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 Premium Yes Yes Yes Yes Yes
Annual Premium (11 X monthly) Yes Yes Yes Yes Yes
Multiple Pet Discounts Yes Yes Yes Yes Yes
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
Excess 10% minimum R200 10% minimum R200 10% minimum R200 10% minimum R200 10% minimum R200
General Waiting Period& 31 Days 31 Days 31 Days N/A  31 Days
Age of Pet 8 weeks to 9 years 8 weeks to 9 years 8 weeks to 9 years 8 weeks to 9 years 8 weeks to 9 years
Micro chip required No No No No No
Breed exclusion No No No No No
Direct payment to Vets3 Yes Yes Yes Yes Yes
Vet of own choice Yes Yes Yes Yes Yes
All accident cover Yes Yes Yes Yes Yes7
Emergency treatment cover Yes Yes Yes1 Yes  Yes
Consultation and pre-hospital cover Yes Yes Yes1 Yes Yes
In-hospital cover Yes Yes Yes Yes No
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 No No No No No
Routine Care Option4 Yes Yes Yes Yes Yes
Savings Plan5 Yes Yes Yes Yes Yes
Double Up Option6 Yes Yes Yes Yes Yes

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 = R65 per month, Benefit = R1,000.
  5. Savings Plan: R50 / R100 / R200 per month options. Can be used for uncovered vet expenses, claims excess or unpaid premium.
  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.

Rate Table

Comprehensive
Medical
Expenses+
Comprehensive
Medical
Expenses
Only
Hospital Only
Accident Only
Essential
Monthly Premium
Number
of Cats
1 R279.00 R257.00 R230.00 R160.00  R85.00
2 R529.00 R488.00 R437.00 R305.00 R162.00
3 R779.00 R719.00 R644.00 R449.00 R235.00
4 R1,015.00 R937.00 R839.00 R586.00 R305.00
5 R1,252.00 R1,156.00 R1,035.00 R722.00 R362.00
Double Up Option
1  R529.00 R488.00 R437.00 R305.00 R162.00
Number
of Dogs
1 R348.00 R299.00 R268.00 R187.00  R85.00
2 R660.00 R569.00 R508.00 R354.00 R162.00
3 R974.00 R839.00 R749.00 R524.00 R235.00
4 R1,269.00 R1,094.00 R976.00 R586.00 R305.00
5 R1,565.00 R1,348.00 R1,204.00 R722.00 R362.00
Double Up Option
1  R529.00 R488.00 R437.00 R305.00 R162.00
Annual Premium
Number
of Cats
1 R3,069.00 R2,827.00 R2,530.00 R1,760.00 R935.00
2 R5,819.00 R5,368.00 R4,807.00 R3,355.00 R1,782.00
3 R8,569.00 R7.909.00 R7,084.00 R4,939.00 R2,585.00
4 R11,165.00 R10,307.00 R9,229.00 R6,446.00 R3,355.00
5 R13,772.00 R12,716.00 R11,385.00 R7,942.00 R3,982.00
Double Up Option
1 R5,819.00 R5,368.00 R4,807.00 R3,355.00 R1,782.00
Number
of Dogs
1 R3,828.00 R3,289.00 R2,948.00 R2,057.00 R935.00
2 R7,260.00 R6,256.00 R5,588.00 R3,894.00 R1,782.00
3 R10,714.00 R9,229.00 R8,239.00 R5,764.00 R2,585.00
4 R13,959.00 R12,034.00 R10,736.00 R6,446.00 R3,355.00
5 R17,215.00 R14,828.00 R13,244.00 R7,942.00 R3,982.00
Double Up Option
1 R7,260.00 R6,259.00 R5,588.00 R3,894.00 R1,782.00

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.

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