Under this section the company is liable to pay the insured the cost of veterinary fees (excluding the cost of medicine provided and pathological tests conducted by the attending Veterinary Surgeon) for treatment of the insured dog received during the policy year for an illness or injury. This cover is optional and is available on payment of additional premium. Maximum liability of the company under this section is limited to 20% of the S.I. under Section 1. Maximum fees payable to the vets per consultation is limited to Rs.200/- for non surgical cases and actual fees, subject to the maximum liability of the company under this section ,for surgical cases.

Under this section the insured shall have to bear 20% of each and every admissible claim

The amount vets in general or referral practice generally charge.

This section indemnifies the owner of the dog as a Private Individual for liability at law to pay compensation to Third Party for accidental bodily injury to any person or animal or damage caused to property of any third party by his dog to the extent of Rs.100000/- in any one accident and/or during any period of insurance. The policy also indemnifies all costs and expenses of litigation incurred with written consent of the company subject to the overall limit of the Sum Insured under this section

If the dog is stolen or goes missing during the policy year and is not recovered or does not return, the company will pay to the insured the Market Value of the insured dog prior to theft/straying or the Sum Insured under this section whichever is less.

The cost of advertising if the dog is stolen or goes missing during the policy year and the reward the insured has offered for the recovery of his dog will be paid by the company provided the matter of advertisement and declaration of reward is done after receiving the consent of the company. Maximum liability of the company under this section will not exceed 25% of the Sum Insured set out under Section-4 of this policy

If the dog of the insured dies or has to be put to sleep by a vet during the policy year as a result of an illness, the company will pay to the insured the Market Value of the insured dog prior to illness or Sum Insured under this Section whichever is less.

If the dog of the insured dies or has to be put to sleep by a vet during the policy year as a result of injury caused by an accident ,the company will pay to the insured the Market Value of the insured dog prior to injury or Sum Insured under this section whichever is less.

The cost of boarding the insured dog at a licensed kennel up to a maximum limit of Rs.100/-per day or the cost subject to a maximum of Rs.75/- per day towards the cost of someone who does not live with the insured and looking after his dog while the insured is in hospital during the policy year, will be reimbursed by the company .The maximum Sum Insured under this section is limited to10% of the S.I under Section 1 in one policy year. This cover is optional and will be available on payment of additional premium. This cover is subject to some exclusion mentioned in the policy.

The company will pay to the insured any travel or accommodation expenses which the insured cannot recover if he has to cancel or cut short a holiday out of station during the policy year because his dog:

1. Goes missing while the insured is away; or
2. Is injured or shows the first clinical signs of an illness while the insured is away or up to 5 days before the insured leaves for the holiday out of station and needs immediate life saving surgery.

Maximum S.I. under this section is limited to 25% of the S.I. under section 1 in any policy year. This cover is optional and can be taken out on payment of additional premium.

On payment of additional premium the company will reimburse the insured the loss of show entry fees subject to the maximum limit chosen by the insured if the insured dog is unable to attend the "Dog Show" due to incapacity of the insured dog resulting from accident or disease or due to death caused by perils covered under the policy .The incapacity or death of the dog and the causes thereof must be certified by the attending veterinary surgeon. The reimbursement of fees is also subject to production of documentary evidence from the Kennel club with which the dog has been registered at the time of death. The limit of reimbursement will be the actual expenses incurred by the insured towards entry fee in the Dog Show or Rs.1000 /- whichever is lower.

1. Any dog less than 8 weeks old.

The insured must follow the procedures set out in the section under which he is claiming.

Market Value: Market value of the dog will be determined by a qualified and competent Veterinary surgeon considering the breed, age, pedigree and type. The Market value will be based on actual commercial value or Breed value and no sentimental value will be added.

SUM INSURED: Sum Insured under Sections 1,2 & 4 will be either Purchase Price or Market Value of the dog whichever is higher. Sum Insured under other Sections are based on the Sum Insured of the aforesaid sections.

Age Group: Dogs of minimum of two months and maximum 8 years (6 years for select dog breeds).

Registration of dogs: The dogs, which are either registered with the local administrative bodies or with, kennel clubs or societies for animals only will be considered for insurance coverage.

Identification: All dogs proposed for insurance should be suitably identified by any or more of the following methods:

i) Use of Microchips ii) Metal ear tagging iii) Nose Print iv) Cold branding v) Photographs

COMPARISON OF PREMIUM CALCULATION FOR AVERAGE DOG VALUE OF 10000/-
		COVERAGES ( BASIC)	PREMIUM	SUM INSURED
SUM INSURED	10000	THIRD PARTY LIABILITY	**	100000
		DEATH DUE TO ACCIDENT	**	10000
		DEATH DUE TO ILLNESS	**	10000
		THEFT / STRAYING	**	10000
		ADVERTISEMENT & REWARDS	**	2500
		TOTAL BASIC PREMIUM	600	132500
		COVERAGES (OPTIONAL)
		VET FFES	500	2000
		DOG SHOW RISKS	100	1000
		HOILIDAY CANCELLATION	100	2500
		KENNEL CHARGES	100	1000
		OPTIONAL TOTAL	800	6500
		GRAND TOTAL	1400	139000