{"uin":"IRDAN132RPMS0002V02202122","name":"Dog Health Cover","url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-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":"Dog Health Cover is an indemnity policy for an insured pet dog, with surgery and hospitalization cover for medical expenses in India. The policy wording says claim settlement or rejection is within 30 days from receipt of the last relevant and necessary document.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:46:35.206369+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":"not-stated","value":null,"display":null,"note":"The documents describe base covers and optional/add-on covers, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy wording defines Policy Period by the risk inception and end dates shown in the Schedule; it does not print a fixed term.","quote":null,"sources":[],"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":"Intimate claims immediately upon occurrence of any event.","display":"Intimate claims immediately upon occurrence of any event","note":null,"quote":"Intimate claims immediately upon occurrence of any event.","sources":[{"clause":null,"heading":"Calculation of Under Insurance -","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5915#c-calculation-of-under-insurance"}],"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":"quote-verified","value":["Duly completed claim form","Vaccination Certificates","Death Certificate along with colored photographs of the Insured Dog (in case of Claim under Death Cover)","Vet Medical Papers and Bill (in case of Claims under Surgery & Hospitalisation, Death Cover)","Copy of General Diary Entry lodged by Police (in case of Claim under Lost and Stolen Cover)","FIR (in case of Claim under Third Party Liability Cover)","Copy of advertisement (in case of Claim under Lost and Stolen Cover)","Hospitalization bill (in case of Claim under Surgery & Hospitalization Cover)","Court Orders (in case of Claim under Third Party Liability Cover)","Diagnostics Report (in case of Claim under Terminal Illness Cover, and Veterinary Consultation and Doctor On Call Cover)","Any other documents if required by the Company to process the Claim","Hospital bills of the Policyholder for Emergency Pet Minding Cover and self-declaration on non-availability of Family members"],"display":"Claim form, vaccination certificates, relevant death/vet/police/FIR/advertisement/hospitalisation/court/diagnostic records, other documents required, and pet-minding hospital bills with self-declaration","note":null,"quote":"Unless otherwise communicated by Company, following basic documents will be necessary for processing of a Claim under this Policy - o Duly completed claim form o Vaccination Certificates o Death Certificate along with colored photographs of the Insured Dog (in case of Claim under Death Cover) o Vet Medical Papers and Bill (in case of Claims under Surgery & Hospitalisation, Death Cover), Copy of General Diary Entry lodged by Police (in case of Claim under Lost and Stolen Cover) o FIR (in case of Claim under Third Party Liability Cover) o Copy of advertisement (in case of Claim under Lost and Stolen Cover) o Hospitalization bill (in case of Claim under Surgery & Hospitalization Cover) o Court Orders (in case of Claim under Third Party Liability Cover) o Diagnostics Report (in case of Claim under Terminal Illness Cover, and Veterinary Consultation and Doctor On Call Cover) o Any other documents if required by the Company to process the Claim o Hospital bills of the Policyholder for Emergency Pet Minding Cover and self-declaration on non-availability of Family members.","sources":[{"clause":"34(n)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-n-ii"}],"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":"quote-verified","value":"On receipt of all required relevant and necessary information/documents, the Company will offer settlement within 30 days or reject within 30 days from receipt of the last relevant and necessary document. If not settled within 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Within 30 days from receipt of all required information/documents or last relevant and necessary document; interest at 2% above bank rate if delayed","note":null,"quote":"On receipt of all required information/ documents that are relevant and necessary for the Claim, the Company shall, within a period of 30 days offer a settlement of the Claim to the Insured. If the Company, for any reasons, decides to reject a Claim under the Policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. In the event the Claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the Insured/Claimant till the date of actual payment.","sources":[{"clause":"34(n)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-n-ii"}],"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":["Pre-Existing Diseases will be covered after a waiting period of 12 months of continuous coverage with the Company.","The Company will not cover any treatment taken during the Waiting Period, unless the treatment is Medically Required as a result of an Accident.","Treatment for any Congenital Abnormalities.","Costs for cosmetic treatment, elective treatment, routine treatment or preventative treatment recommended by a Vet to prevent an Injury or illness.","Dental Treatment including Surgical Procedures for the treatment of bone disease when related to gum disease or damage, or treatment for, or treatment arising from, disorders of the tempromandibular joint except if Injury is due to an Accident.","Any treatment received outside India","Treatment provided by a Veterinary Practitioner who is not recognized by the Veterinary Council of India.","Any Claim arising from skin related treatments.","Any Claim arising from expenses incurred in connection with breeding, pregnancy or giving birth.","Any non-medical cost and expenses.","Racing, coursing, commercial guarding, organized fighting, or any other occupational, professional or business uses of the Insured Dog.","Any Claims for diseases for which preventive medicines/vaccines has not been taken.","Any Claims for costs or fees for Experimental Surgery/Procedures.","Any Claims for costs incurred on alternate treatments."],"display":"Waiting periods and PED, congenital abnormalities, routine/preventive/cosmetic treatment, dental except accident, outside India, unrecognised vet, skin treatment, breeding/pregnancy/giving birth, non-medical costs, working/business uses, missing vaccines, experimental procedures and alternate treatments","note":null,"quote":"a) Pre-Existing Diseases will be covered after a waiting period of 12 months of continuous coverage with the Company. ... b) Waiting Period - The Company will not cover any treatment taken during the Waiting Period, unless the treatment is Medically Required as a result of an Accident. ... c) Treatment for any Congenital Abnormalities. ... d) Costs for cosmetic treatment, elective treatment, routine treatment or preventative treatment recommended by a Vet to prevent an Injury or illness. ... f) Dental Treatment including Surgical Procedures for the treatment of bone disease when related to gum disease or damage, or treatment for, or treatment arising from, disorders of the tempromandibular joint except if Injury is due to an Accident. ... h) Any treatment received outside India ... a) Treatment provided by a Veterinary Practitioner who is not recognized by the Veterinary Council of India. ... j. Any Claim arising from skin related treatments.