Comprehensive Medical Expenses

Pets Frequently Asked Questions

What's covered under the Comprehensive Medical Expenses plan?

The Comprehensive Medical Expenses plan covers medical costs related to both accidents and illnesses. This includes veterinary consultations, diagnostic tests, medications, surgeries, hospitalizations, emergency care, and specialist treatments. Unlike the higher-tier Comprehensive Medical Expenses+ plan, it doesn't include extended benefits* like complementary treatments, boarding fees, or dental coverage.

*Refer to Policy Wording for full details and explanations.

How does the waiting period work?

There is a general waiting period of 31 days from the start of your policy before you can claim for illness-related conditions. This means that any illness that occurs in the first 31 days of coverage won't be eligible for claims. For pre-existing conditions, there is a 12-month waiting period. Claims for accidents are typically covered right away after your policy begins.

What is the difference between this plan and the Comprehensive Medical Expenses+ plan?

The main differences are that the Comprehensive Medical Expenses+ plan has a higher annual benefit limit (R45,000 vs R40,000), higher third-party liability coverage (R200,000 vs R100,000), and includes additional extended covers not available in this plan. The extended covers in the plus plan include alternative/complementary treatments, boarding fees, advertising and rewards for missing pets, dental cover, death benefits, and prescription diet coverage.

Can I add routine care coverage to this plan?

Yes, the Routine Care option can be added to your plan for an additional R78 per month. This provides coverage up to R1,500 per pet per year for preventative care such as vaccinations, deworming, flea control, health checks, and dental check-ups. No excess applies to Routine Care claims, making it a convenient way to budget for your pet's regular health maintenance.

What's the process for making a claim?

Making a claim is simple. After your pet receives treatment, you can submit your claim form along with all relevant invoices and veterinary reports. Claims are typically processed within 5 working days. For a bill of R7,000, you would pay R700 (10% of the claim amount) – subject to claims assessment. All claims need to be submitted within 31 days of the pet receiving treatment.

Is there an age limit for pets on this plan?

Yes, pets must be between 8 weeks and 9 years of age when first enrolled in the plan. However, once your pet is enrolled, they can remain covered for life as long as you maintain your policy, regardless of their age.

How does the third party liability cover work?

The third party liability cover (R100,000) protects you against legal claims if your pet causes injury or property damage to someone else. For example, if your dog bites someone or damages property, this coverage can help with legal costs and compensation. There is an excess of R5,000 per claim for third party liability claims.

Equine Insurance

Pet Insurance

Equine Insurance Claims

Pet Insurance Claims

Plan Overview

The Comprehensive Medical Expenses plan provides complete medical coverage for your pet, covering both accident and illness medical expenses. With an annual benefit limit of R40,000 per pet, this robust plan ensures your furry family member receives quality care for a wide range of medical needs.

Key Benefits*

Coverage Includes

Additional Features

Coverage Details

Our Comprehensive Medical Expenses plan includes the following coverage:

Important Note:

Pricing

Our Comprehensive Medical Expenses plan offers competitive rates with discounts for multiple pets:

Dogs

R386.40 pm*

Cats

R315.65 pm*

Optional Add-ons

Dedicated Brokers

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Pets Frequently Asked Questions

Benefit*	Coverage Details
*Overall Annual Maximum Benefit Limit**	R40,000 per pet per 12-month period of insurance
Excess	10% minimum R500 per claim
Type of Cover	Accident and Illness Medical Expenses
General Waiting Period	31 Days
Age of Pet	8 weeks to 9 years
Microchip Required	No
Third Party Liability	R100,000 (R5,000 excess per claim)
Pre-existing Conditions	12 Month waiting period
Routine Care Option	Available (R85 per month, benefit of R1,500, no excess)
Double Up Option	Available – doubles your premium and annual limits