{"uin":"IRDAN058RPMS0130V01202627","name":"National Love-Your-Pet Insurance","url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Love-Your-Pet Insurance is a policy for pet dogs and cats with Plan 1 - Comprehensive Plan and Plan 2 - Third Party Liability Plan. The policy runs for 1 year and the coverage is available in India only.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:36:16.145677+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan 1 - Comprehensive Plan","Plan 2 - Third Party Liability Plan"],"display":"Plan 1 - Comprehensive Plan; Plan 2 - Third Party Liability Plan","note":null,"quote":"Plan 1 - Comprehensive Plan ... Plan 2 - Third Party Liability Plan","sources":[{"clause":null,"heading":"Plan 1 - Comprehensive Plan","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-plan-1-comprehensive-plan"},{"clause":"B.1","heading":"Epidemic and Pandemic Preventative Care","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-b-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can only be issued for a duration of 1 year, i.e. 12 calendar months.","display":"1 year (12 calendar months)","note":"The policy wording defines the policy period as the period specified in the policy; the fixed duration is stated in the prospectus.","quote":"The Policy can only be issued for a duration of 1 year (i.e., 12 calendar months).","sources":[{"clause":"2.2","heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13143#c-2-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The Pet Owner must notify the Company in writing within twenty-four (24) hours of the illness, injury or other event that may give rise to a claim.","display":"Within twenty-four (24) hours of the Illness/ Injury or event","note":null,"quote":"To lodge a claim under the Policy, the Pet Owner shall notify the Company in writing providing all relevant information relating to claim including Policy Number, Insured Pet details, treatment undergone, etc. within twenty-four (24) hours of the Illness/ Injury or occurrence of any event which may give rise to any claim under the Policy.","sources":[{"clause":"7.4.1","heading":"Claim Intimation","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-7-4-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents state claim intimation and claim submission deadlines, but do not state a time by which a claim will be decided or paid.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications are excluded until twelve (12) months","Injury sustained within the first 7 days and illness suffered within the first 3 months of inception under Section A","Specified Listed Illness within the first 3 months, and Hip/Elbow Dysplasia/ Feline Osteoarthritis, Chronic Kidney Disease, Chronic Liver Disease within the first 1 year under Section B","Intentional Injury or condition due to abuse, including persistent neglect","Elective treatment, preventive treatment, or treatment chosen but not related to Injury or Illness","Congenital Defects or Abnormalities where clinical signs became apparent before inception","Clinical signs/symptoms or diagnosis within the initial waiting period","Routine Vaccinations apart from Section 4.3","Claims arising outside the territorial limits of India","Medication or treatment not recommended by a Veterinary Practitioner","Insured Pet is sold or where there is no financial interest involved by Pet Owner","Legal expenses, fines and penalties connected with, or resulting from, a Criminal Case or an Act of Parliament made in India","Claims for treatment of a third-party due to diseases being transmitted from animals to humans","Cost of buying or hiring machinery, animal housing or cages","Unproven or Experimental Treatment and any kind of DNA testing or Cloning"],"display":"PED waiting period, Section A and B waiting periods, abuse or neglect, elective or preventive treatment, prior congenital signs, initial waiting-period signs, routine vaccinations, outside India claims, non-veterinary-recommended treatment, sale or no financial interest, criminal legal expenses, zoonotic third-party treatment, equipment or cages, experimental treatment and DNA testing or cloning","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of twelve (12) months after the date of inception of the first policy with the Company. ... Injury sustained within the first 7 days of inception of the Policy.\n2. Illness suffered within the first 3 months of inception of the Policy. ... Any Specified Listed Illness suffered within the first 3 months of inception of the Policy.\n2. Hip/Elbow Dysplasia/ Feline Osteoarthritis, Chronic Kidney Disease, Chronic Liver Disease suffered within the first 1 year of inception of the Policy. ... Any claims arising from expenses incurred for treatment of an intentional Injury or condition due to abuse (including persistent neglect) of Insured Pet, by Pet Owner or a member of Pet Owner household. ... The cost of any elective treatment, any preventive treatment or any treatment that Pet Owner choose to have carried out, but is not related to any Injury or Illness, including any complications that may arise. ... Any claims arising from expenses incurred for Congenital Defects or Abnormalities where clinical sign(s) became apparent prior to the inception this Policy. ... The Company will not make any payment if Insured Pet has shown clinical signs/symptoms