a. Vet Fees b. Diagnostics Tests c. Medicines, drugs and consumables d. Intravenous fluids, blood transfusion, injection administration charges e. Operation theatre charges f. Prosthetics and other devices or equipment if implanted internally during Surgical Procedure h. Intensive Care Unit charges d. Pre-hospitalization Medical Expenses - The Company will indemnify the Insured for the reasonable Medical Expenses incurred within 15 days immediately preceding the admission of the Insured Dog to a Veterinary Hospital for the same Illness as accepted in a Claim for Surgery or any Medically Required Treatment of the Insured Dog under this cover, on a solely reimbursement basis. e. Post-hospitalization Medical Expenses - The Company will indemnify the Insured for the reasonable Medical Expenses incurred within 15 days immediately succeeding the discharge of the Insured Dog from a Veterinary Hospital for the same Illness as accepted in a Claim for Surgery or any Medically Required Treatment of the Insured Dog under this cover, on a solely reimbursement basis.

Benefit of subsidy is to be restricted to two animals per beneficiary and is to be given for one time insurance of an animal up to a maximum period of three years

• Death by accident in transit
• Lost or stolen dogs
• Loss of value resultant upon an accident