\ne. Any Claim arising from expenses incurred in connection with breeding, pregnancy or giving birth.\nk. Any non-medical cost and expenses. ... a) Racing; ... b) Coursing; ... c) Commercial guarding; ... d) Organized fighting; or ... e) Any other occupational, professional or business uses of the Insured Dog ... 2. Any Claims for diseases for which preventive medicines/vaccines has not been taken.\n3. Any excess amount as shown on the Schedule against each benefit in force under the Policy.\n4. Any Claims for costs or fees for Experimental Surgery/Procedures.\n5. Any Claims for costs incurred on alternate treatments.","sources":[{"clause":"34(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-a-5"},{"clause":"34(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-b-5"},{"clause":"34(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-c-5"},{"clause":"34(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-d-4"},{"clause":"34(f)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-f-3"},{"clause":"34(h)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-h"},{"clause":"34(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-a-6"},{"clause":"34(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-b-6"},{"clause":"34(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-a-7"},{"clause":"34(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-b-7"},{"clause":"34(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-c-6"},{"clause":"34(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-d-5"},{"clause":"34(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-e-4"},{"clause":"34(n)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-n"}],"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":"First contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or a branch grievance cell. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievance officer; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: gcicare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708 Insured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-general-conditions"}],"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":["Funeral Cost Cover","Terminal Illness Cover","Surgery and Hospitalization (In-patient) Cover","Death Cover"],"display":"Funeral cost, terminal illness, surgery and hospitalization, and death cover","note":"The wording separately lists add-on covers upon additional premium.","quote":"1) Funeral Cost Cover – The Company shall pay a fixed amount of INR 5,000 for costs incurred towards burial or electric cremation of the Insured Dog ... 2) Terminal Illness Cover – The Company shall pay the applicable Sum Insured specified in the Schedule against this benefit, as a lumpsum amount, in the event that the Insured Dog is diagnosed with any one or more Terminal Illness at first instance during the Policy Period ... 3) Surgery and Hospitalization (In-patient) Cover –The Company shall cover the following under this benefit, up to the Sum Insured (Up to INR 50,000) specified against this benefit in the Schedule: ... 4) Death Cover - The Company will pay the Sum Insured as specified in the Schedule, in the event that the Insured Dog dies due to an Illness, Injury arising from an Accident including fire, famine, riot, strike and civil commotion, Surgery performed, or as a result of the Vet putting the Insured Dog to sleep in order to alleviate its incurable and inhumane suffering due to an Illness or Accident during the Policy Period.","sources":[{"clause":null,"heading":"Category Weight Range (in KG) Small 0 - 10 Medium 10 – 25 Large 25 – 40 Giant 40 +","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-category-weight-range-in-kg-small-0-10-medium-10"},{"clause":"34(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-f"},{"clause":"34(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-d-2"},{"clause":"34(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-34-e-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible is the amount stated in the Schedule, borne by the insured for each and every claim for the insured dog; the Company pays only in excess of the deductible.","display":"Amount stated in the Schedule, for each and every claim","note":null,"quote":"“Deductible” means the amount stated in the Schedule, which shall be borne by the Insured in respect of each and every Claim made with respect to the Insured Dog under this Policy. The Company’s liability to make any payment under the Policy is only in excess of the Deductible.","sources":[{"clause":"6","heading":"“Deductible”","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-6"}],"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 insured can cancel at any time by written notice. If no claim has been made till the cancellation request, proportionate premium is refunded for the unexpired period, for policy periods up to one year and more than one year.","display":"Proportionate premium for unexpired period, if no claim has been made","note":null,"quote":"Cancellation of policy by the Insured:\nThe Insured can cancel the insurance cover at any time during the Policy Period by serving a written notice to the Company, with or without citing the cause/reason.\nRefund of premium will apply in the following manner:\n1. If the Policy Period is upto one (1) year and no claim has been made till the date of cancellation request, Proportionate premium will be refunded for the unexpired period.\n2. If the Policy Period is more than one (1) year and no claim has been made till the date of cancellation request, Proportionate premium will be refunded for the unexpired period.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-general-conditions"}],"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 cover is restricted to claims occurring in India, and payment is in Indian Rupees only.","display":"Claims occurring in India only","note":null,"quote":"Territorial Limits: The cover provided under this Policy is restricted to Claims occurring in India. The obligation of the Company to make payment or shall make payment in Indian Rupees only.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910#c-general-conditions"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Dog Health Cover Policy Wordings","pages":17,"fetched_at":"2026-10-17 19:37:12+00","source_url":"https://www.generalicentralinsurance.com/downloads/lifestyle-insurance/dog-health-cover/policy-wording/dog-health-cover-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5910"},{"kind":"prospectus","label":"Dog Health Cover Prospectus Form","pages":14,"fetched_at":"2026-10-17 19:37:13+00","source_url":"https://www.generalicentralinsurance.com/downloads/lifestyle-insurance/dog-health-cover/prospectus-forms/dog-health-cover-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5912"},{"kind":"cis","label":"Dog Health Cover Customer Information Sheet","pages":9,"fetched_at":"2026-10-17 19:37:14+00","source_url":"https://www.generalicentralinsurance.com/downloads/lifestyle-insurance/dog-health-cover/customer-information-sheet/dog-health-cover-retail-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122/document/5915"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"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":"Dog Health Cover (UIN IRDAN132RPMS0002V02202122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/dog-health-cover-irdan132rpms0002v02202122"}