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PetCare Insurance Policy Wording

PetCare Insurance Policy Wording

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Published by Yowchuan Lee
Policy Wording for Kurnia Insurans (M) Berhad's PetCare Insurance
Policy Wording for Kurnia Insurans (M) Berhad's PetCare Insurance

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Categories:Business/Law, Finance
Published by: Yowchuan Lee on Feb 09, 2010
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04/11/2014

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UW-NM-F310REV: A
 
PET CARE INSURANCE POLICY
Page 1 of 3
WHEREAS
the Insured described in the Schedule hereto has by aproposal and declaration which shall be the basis of this contractand deemed to be incorporated herein has applied to
KURNIAINSURANS (MALAYSIA) BERHAD
(hereinafter called “theCompany”) for insurance hereinafter contained and has paid oragreed to pay the premium in respect of such insurance asconsideration for the Insurance during the Period of Insurancestated in the Schedule and for which same may be renewed.
Now the Policy witnessed
that subject to the terms andconditions contained herein or endorsed or otherwise expressedhereon the company will indemnify the Insured in the manner andto the extent hereinafter provided in the Policy in respect of eventshappening within the Territorial Limit during the period of insurance.The Company’s liabilities to the Insured shall not exceed the Limitof Liability or Sum Insured shown in the Schedule:
DEFINITIONS
1.
 
We/Us/Our/The Company/KIMB
shall mean KurniaInsurans (Malaysia) Berhad.2.
 
You/Your/Yourself 
shall mean the person specified in theSchedule and/or Certificate of Insurance as the Policyholderand owner of your pet.3.
 
Your Pet/Insured Animal/Pet
shall mean your cat or dognamed and described in the Schedule and/or Certificate of Insurance.4.
 
Your Family
shall mean your spouse, children, parent andother relatives normally living with you.5.
 
Vet
shall mean a Registered Veterinary Surgeon recognized bythe Malaysian Veterinary Council.6.
 
Period of Insurance
shall mean
 
the date shown on theSchedule and/or Certificate of Insurance.7.
 
