- 
There is no tax benefit associated with the Vetic Pet Health Shield.
  - 
Pregnancy-related surgeries are not covered under the Vetic Pet
            Health Shield.
  - 
No Claim Bonus (NCB) is not applicable under the Vetic Pet Health
            Shield.
  - 
Payment for the treatment must be made upfront by the policyholder,
            and the claim will be settled via reimbursement process after
            submission and verification of all required and valid documents.
  - 
Once Vetic Pet Health Shield is issued, cancellation charges will
            apply.
  - 
Claim settlement may take up to 45 working days, subject to
            receiving all necessary and valid documents and clearance from HDFC
            Ergo.
  - 
The purchase cost of prescription food is not covered under Vetic
            Pet Health Shield.
  - 
Pre-existing illnesses or health conditions are not covered under
            the Vetic Pet Health Shield.
  - 
Elective surgeries such as neutering, spaying, dental scaling, and
            surgeries related to congenital issues are not covered under the
            Vetic Pet Health Shield.
  
* Vetic Pet Health Shield powered by HDFC Ergo Paws n Claws is also
            referred to as Vetic Pet Health Shield interchangeably.
 -  Claim Intimation Timelines : To
            ensure smooth processing, please inform us about any claims within
            15 days from the start date of treatment to +919821338300 or shield@vetic.in. Timely
            reporting helps us serve you better!
  
Note: Please refer to the policy brochure for details on the major
            illness included in our list of 43 specified illnesses.