Pets are the perfect definition of love and loyalty! They live in our hearts rent free, and we share a special bond with our furry companions. Pets are family and it is our top-most responsibility to prioritise their well-being. But pet care is expensive. This is why pet health insurance plans have been gaining popularity in India.
To choose the best pet insurance in India, check what medical treatments, surgeries and routine checkups it covers and whether it offers legal assistance in case of third-party damage. Also, remember that the maximum age for pet insurance varies from one insurer to another. Read on to learn more to make an informed choice.
Pet Insurance Age Limit in India
The best pet insurance in India generally has a maximum age limit of 2 months to 10 years. Some insurance providers also set specific entry and exit ages for dogs. For instance, some require the dog to be:
Between 3 months and 4 years in the case of giant breeds.
Between 3 months and 7 years in the case of small/medium/large breeds.
If you renew the pet health plan regularly, the age limit is increased to 6 years for giant breeds and 10 years for small/medium/large breeds. This is also called lifetime cover, which offers protection for the pet’s entire lifetime. The policyholder is paid a certain amount for treatment at the end of every year.
Further, you can research and buy a pet insurance plan online that offers a money-limit cover. This does not have a maximum age limit. Pet owners can use the policy for as long as they wish to, until the upper monetary limit is reached.
If the dog has a microchip or RFID, an extra 5% savings is offered on the premium. This is an added benefit that pet owners can enjoy, along with a high age limit.
Best Time to Get a Pet Health Plan in India
It is advisable to get your pet insured when they are young. Just like human health insurance is cheaper when you are young and healthy, the same holds true for pets. Compare different policies and check the pet insurance age limit within 6 months of bringing your new pet home. This is the best way to ensure that any future health needs will be taken care of without any financial worries. For instance, a puppy or a kitten might require frequent doctor visits for deworming or vaccinations.
You can also seek advice for even minor issues, such as puppy tick fever or kitten sneezing from the vet without having to worry about the expenses that come along. Pet owners should also consider getting insurance before certain seasons of the year. For instance, many dogs and cats experience allergies from March through May, just like humans.
It is a good idea to explore the quotes of different pet health insurance plan providers in India. Read the terms and conditions carefully and check the maximum age limit, claim settlement process, add-ons and coverage carefully. This will help you pick the best pet insurance in India for your needs.