or is diagnosed as suffering from any Illness or Injury within the initial waiting period, as mentioned in the Policy Schedule. ... Routine Vaccinations of the Insured Pet, apart from as per Section 4.3. ... Any Claims arising outside the territorial limits of India. ... Any medication or treatment not recommended by a Veterinary Practitioner. ... If Insured Pet is sold or where there is no financial interest involved by Pet Owner whether temporarily or permanently. ... Legal expenses, fines and penalties connected with, or resulting from, a Criminal Case or an Act of Parliament made in India. ... Any Claims for treatment of a third-party due to any diseases being transmitted from animals to humans. ... Company will not cover the cost of buying or hiring any type of machinery, animal housing or cages. ... Any kind of unproven or Experimental Treatment, Services including device, treatment, procedure or pharmacological regimens which are considered as experimental, investigational or unproven. ... Any kind of DNA testing or Cloning.","sources":[{"clause":"5","heading":"WAITING PERIOD - Pre – Existing Disease","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-5-4"},{"clause":null,"heading":"Exclusions to Section A –","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-exclusions-to-section-a"},{"clause":null,"heading":"Exclusions to Section B –","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-exclusions-to-section-b"},{"clause":"6.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-1"},{"clause":"6.2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-2"},{"clause":"6.3","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-3"},{"clause":"6.4","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-4"},{"clause":"6.5","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-5"},{"clause":"6.8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-8"},{"clause":"6.9","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-9"},{"clause":"6.10","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-10"},{"clause":"6.11","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-11"},{"clause":"6.12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-12"},{"clause":"6.13","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-13"},{"clause":"6.23","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-23"},{"clause":"6.24","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-6-24"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance related to the policy, the insured person may submit it in writing to the Policy Issuing Office or the Grievance cell at the Company's Regional Office. If it remains unaddressed, they may contact the Customer Relationship Management Department of National Insurance Company Limited.","display":"First write to the Policy Issuing Office or Regional Office Grievance cell; if unaddressed, contact the Customer Relationship Management Dept.","note":null,"quote":"In case of any grievance related to the Policy, the Insured Person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the Insured Person may contact Customer Relationship Management Dept., National Insurance Company Limited, Premises No. 18-0374, Plot no. CBD-81, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":null,"heading":"8 REDRESSAL OF GRIEVANCE","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-8-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Surgery Expenses for Medically Necessary Surgery following an Injury or Illness","Emergency Care for accidental ingestion of a harmful substance or object, Accidental Injury or broken bones, and burn Injury","Pre & Post Expenses","Major Illness Treatment for Specified Listed Illnesses","Epidemic and Pandemic Preventative Care","Pet Ambulance Cover","Third-Party Liability Cover"],"display":"Surgery expenses, emergency care, pre and post expenses, major illness treatment, epidemic and pandemic preventative care, pet ambulance cover, and third-party liability","note":"Plan 2 is a Third Party Liability Plan; the listed medical covers are under Plan 1.","quote":"The Company shall indemnify the Pet Owner for Medical Expenses (including related Defined Costs) incurred for Medically Necessary Surgery following an Injury or Illness ... Accidental Emergency Conditions are:\na) The Insured Pet accidentally ingests a harmful substance or object.\nb) The Insured Pet sustains Accidental Injury or broken bones.\nc) The Insured Pet sustains burn Injury. ... The Company shall indemnify the Pet Owner for the Medical Expenses related to the Section A (Surgery Expenses) or Section A.1 (Emergency Care) incurred up to 5 days immediately before the In-Patient Treatment & up to first 15 days immediately after discharge ... Treatment of the Insured Pet due to any Specified Listed Illness only ... The Company shall indemnify the Pet Owner up to Rs. 1000/- for any cost of preventative medicines and/or vaccinations administered to the Insured Pet ... The Company shall indemnify the Pet Owner for third-party ambulance expenses incurred while transporting the Insured Pet to a Veterinary Hospital ... The Company shall compensate the Pet Owner for any liability arising due to Accidental death of or bodily Injury to any third party, or accidental damage to property owned by any third party caused by the Insured Pet","sources":[{"clause":"Section