Specialised Insurance Cover for

Your Cherished Horses, Dogs and Cats

Need a Simple Way to Get Pricing for Pet Insurance?

Try Our NEW Pet Insurance Enquiry Questionnaire!



Pet Insurance Introduction

Our Pet Insurance product has been developed to provide cover for accident, illness and injury risks that pets may potentially encounter.



Pet Insurance

Accident & Emergency Cover



  • Cover for life
  • No sub-limits
  • Lowest excesses
  • No breed exclusion
  • No microchip required
  • Direct payment to vets***
  • Vet of your choice
  • Prompt claims
    reimbursement
  • Widest range of cover options
  • Direct on-line application
  • Multiple pet discounts
  • Annual premium discount
  • By professionals for pet lovers



pet-insurance-option-1

Benefits Schedule

Plan
Comprehensive
Medical
Expenses+
Comprehensive
Medical
Expenses
Only
Hospital Only
Accident Only
Essential
Type of Cover:
Accident and
Illness
Medical
Expenses
PLUS
Extended Covers1
Accident and
Illness
Medical
Expenses

Accident and
Illness
In-hospital

Medical Expenses
Only2

Accident Only
Medical Expenses
 Consultation Only
– Covers all costs
not related to
in-hospital treatment
Monthly PremiumYesYesYesYesYes
Annual Premium
(11 X monthly)
YesYesYesYesYes
Multiple Pet DiscountsYesYesYesYesYes
Overall Annual
Maximum Benefit
Limit
R45,000 per pet
per 12-month period
of insurance
R40,000 per pet
per 12-month period
of insurance
R35,000 per pet
per 12-month period
of insurance
R25,000 per pet
per 12-month period
of insurance
R15,000 per pet
per 12-month period
of insurance
Excess10% minimum R50010% minimum R50010% minimum R50010% minimum R50010% minimum R500
General Waiting Period31 Days31 Days31 DaysN/A 31 Days
Age of Pet8 weeks to 9 years8 weeks to 9 years8 weeks to 9 years8 weeks to 9 years8 weeks to 9 years
Micro chip requiredNoNoNoNoNo
Breed exclusionNoNoNoNoNo
Direct payment to Vets3YesYesYesYesYes
Vet of own choiceYesYesYesYesYes
All accident coverYesYesYesYesYes7
Emergency treatment
cover
YesYesYes1Yes Yes
Consultation and
pre-hospital cover
YesYesYes1YesYes
In-hospital coverYesYesYesYesNo
Prompt claims
settlement
Yes (maximum 5
working days)
Yes (maximum 5
working days)
Yes (maximum 5
working days)
Yes (maximum 5
working days)
Yes (maximum 5
working days)
Pre-existing
conditions covered
12 Month
waiting period
12 Month
waiting period
12 Month
waiting period
12 Month
waiting period
12 Month waiting period
Routine Care Option4YesYesYesYesYes
Third Party Liability5R200,000R100,000NoNoNo
Double Up Option6YesYesYesYesYes

Terms & Conditions Summary

  1. Extended Covers: Alternative/complementary treatment, boarding fees, advertising and rewards, missing or stolen pet, dental cover, death benefit/condolence benefit, prescription diet.
  2. Covers in-hospital expenses only plus consultation and pre-hospital expenses for conditions resulting in hospitalisation.
  3. By arrangement on pre-authorised procedures.
  4. Routine Care Benefit: Premium = R78 per month, Benefit = R1,500. No excess applicable on routine care.
  5. An Excess of R5,000 per claim is applicable on all third party claims.
  6. Double Up Option: Double your premium and thereby double your annual limits. Should you take this double up option you will qualify for the discount applicable to 2 (two) pets.
  7. Cover only applicable if not admitted to hospital.
  8. Working dogs cover now available for service dogs and therapy dogs only.

Rate Table

  
Comprehensive
Medical
Expenses+
Comprehensive
Medical
Expenses
Only
Hospital Only
Accident Only
Essential
  Monthly Premium
Number
of Cats
1R320.00R295.00R240.00R168.00 R90.00
2R606.74R560.16R456.00R320.26R171.54.00
3R893.49R825.33R672.03R471.48R248.82
4R1,164.16R1,075.56R875.48R615.32R322.96
5R1,436.00R1,326.85R1,080.00R758.10R383.30
 Double Up Option: Double the premium per pet
Routine Care Option: R78 per pet, per month
   
Number
of Dogs
1R400.00R345.00R280.00R197.00 R90.00
2R758.64R656.54R530.76R372.94R171.54
3R1,119.57R968.10R782.55R552.06R248.82
4R1,458.64R1,262.32R1,019.72R617.36R322.96
5R1,798.90R1,555.40R1,257.95R760.65R383.30
 Double Up Option: Double the premium per pet
Routine Care Option: R78 per pet, per month
  ANNUAL Premium
Number
of Cats
1R3,840.00R3,540.00R2,880.00R2,016.00R1,080.00
2R7,280.88R6,721.92R5,472.00R3,843.12R2,058.48
3R10,721.88R9.903.96R8,064.36R5,657.76R2,985.84
4R13,969.92R12,906.72R10,505.76R7,383.84R3,875.52
5R17,232.00R15,923.40R12,960.00R9,097.20R4,599.60
  Double Up Option: Double the premium per pet
Routine Care Option: R78 per pet, per month
   
Number
of Dogs
1R4,800.00R4,140.00R3,360.00R2,364.00R1,080.00
2R9,103.68R7,878.48R6,369.12R4,475.28R2,058.48
3R13,434.84R11,617.20R9,390.60R6,624.72R2,985.84
4R17,503.68R15,147.84R12,236.64R7,408.32R3,875.52
5R21,586.80R18,664.80R15,095.40R9,127.80R4,599.60
 Double Up Option: Double the premium per pet
Routine Care Option: R78 per pet, per month

Important Notice: This is a summary of the standard terms, conditions, exceptions, exclusions, and limitations of the policy. Please read the policy wording to ensure that the plan you want complies with your requirements. As each application is individually underwritten, other terms, conditions, exceptions, exclusions, and limitations may apply. These will be submitted to you for acceptance before the policy is issued.

Open chat
1
Hi there,

How can we assist you?