Policy does not cover

• Malicious or wilful misconduct or neglect over loading unskilled treatment or use of the animal for the purpose other than stated in the policy without the consent of the company in writing.
• Accidents occurred or diseases contracted prior to commencement of risk.
• Intentional slaughter.
• Transport by air / sea and road beyond 80 kms.
• Theft / clandestine sale missing of insured animal.
• Partial disablement of any type.
• War perils.
• Nuclear perils
• Consequential loss
• Death of animals due to disease within 15 days from the inception of policy.
• Pleuro pnemonia  --- Lakhimpur ----- districts of Assam.
• PTD – To conceive or yield milk or total milk --- for breeding