Incident
shall mean a specifically identifiable accident, injury,disease or conditions. Recurring and/or chronic conditions shallbe considered as one loss. Such conditions being defined as:a) Clinical manifestations resulting in the same diagnosis(regardless of the number of incidents or areas of thebody affected) to which your pet has an on goingpredisposition or susceptibility related in any way to theoriginal claim; orb) Conditions that is incurable and likely to continue for theremainder of your pet’s life.8.
Accident
shall mean sudden and unexpected event whichhappen during the period of insurance which results in deathand/or injury to your pet.9.
Injury
shall mean bodily injury caused by an accident.10.
Illness
shall mean disease, sickness or infection which is notcaused by injury.11.
Treatment
shall mean any examination, consultation, advice,tests, x-rays, medication, surgery, nursing or care provided bya Vet.12.
Excess
shall mean the first amount of each and every claimwhich you must pay, as shown on the Schedule and/orCertificate of Insurance.13.
Condition
shall mean any injury, illness or disease or anysymptoms or signs of injury, illness or disease including relatedproblems.14.
Pre-existing Condition
shall mean conditions which existedprior to the inception of policy are not covered under this policyunless otherwise stated by us. However, if the pet is free fromsymptoms, treatment, medication, tests or advice theconditions for a period of one continuous year at the inceptiondate of cover the condition would be eligible for cover.15.
Territorial Limit –
within Malaysia only.16.
Age Limit –
from 4 (four) months to 8 (eight) years old.17.
Veterinary fees
shall mean fees charged by a vet for atreatment of a condition that our pet has received during thepolicy year for an illness or injury.
BENEFITS
A. VETERINARY FEES
We will pay you all customary charges made for treatmentcarried out by a vet. Cover is provided for an accident orillness occurring to your pet, subject to the sum insured asspecified in the Schedule and/or Certificate of Insurance.The limit of cover and excess are on a per incident basissubject to the annual limit as per plan chosen.
Exclusions
 The company will not be liable for:a) The excess amount of each and every claim whereapplicable and as specified in the Schedule and/orCertificate of Insurance.b) Any treatment after the policy has lapsed/expired.c) Any expenses not supported by a signed receipt by avet.d) Veterinary fees in connection with:i) Any pre-existing conditions or illness unless agreedby us.ii) Any illness or disease arising prior to or within 30(thirty) days of the inception date of the insurance.(This exclusion is not applicable to renewed policies) iii) Preventative and elective treatments, vaccination,routine examinations and treatment, whelping,kittening and any treatment in connection withpregnancy or parturition.iv) Organ transplant.v) Behavioural problems and training unless causedas a direct result of an insured incident occurringduring the period of insurance.vi) Non-essential hospitalisation and/or house calls.vii) All supplements, diet foods, vitamins of all kindsand all pet grooming products, including shampoo,body care and the likes.viii) The cost of dentistry.ix) Any claim for any form of special diet,housing, or bedding needed for the treatment ororiginal well being of the insured pet.x) Any claim for cryptorchism.xi) Any claim as a result of a ‘notifiable’ disease(vicious or aggressive behaviour) e.g. Rabies.xii) Skin disease of any kindxiii) Diseases due to tick and fleas.
B. ACCIDENTAL DEATH
We will pay you the sum insured as specified in the Scheduleand/or Certificate of Insurance in the event your pet diesfrom accident, or in the event of humane destruction, if certified by a vet necessary to alleviate incurable andinhumane suffering of the pet, due to accident.
C. KENNEL OR CATTERY FEES
We will reimburse you for boarding kennel or cattery fees, ina licensed boarding establishment, veterinary clinic orhospital up to the maximum amount as specified in theSchedule and/or Certificate of Insurance in any one period of insurance in the event that you are hospitalised on medicaladvice for a period exceeding 3 days.
Exclusions
We will not be liable for:a) Your hospitalisation as a result of pregnancy.b) Any known medical conditions likely to give rise tohospitalisation at the inception date of this purchase.
D. BURIAL OR CREMATION EXPENSES
We will reimburse you up to the sum insured as specified inthe Policy Schedule and/or Certificate of Insurance for thecost incurred by you in giving your pet a burial or cremationin the event of death to your pet.
 
