Cover Plans & Premium
Happy Tails Plans
Protect your pet with Happy Tails™ and give your dog or cat the best medical care while protecting your bank account from unexpected and expensive veterinary bills.
Dog & Cats Insurance (Newly Enhanced)
Happy Tails™ offers three (3) plan options so you can choose the best pet insurance coverage for your Dog or Cat that fits your budget.
| Total Annual Coverage | Furry $8,500 |
Furbulous $15,000 |
Furrific $27,000 |
1. Clinical and Surgical BenefitPays for Medically Necessary Surgery which includes diagnostic test, Veterinarian’s fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a Surgery |
$6,000 | $12,000 | $22,000 |
| Room and Board Expenses Cost of boarding at a licensed veterinarian clinic or hospital following a Surgery |
$800 | $1,200 | $2,000 |
| Pre and Post Surgical Treatment Benefit Follow-up consultations, diagnostic and laboratory services, examinations including acupuncture up to 90 days following Surgery. The total aggregate limit of all benefits combined shall not exceed the Clinical and Surgical Benefit limit. |
$300 | $500 | $1,000 |
2. Chemotherapy BenefitCost of chemotherapy treatment incurred in a licensed veterinary clinic or hospital |
$2,500 | $3,000 | $5,000 |
3. Final Expenses BenefitCost and expenses incurred for euthanasia, cremation, funeral service and handling charges following death of the Pet |
$750 | $1,500 | $2,500 |
4. Third Party Legal LiabilityLegal liability caused by your Pet |
$250,000 | $500,000 | $1,000,000 |
5. Medical Expense due to accidental injury |
NA | NA | $2,500 |
| Co-insurance & Deductible | |||
| Co-insurance Your share of the claim amount before the Deductible. |
20% - Dogs enrolled before age 4 30% - Dogs enrolled before age 7 40% - Dogs enrolled before age 9 |
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| Deductible The fixed amount You bear in a claim in addition to Your share of the Co-insurance. |
$250 | ||
No Claim Discount (NCD)
A discount will be granted on the renewal premium if no claim has been made under the policy in the preceding year.
| Period of Insurance | Inception year | 1st Renewal | 2nd Renewal | 3rd Renewal | 4th & Subsequent Renewals |
| Discount Elegibility | 0% | 5% | 10% | 15% | 15% |
In the event of a claim made, the NCD will be reduced to zero at the following renewal. If there are more than 1 pet insured, the NCD shall be applied on each pet separately.
DISCLAIMER:
You should only apply for Happy Tails if you decide that it is suitable for your risks and needs. Please seek quotes from an alternative market source should the product not be suitable to your risks and needs. This insurance is underwritten by Income Insurance Limited. The information contained herein is subject to the terms, conditions and exclusions of the policy wording, a copy of which can be obtained here.