Why Choose HDFC ERGO Paws n Claws
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Pet Insurance
Pets are cherished members of our family as well as crucial members in case of commercial breeding. But what if your pet gets sick? What if your pet gets injured? What if your pet needs to undergo surgery? To cater to all these “what ifs”, we bring to you-HDFC ERGO Paws n Claws, a pet insurance which prioritizes the health and wellbeing of your beloved pet. We provide plans tailored for your pets every need, ensuring that in case of an unforeseen health crisis, your pet receives the best possible care without having to worry about hefty veterinary bills. Don’t wait for the unexpected, safeguard your pets’ health with pet insurance today.
Types of Pets Insurance
Insurance for Cats
Tailored for our feline friends, the Paws n Claws Cat Insurance ensures comprehensive coverage, catering to veterinary expenses, accidents, and offering specialized care options. Because your cat's well-being matters, choose a plan that fits their unique needs.
Insurance for Dogs
Dedicated to our canine friends, Paws n Claws Dog Insurance provides holistic coverage, including medical treatments, surgeries, and preventive care. Choose a plan that prioritizes your dog's overall health and happiness.
Why Buy HDFC ERGO Paws n Claws?
At HDFC ERGO, we prioritize the health and well-being of your beloved pets, thus bringing to you insurance plans tailored for your pet’s unique needs. HDFC ERGO Paws n Claws brings you:
All-round protection for cats and dogs
Customizable plans that cover OPD as well
Audio & video veterinary doctor consultations
Covers up to 5 pets for individual owners
Covers up to 10 pets for a commercial breeder
Pet Insurance Coverages
Illness
Our policy extends coverage to both major and minor illnesses, ensuring your pet's well-being by addressing a variety of health concerns diagnosed by veterinary professionals.
Injury
Protect your pet from unexpected accidents and bites by covering the costs associated with injuries caused by other animals or accidental incidents.
Surgery
In the unfortunate event that your pet requires surgery, our policy covers a comprehensive list of surgeries, providing financial assistance for necessary medical interventions.
Treatment expenses
This coverage includes diagnostics, a broad spectrum of procedures from Outpatient to Emergency care, and comprehensive medical coverage, including Injections, ensuring your pet's overall well-being.
Illness or injury from Commercial Activities
This coverage insures injuries and illnesses arising out of racing, coursing, commercial guarding, and any occupational, professional, or business use of the insured pet.
Trip cancellation
This coverage includes financial loss incurred for domestic travel on non-refundable travel & accommodation costs, as well as rescheduling by the pet owner and their spouse in case of an admissible claim.
Funeral Expenses
In case of the death of the pet, this coverage provides reimbursement if a claim was admissible in the same policy year.
Veterinary consultation
This coverage includes four vet-on-call and two video call services per policy.
Third-Party Liability
This coverage includes expenses incurred by the pet owner for legal claims or lawsuits for bodily injury or property damage caused by the pet.
The above mentioned coverage may not be available in some of our plans. Please read the policy wordings, brochure and prospectus to know more about our Pet insurance plan.
Routine check-up
This policy does not cover Vet Visit Fees for routine check-ups, diagnostics, or vaccinations.
Pre-existing disease
Claims related to the treatment of pre-existing diseases and their complications are not covered.
Homeopathic or herbal medication
The policy excludes claims associated with homeopathic or herbal medication.
Preventive treatment
Coverage does not extend to routine preventive treatments such as vaccinations, castration, bathing, grooming, nail clipping, dental scaling, etc.
Cosmetic treatment
Treatment for cosmetic or psychological reasons is not covered unless medically required to restore functionality.
Pregnancy-related expenses
Expenses related to pregnancy, complications, termination, birth, or puppy rearing are excluded.
Frequently Asked Questions on HDFC ERGO Pet Insurance
1. What Does Pet Insurance Typically Cover?
Pet insurance generally covers accidents, illnesses, surgeries, prescriptions, and sometimes preventive care, depending on the policy.
2. How Does Reimbursement Work in Pet Insurance?
After paying the vet bill, you submit a claim to your insurer. They'll reimburse you based on your plan's coverage percentage and deductibles.
3. Can I Use Any Veterinarian or Specialist?
Most pet insurance plans allow you to use any licensed veterinarian or specialist.
4. How Do I Choose the Right Pet Insurance Plan?
Consider your pet’s age, breed, health needs, and your budget. Compare different plans and read the policy details carefully.
5. Is There a Waiting Period for Pet Insurance?
Yes, there is a 30-day waiting period before coverage begins.