaj Allianz General Insurance was one of the first companies to introduce pet cat insurance in India. Whether your pet snags a claw or needs immediate medical attention, regardless, we have got you covered always!

Wondering what’s the need for pet insurance for cats in India? Think about:

• Annual healthcare expenses for vaccination, minor illnesses and so on
• Initial costs of parenting the cat that includes accessories, grooming, etc.
• Average veterinary costs, subsequent surgical costs, and cat food

What if your curious cat swallows a hair tie or leaps on from a perilous height or darts out from the door to a busy street?

After the visit to the veterinary, you may look at the hefty medical bills. But, if you have pet health insurance, you need not take the stress. In the long run, the cat insurance cost is going to be beneficial. While they chase, pounce and tumble, you remain worry-free forever!

It's upsetting to see your pet falling sick or meeting with a mishap. If you do not have insurance coverage, you will have to pay from your pocket for the treatment. The annual cost of a pet cat’s health-related expense is on the higher side. While a cat insurance price that you will pay towards buying the plan will be a smarter deal.

A one-of-its-kind insurance policy that offers protection to the pet cat’s clumsy falls and not-so-good health days. Kitten insurance ensures that the pet remain in the best of their health and keep the feline friend happy.

Choose Bajaj Allianz Pet Cat Insurance and save yourself from any Cat-astrophe from unexpected and expensive medical bills.

If you are a responsible pet cat parent and like to secure yourself against expenses that may be incurred in case of an accident or illness, you are at the right place. The policy term for best pet insurance for cats is dependent on the options offered against respective covers.

Note: Please note that as per the health of the pet cat, a higher entry/exit age under special conditions can be permitted. This may vary from insurer to insurer.

As pet parents, it's important to know what remains covered under pet cat insurance in India. Here’s a quick rundown of the coverage options that can be availed for pet cats as per the policy term opted:

Note: For more details, please refer to the product brochure. 

*Standard T&C apply

Note: For more information, please refer to the policy wording.

Remember, when compared to young cats an older cat is more prone to falling sick. So if you have a cat that is less than 12 years of age, you must buy pet insurance for older cats. As they age, they need more veterinarian care. Older cats are more prone to upper respiratory infections, urinary tract, etc. Buy insurance while the cats are young as most plans won't cover any pre-existing conditions

If you wish to avail best cat insurance, do not miss out on the documents listed below for your pet:

• A filled proposal form
• Video of pet cat walking along with color photographs from all angles
• Diagnostic test results, if required
• Description or details that uniquely identifies the pet cat to be insured
• Self-declaration on vaccinations
• Purchase proof, if required
• A pedigree certificate if the policyholder has opted for the pet to be of the pedigree lineage

Cats in general are inquisitive and tend to eat things that they should not. Our pet insurance India takes care of the bills related to injuries or illnesses and offers a financial safety net for unplanned circumstances. There is a range of benefits that remains included in pet cat insurance India. Take a look below:

Surgery Expenses Cover:

Any treatment that is carried out by a veterinary or at their clinic or hospital due to an accident/illness occurring to the insured pet cat during the policy period.

OPD Cover:

The costs incurred for the treatment of a pet cat, carried out by a vet at their clinic, up to the amount of Rs. 30000 for the following illnesses:

• Any bodily injury to the insured cat arising out of accidents
• Anemia
• Colitis
• Eye-related problems except for glaucoma
• Hepatitis/Liver Dysfunction
• Peritonitis
• Pyometra
• Toxoplasmosis
• Urinary Tract Infections

Third-party Liability Cover:

If you become liable to pay for any bodily injury and/or property damage and/or sickness and/or death of a third party involving the insured pet cat. Also, a cover will be offered for the legal expenses incurred for defending the claims lodged against the policyholder.

Long-term Care Cover:

A lump sum amount will be paid if the pet cat is diagnosed as suffering from any of the Illnesses listed below that requires long-term care:

• Ascites
• Diabetes
• Jaundice
• Pancreatitis
• Thyroid dysfunction

Theft/Lost/Straying Cover:

In case of permanent loss as a result of the pet being lost/stolen or strayed, we offer a cover for the expense of advertising or a reward. The company will reimburse for advertising in a local newspaper or other approved expenditures up to a maximum of Rs. 1000. In case of a reward up to Rs. 5000 shall be reimbursed if the pet cat gets recovered.

Hospitlisation Cover:

A cover will be provided for any in-patient treatment for an illness or accidental injury to the insured cat pet, carried out in a veterinary hospital subject to the per-day limit.

Terminal Diseases:

If your pet is diagnosed as suffering from any of the terminal diseases listed below, which first occurs during the policy period. The pet cat needs to survive a minimum period of 30 days from the date of diagnosis.

• All types of cancer
• Chronic kidney failure
• Coagulation disorders
• Cardiac dysfunctions
• Feline distemper
• Leukemia

Mortality Benefit Cover:

The insured pet cat dies due to an illness, accident, or as a result of the vet putting an insured pet to sleep to alleviate its incurable and inhumane suffering. The benefit amount of Rs. 3000 for cremation, burial and disposal of the carcass is offered.

*Standard T&C apply

Note: For more information, please refer to the policy wording.

Remember, when compared to young cats an older cat is more prone to falling sick. So if you have a cat that is less than 12 years of age, you must buy pet insurance for older cats. As they age, they need more veterinarian care. Older cats are more prone to upper respiratory infections, urinary tract, etc. Buy insurance while the cats are young as most plans won't cover any pre-existing conditions. 

Know the exclusions so that there are no surprises when it comes time to process the pet health insurance claim. Under the below circumstances, the insurance company is not liable to pay any pet cat insurance India claim:

• Any claims for diseases for which preventive medicines/vaccines have not been taken
• Any claims for costs or fees for experimental procedures or alternate treatment
• Any loss or damage caused willfully or knowingly by the insured
• Any consequential loss
• Any claims arising outside the territorial limits of India
• Any medication or treatment not recommended by the veterinary
• Any illness that the insured pet cat contracted while outside India that it would not normally have contracted in India
• Legal expenses, fines and penalties connected with, or resulting from, a criminal case
• Any claim for treatment of a third party as a result of the disease transmitted from animals to humans
• Malicious or willful injury or neglect, or gross negligence to an insured pet cat
• Any injury due to war, invasion, acts of foreign enemies, riot, strike or terrorist activities

Note: This is not an exhaustive list. For a detailed list of exclusions, please refer to the policy wording.

Now, you can make a quick, confident decision about your purry friend without stressing about the veterinary bills. Keep the documents enlisted below handy for a hassle-free pet cat claim experience:

• Completed pet cat insurance form
• Vaccination certificates
• Death certificate of the deceased pet cat with colored photographs
• Veterinary medical bills and hospital bills, as per the circumstance
• Diagnostics report if claiming under Terminal Diseases Cover, Long Term Care Cover and OPD Cover
• A copy of General Diary Entry lodged by Police when claiming under Theft/Lost/Straying Cover
• A copy of the advertisement when claiming under Theft/Lost/Straying Cover
• First Information Report and court orders (FIR) in case of a third-party liability claim

With Bajaj Allianz Pet Cat Insurance, give your kitty companion the care they deserve. From injuries and illness to preventive care, choose the insurance as per the pet cat's needs.

What are you waiting for, we know you love your pet, and it's time to include your ‘Purry’ friend in the circle of ‘Pur-tection’!