Co-Insurance and Deductible are applicable for "Veterinary Treatment Expenses Benefit" only.
Excluded Dog Breeds mean any one of the following dog breeds are excluded from coverage under this Policy:
- Deductible means the first and fixed portion of the claim amount which is payable by you for each and every claim under the Veterinary Expenses Cover Benefit. The deductible which is borne by you is stated in your Policy Schedule.
- Co-Insurance means the applicable percentage value listed in your Policy Schedule that, with regards to coverage under the Veterinary Expenses Cover Benefit, represents the amount of any loss for each and every single claim which you shall bear at your own risk and shall be uninsured by us. The Co-Insurance should be calculated before the deductible is applied to the claimed amount.
Please refer to the scenario explained here.
No, please purchase separate policies for each pet.
Excluded Dog Breeds mean any one of the following dog breeds are excluded from coverage under this Policy:
- Pit Bull, which includes the American Pit Bull Terrier (which is also known as the American Pit Bull and Pit Bull Terrier), American Staffordshire Terrier, Staffordshire Bull Terrier, American Bulldog;
- Akita;
- Neapolitan Mastiff;
- Tosa;
- Dogo Argentino;
- Fila Brasileiro;
- Boerboel;
- Perro De Presa Canario; or
- Crosses of a) to h) with other breeds.
The policy does not cover:
- pre-existing conditions;
- non-specified hereditary and congenital condition(s);
- non- specified neutering and spaying condition(s); and/or
- elective procedures, cosmetic procedures, preventive procedures.
- Spaying and Neutering); and/or
- Spaying and Neutering Conditions if your pet is not spayed or neutered at least 30 days before the condition is diagnosed.
All benefits and coverages are subject to the terms and conditions of the policy. Please refer to the Policy Wording for the full insuring clauses, definition, schedule, extensions, terms, conditions and limits of the policy.
Yes, the Veterinary Treatment Expenses Benefit covers reasonable costs for medical or surgical treatment of your Pet Friend’s accidental injuries and illnesses. This includes expenses for x-rays, laboratory and diagnostic tests, medication, surgeries, supplies, hospitalisation, euthanasia, and nursing care.
However, please note that veterinary consultation and examination fees are excluded from coverage. These fees refer to the costs associated with a veterinarian’s professional opinion, including consultations, examinations, referrals, and rechecks.
Please note the following waiting periods for Veterinary Treatment Expense Benefit:
- Accidental Injury: There is no waiting period for accidental injuries, so the Pet Friend can get the care they need right away.
- Specified Neutering and Spaying Condition(s): Chubb will cover expenses related to Specified Neutering and Spaying Conditions 30 days after spaying or neutering. Other conditions not stated will not be covered.
- Sickness: Chubb will not cover veterinary expenses related to any sickness that occurs or is diagnosed within the 90-day waiting period from the policy.
- Commencement Date. This also applies to any subsequent treatment for the same conditions that first occurred during this waiting period.
- Specified Hereditary & Congenital Conditions: Chubb will cover expenses related to Specified Hereditary & Congenital Conditions 12 months after Policy Commencement. Other conditions not stated will not be covered.
Please note the following waiting period for Emergency Pet Accommodation Expenses Benefit:
- Accidental Injury to Pet Parent: There is no waiting period for accidental injury.
- Sickness of Pet Parent: Chubb will not pay for any Emergency Pet Accommodation Expenses if Your Confinement is related to any Sickness that occurs or diagnosed within the Waiting Period of thirty (30) days from the Commencement Date, or for any subsequent treatment of the same condition which first occurred during the Waiting Period of thirty (30) days.