Insurance cover shall not be provided for Death or loss due to: -

• Negligence, unskilled treatment or animal’s use (without Company’s consent) for purposes beyond the policy’s guidelines.

• Such diseases/accidents that were contracted prior to the policy’s commencement.

• Intentional killing, however, killing under legal and/or veterinarian’s supervision is an exception.

• Air or sea transport and transit beyond 80 kilometers.

• Death due to Pleuropneumonia in Lakhimpur and Sibsagar District of Assam

• Any kind of partial disability, be it permanent or temporary.

• Damage due to war, nuclear exposure, theft, secret sales or a missing case of an insured animal.

• Animal’s demise within 15 days of policy’s inception.

• 'No tag-No claim' provision is applicable to the policy.

Cancellation

• We may cancel this Policy by sending 15 days’ notice in writing by Regd. A.D. to You at Your last known address. You will then be entitled to a pro-rata refund of premium for the unexpired period of this Policy from the date of cancellation, which We are liable to repay on demand. You may cancel this Policy by sending a written notice to Us. We will then arrange a refund after retaining the premium based on the following Short Period scale.