The policy will pay the amount indicated on the benefit table due to the following:

Death as a result of the covered accident.  Please read the Pet Medical Reimbursement for Covered Accidental Injuries for the list of covered accidents or refer below. 

• Bone fracture
• Burn or electrocution
• Complications from drowning
• Bite wound or fight wound abscesses
• Tick paralysis
• Snake bite toxicity
• Foreign body obstruction
• Poisoning
• Embedded grass seed
• Anaphylactic shock or allergic reaction to insect or arachnid bites
• Torn nail    

Death due to essential euthanasia as a result of the covered accidental injuries and illnesses.  Please read the Pet Medical Reimbursement for Covered Illnesses and Pet Medical Reimbursement for Covered Accidental Injuries for the list of covered accidental injuries and illnesses or refer below.

• Cancer, lumps, cysts, growths;
• Cherry Eye;
• Non-Diabetic Cataracts;
• Cruciate Ligament Condition or Traumatic Ligament or Tendon Injury;
• Intervertebral Disc Disease (IVDD);
• Urinary Tract Infection, Disease, and/or Obstruction;
• Gastric-Dilatation Volvulus (GDV);
• Hip Dysplasia;
• Pyometra;
• Gastrointestinal Problems;
• Outer and Inner Ear Infections;
• Arthritis;
• Renal Disease.

The following are not covered under this benefit:

• Voluntary euthanasia i.e. non-essential euthanasia
• Accidental death or euthanasia occurring outside of the Philippines.

The policy will reimburse 90% of the following expenses from legal liability you incurred up to the amount stated in the benefit table due to the actions of the pet:

1. Medical necessary expenses of others as a result of an injury caused by your pet;
2. Veterinary expenses of a pet of others as a result of an injury caused by your pet;
3. Legal fees in defending a claim against you;
4. Repair or replacement costs incurred due to damage to the property of others.

Notes:

1. You must immediately notify BDO Insure or the insurance company of any incident that may be potentially claimable under this benefit.
2. You must not agree to pay or settle any amount or negotiate without the consent or approval of the insurance company, except for medically necessary expenses for immediate relief of the other person and/or his/her pet.
3. Liability caused by your pet with a history of aggression, punitive damages, and liability occurred outside of the Philippines are not covered.  Please read the Terms and Conditions for the complete list of exclusions.

The policy will reimburse 90% of the Veterinary Expenses incurred up to the amount indicated on the benefit table due to the covered condition sustained by your pet under the Medical Reimbursement due to Specified Accidental Injury Benefit, Medical Reimbursement due to Specified Illness Benefit, or Acute Dental Conditions Benefit, if you availed these benefits, sustained while on a trip outside of the Philippines with your pet. 

This benefit is subject to the following:

1. The international trip must not be more than 30 days,
2. The payment will be in PHP at the exchange rate on the date of the claim notification,
3. You must obtain the required permit from the Bureau of Animal Industry, airline, or shipping company for the pet and must comply with the requirements for international pet travel of the destination country.

The following are not covered:

1. Any veterinary expenses if the international trip is more than 30 days
2. Any veterinary expenses If the pet or the pet owner live permanently outside of the Philippines
3. Exchange commission or bank charges incurred for foreign payment
4. Any veterinary expenses if the pet was not under the direct care of the pet owner
5. Any Veterinary Expenses arising from a condition sustained while in quarantine
6. Any travel or repatriation charges to return the Insured Pet to the Philippines.

The policy will pay the amount indicated on the benefit table in the event of a Petnapping of the pet committed by a Third Party occurring within the Philippines. The Petnapping must be reported to the police within forty-eight (48) hours of discovering the Petnapping of the pet. The Petnap Benefit shall only be payable once during the lifetime of the Insured Pet.