1. What is usually covered in pet insurance?
Pet insurance is designed to help you manage unexpected veterinary costs. Depending on the plan, it can cover everything from emergency treatments and surgeries to medications, diagnostics, and ongoing care
for illnesses. Some policies may also offer limited coverage for preventive care, giving your pet all-around protection.
2. How does reimbursement work in pet insurance?
With pet insurance, you first pay your vet directly for the treatment. Then, you send your insurer the required documents and bills. Once your claim is reviewed and approved, you'll receive a payout based on
your policy’s terms — including the coverage limit, co-pay, and any deductibles.
3. Can I select any vet or specialist of my choice?
Yes, in most cases you’re free to visit any licensed veterinarian or specialist, whether they’re part of a clinic, hospital, or independent practice. Some plans may offer added benefits if you use a network
provider, but it's not usually a restriction.
4. How do I pick the right pet insurance plan?
Start by thinking about your pet’s age, breed, lifestyle, and medical history. Then match those needs with a plan that offers suitable coverage — whether it’s for accidents, illnesses, or routine care. Don’t
forget to check coverage limits, exclusions, co-pays, and what’s included before making a choice that fits your budget and peace of mind.
5. Is there any compulsory deductible on claims?
Yes, a compulsory deductible of 10% of the claim amount (with a minimum of ₹1,000) applies to every claim, unless your policy schedule mentions otherwise.
6. What is the waiting period for PAW care insurance?
The waiting period for PAW care insurance is 30 days. This means coverage for illnesses or treatments begins only after this period to prevent claims for pre-existing conditions.
7. What is the minimum age requirement for pet insurance?
To be eligible for coverage under ICICI Lombard’s PAW Care Insurance, your pet must be at least 3 months at the time of policy inception.
8. What is the maximum age limit for pet insurance?
With ICICI Lombard’s PAW Care Insurance, pets are eligible for coverage up to the age of 7 years, expect giant dog breed (it is 4 years for giant dog breed) at the time of policy purchase.
9. Is spaying/neutering covered?
It’s covered only if a registered vet diagnoses it as part of a medical condition.
10. Are grooming injuries are covered?
No, grooming injuries are not covered under this policy.