FURTECTED COVERAGE GUIDE
What’s covered – with claim limits explained.
A complete summary of illnesses, surgeries, and accidents covered under the pet insurance policy, distributed by Furtected including the exact claim cap for each benefit.
How claims & caps work
- There is no fixed limit on the number of claims.
- The pet parent can claim multiple times during the policy year.
- Each claim is reimbursed up to the cap shown for that benefit.
- All claims draw from the purchased Sum Insured once fully exhausted, no further claims are payable for that year.
- Co-payment (if any) applies as chosen at purchase.
SECTION A
Illness Cover
Claims reimbursed up to the cap shown in each section header. Multiple claims allowed; all draw from purchased Sum Insured.
MAJOR ILLNESSES
Claim Cap: 100% of Sum Insured| Condition | Notes |
|---|---|
| Benign Tumour (Medical Oncology) | |
| Haemophilia | |
| Leukaemia | |
| Pyothorax | |
| Liver failure / Cirrhosis | |
| Insulinoma | |
| Pancreas disorder | |
| Splenic cancer (Benign) | |
| Canine Distemper | Vaccination required |
MINOR ILLNESSES
Claim Cap: 25% of Sum Insured or Rs.15,000- whichever is lower| Condition | Category/Notes |
|---|---|
| Arteriosclerosis | Cardiovascular |
| Atrial fibrillation | Cardiovascular |
| Cardiac arrhythmia | Cardiovascular |
| Cardiomyopathy | Cardiovascular |
| Congestive heart failure | Cardiovascular |
| Endocarditis / Myocardial effusion / Myocarditis | Cardiovascular |
| Mitral valve insufficiency | Cardiovascular |
| Thrombosis | Cardiovascular |
| Pericardial Effusion | Cardiovascular |
| Emphysema | Respiratory |
| Pneumonia | Respiratory |
| Pharyngitis | Respiratory |
| Kennel Cough | Respiratory |
| Pleural effusion | Respiratory |
| Haemorrhagic gastro-enteritis (vomiting with bloody diarrhoea) | Gastro-intestinal |
| Splenic disorders / Gastric dilation (Bloat) | Gastro-intestinal |
| Acute & chronic renal failure | Urinary |
| Nephritis / Pyelonephritis | Urinary |
| Urinary calculi | Urinary |
| Kidney stone | Urinary |
| Cystitis | Urinary |
| Laser therapy | Specialized Therapy post-surgical or accidental injuries only |
| PRP therapy | Specialized Therapy accidental injuries, renal failure & listed illnesses only |
| Blood transfusion | Specialized Therapy accidental injuries or listed illnesses only |
| Leptospirosis | Vaccination required |
| Hepatitis | Vaccination required |
| Skin conditions – internal/external parasites & Protozoal disease | |
| Metritis & Endo metritis | Reproductive |
| Pyometra | Reproductive |
| Prolapse & Dystocia | Reproductive |
| Aural Haematoma | |
| Pus & abscess | |
| Hip Dysplasia | Orthopedic |
| Therapeutic Diagnostics | |
| Arthritis |
SECTION B
Surgery Cover
All listed surgeries covered. Expenses 15 days before and after the procedure are included.
| COVERED SURGICAL PROCEDURES | Claim Cap: 100% of Sum Insured | 15 days pre & post covered |
|---|---|
| Gastric torsion / Gastric dilation (Bloat) | Intussusception |
| Splenic torsion | Megacolon |
| Pyloric stenosis | Benign gastric / intestinal tumours |
| 4th/5th rib removal / Pericardial drainage Kidney / urinary bladder / urethra / ureter surgery (under GA) Eye surgery – penetrating injuries to eyeball (under GA only) Tier 1 Spine, Cardiac & Neuro surgery |
Diaphragmatic hernia Aural haematoma & ear related surgery Cardiovascular surgery (for covered illness/injury) Tier 2-GIT, Urinary & Reproductive, Ophthalmology. Dentistry, Respiratory, Laparoscopy, Surgical Oncology, Abdominal |
| Ortho & Dental surgery (due to accident or injury) | Arthroscopic procedures (necessitated by injuries) |
| Surgery for Arthritic changes | Surgery for benign tumours / cancer |
SECTION C
Accident & Injury Cover
Covered from Day 8 of policy. Each injury type has its own specific cap as shown below.
| Injury Type | Claim Cap | Notes |
|---|---|---|
| Animal bites | Up to Rs.5,000 | Vet-administered treatment only |
| Burns from an accident | 25% of Injury Sl or Rs.10,000 (lower) | |
| Broken bones from an accident | 25% of Injury Sl or Rs.10,000 (lower) | Pre-existing fractures excluded |
| Loss of use of one limb | 50% of Injury Sl (max Rs.25,000) | If 2nd limb also lost, claim under next tier |
| Loss of use of two or more limbs | 100% of Injury SI | Replaces single-limb claim |
| Other accidental bodily injury | Up to Injury Sum Insured | Must be certified by a Vet |
SECTION D
What’s Not Covered – in plain language
Main exclusions pet parents should know before making a claim.
Regular vet visits, health check-ups, vaccination costs and deworming are not covered.
Any illness or injury the pet had before the policy start date is not covered.
Conditions the pet was born with birth defects, structural abnormalities are excluded.
Grooming, nail clipping, dental scaling, spaying/castration (unless medically required), and microchipping are not covered.
Costs related to pregnancy, whelping, kittening, or rearing puppies/kittens are not covered.
Malignant cancer of any type is excluded. Only benign tumours are covered.
Supplements, probiotics, medical devices, and pet accessories even if vet-recommended are not covered.
Alternative medicine including homeopathy, herbal medication, acupuncture, and hydrotherapy are not covered.
Tooth decay, gum disease, and dental damage not caused by an accident are excluded..
If the pet is not up-to-date on required vaccines, claims for those diseases will be rejected.
Important: pet care requirements to keep policy valid
The pet must be vaccinated against Distemper, Hepatitis, Leptospirosis, Parvovirus, Rabies, Kennel Cough and Corona.
Regular de-worming, grooming and a healthy diet must be maintained.
Claims may be denied if adequate care has not been taken.