UW-NM-F310REV: A
 
PET CARE INSURANCE POLICY
Page 2 of 3
Exclusions
We will not pay for any expenses not supported by a signedreceipt of a registered/recognised burial or cremation parlour.
E. THIRD PARTY LIABILITY
We will indemnify you up to the limit of liability (including costor expenses of litigation recoverable or incurred subject to ourprior consent) specified in the Policy Schedule and/orCertificate of Insurance for any claim or series of claims arisingfrom any one event and in aggregate, if any person is injuredor killed or their property is damaged as a result of an incidentinvolving your pet and for which you are legally liable.For this purpose of this section the definition of ‘You’ and ‘Your’ is extended to include any person looking after your pet withyour permission.
Exclusions
The Company will not be liable:a) The excess amount of each and every claim whereapplicable and as specified in the Schedule and/orCertificate of Insurance.b) An agreement or contract unless liability would haveexisted otherwise.c) Deliberate acts by you or members of your family.d) Loss or damage to the property in the ownership, custodyor control of you or your family or household or anyperson employed by members of your household.e) Accidental bodily injury to or disease contracted by you ora member of your family or persons permanently residingwith you.f) Accidental bodily injury or disease contracted by anyperson who is under a contract of service orapprenticeship with you when such injury or diseasearises out of and in the course of employment by you.
GENERAL EXCLUSIONS
We will not be liable for:1. For claims resulting from pre-existing conditions.2. For death or destruction of your pet as a result of sickness ordisease resulting from the failure to vaccinate your pet inaccordance with the practice recommended by the MalaysianVeterinary Council or any other relevant authorities.3. Any claims as a consequence of war, invasion, act of foreignenemy, hostilities (whether war be declared or not), civil war,rebellion, terrorism, revolution, insurrection, military orusurped power.4. Any claim or liability directly caused or contributed to, by orarising from:i. Ionisation radiations or contamination by radioactivity fromany nuclear fuel or from any nuclear waste from thecombustion of nuclear fuelii.The radioactive, toxic, explosive or other hazardousproperties of any nuclear assembly or nuclear component of such assembly.5. Any claim resultant of intentional slaughter, irrespective of anyorder by the Government, Local Authority or any personhaving jurisdiction in the matter, except in the case if humanedestruction to alleviate incurable and inhumane suffering.6. Any animal that is banned by local authority within Malaysia.7. Malicious or wilful injury or gross negligence to your pet causedby you, your agents, employees or members of your family.8. Any claims where medication has not been recommended by avet.9.The use of your pet in connection with any trade commercialand business purposes.10. Any loss arising directly or indirectly out of infringement of Malaysia animal health and importation regulation.11. Any pet sold or where any financial interest is parted with you,whether temporarily or permanently.
GENERAL CONDITIONS
You must comply with the following conditions to have the fullprotection of your policy.If you do not comply we may at our option cancel the policy orrefuse to deal with your claim or reduce the amount of any claimpayment.1. It is warranted that your pet is free from any injury, illnessor physical disability whatsoever at the commencement dateof this insurance. It is further warranted that your pet hasreceived, at the appropriate time, initial and boostervaccinations against distemper, hepatitis, leplospirosis andparvovirus in the case of dogs, against feline infectiousenteritis and feline influenza in the case of cats or as advisedby a vet. All vaccinations must be administered under vet’ssupervision.2. It is a condition precedent to liability that you will provideproper care and attention at all times for your pet.3. You agree that your current or previous vet(s) may releaseinformation or records regarding your pet to us.4. In relation to any third party liability claims, we may pay upto the limit of indemnity or lesser compensation and shall bereleased from any further liability under this policy. (Exceptfor cost or expenses of litigation recoverable or incurred withour consent prior to the date of such payment).5. If the proposal or declaration of the Insured is untrue in anyrespect or if any material fact affecting the risk beincorrectly stated therein or omitted therefrom or concealedor if this Insurance or any renewal thereof shall have beenobtained through misstatement, misrepresentation,suppression or concealment or if any claim made shall befraudulent or exaggerated or if any false declaration orstatement shall be made in support thereof then in any of these cases this Policy shall be void.6. a) You may cancel this Policy at any time by notifying us inwriting. Provided that no claim has arisen during theperiod of Insurance, we shall refund you the premiumfor the unexpired period of insurance calculated at ourshort-period rates, subject to a minimum premium of RM50.00 being retained by us.b) We may cancel this Policy at any time by giving youfourteen (14) days’ written notice by registered letter toyou at your last known address, and, in such event, wewill return a pro-rata portion of the premium to you forthe balance of the unexpired period of insurance.7. Your pet must not have previously displayed vicious oraggressive behaviour.8. Your pet must be microchip embedded for identificationpurposes.9. Your pet must not be a breed that is banned in Malaysia.Breed of dogs banned in Malaysia are as follows:Pit Bull Terrier (also known as American Pit Bull,American Pit Bull Terrier, American Staffordshire Terrierand Staffordshire Bull Terrier)American BulldogNeapolitan Mastiff Japanese TosaAkitaDogo ArgentinoFila BrazillieroOther breeds that may be banned by the relevantauthorities in future.
CLAIMS CONDITIONS
1.
 
In the event of any accident likely to give rise to a claimunder this Policy the Insured shall within fourteen (14) daysafter the happening of the accident give notice to theCompany and furnish full particulars of the accident andinjury.2. If any liability under this insurance is covered by any otherinsurance policy we will not pay more than our rateableproportion.

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Hallieks added this note
Pet insurance is a great idea as is choosing pet cremation jewelry http://www.jewelrykeepsakes.com/Pet-C... to honor and remember deceased pets. The interior will hold approximately a pinch of cremated remains and the design of the jewelry urn is very discreet.
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