A","heading":"SURGERY EXPENSES","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-a"},{"clause":"Section A","heading":"1 – EMERGENCY CARE","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-a-2"},{"clause":"Section A","heading":"2 – PRE & POST EXPENSES","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-a-3"},{"clause":"Section B","heading":"MAJOR ILLNESS TREATMENT","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-b"},{"clause":"Section B","heading":"1 - EPIDEMIC AND PANDEMIC PREVENTATIVE CARE","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-b-2"},{"clause":"Section C","heading":"PET AMBULANCE COVER","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-c"},{"clause":"Section D","heading":"THIRD PARTY LIABILITY COVER","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-section-d"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"A compulsory co-payment of 10% applies to each admissible claim. Additional co-payment applies for Section A hospitalisation of less than 24 hours and for Optional 1 OPD claims, and voluntary co-payment of 10% or 20% applies if opted.","display":"10% compulsory co-payment; additional 25% for Section A hospitalisation under 24 hours and 15% for optional OPD; voluntary 10% or 20% if opted","note":"The OPD co-payment applies only if the Optional 1 OPD Cover is taken; voluntary co-payment applies only if opted and mentioned in the Policy Schedule.","quote":"A Co-Payment of 10% shall apply to each admissible claim under any covered Section or Optional Covers of the Policy, in respect of any Insured Pet. ... For any hospitalization in which the Insured Pet undergo less than 24 Hours of In-Patient Treatment, shall be covered up to 20% of the Sum Insured (Base), subject to the Compulsory Co-payment and Voluntary Co-payment (if opted) and additional Co-payment of 25%, as mentioned in the Section 7.6. ... Any OPD Treatment shall be covered up to 25% of the Sum Insured (Base), subject to the Compulsory Co-payment and Voluntary Co-payment (if opted) as mentioned in the Section 7.6 and additional Co-payment of 15%. ... Pet Owner may choose either of the two Voluntary Co-payment options, with discount in premium:\n• 10% Co-payment on each admissible claim under the Policy.\n• 20% Co-payment on each admissible claim under the Policy.","sources":[{"clause":"7.6.1","heading":"Compulsory Co-Payment","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-7-6-1"},{"clause":"5","heading":"Prescribed Medicines","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-5"},{"clause":"4.2.1","heading":"OPTIONAL COVERs Available with PLAN – 1 Only","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-4-2-1"},{"clause":"7.6.3","heading":"Voluntary Co-Payment","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-7-6-3"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The Pet Owner may cancel the policy at any time during the policy period by written notice. The Company refunds proportional premium for the unexpired policy period only if no claim has been made during the policy period.","display":"Proportional premium for the unexpired Policy Period, subject to no claim(s) made","note":null,"quote":"The Pet Owner may cancel the Policy at any time during the Policy Period, by giving written notice to the Company. The Company shall refund proportional premium for unexpired Policy Period subject to no claim(s) made during the Policy Period.","sources":[{"clause":"7.3","heading":"Cancellation Clause","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-7-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The coverage under this policy is available in India only.","display":"India only","note":null,"quote":"The coverage under this Policy is available in India only.","sources":[{"clause":"7.12","heading":"Territorial Limit","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-7-12"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures pet dogs and cats owned by the Pet Owner and specified as the Insured Pet in the policy.","display":"Pet dogs and cats owned by the Pet Owner and specified in the Policy","note":null,"quote":"This product is available to Pet Dogs & Cats only. ... in respect of Pet(s) owned by the Pet Owner named in the Policy Schedule hereto (hereinafter called the Insured Pet) ... Insured Pet shall mean the named pet specified in the Policy.","sources":[{"clause":"2.1","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13143#c-2-1"},{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-1"},{"clause":"3.16","heading":"Insured Pet","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063#c-3-16"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings","pages":14,"fetched_at":"2026-10-17 19:58:37+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/Policy%20Wordings_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13063"},{"kind":"prospectus","label":"Prospectus","pages":15,"fetched_at":"2026-10-17 20:00:54+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13143"},{"kind":"cis","label":"CIS","pages":4,"fetched_at":"2026-10-17 20:03:49+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627/document/13218"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"National Love-Your-Pet Insurance (UIN IRDAN058RPMS0130V01202627), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-love-your-pet-insurance-irdan058rpms0130v01202627"}