Hospital Only - Arco 360

Frequently Asked Questions

What exactly does the Hospital Only plan cover?

The Hospital Only plan covers in-hospital expenses for both accidents and illnesses. This includes surgeries, anesthesia, overnight stays, diagnostic tests performed while hospitalised, and medications administered during hospitalisation. Additionally, it covers consultation and pre-hospital expenses specifically for conditions that result in hospitalisation.

What's not covered under the Hospital Only plan?

This plan does not cover routine veterinary visits, vaccinations, preventative treatments, or consultations for conditions that don't result in hospitalisation. It also doesn't include third-party liability coverage or the extended benefits* found in our Comprehensive plans (such as alternative treatments, boarding fees, etc.).

*Refer to Policy Wording for full details and explanations.

How does coverage for consultation and pre-hospital expenses work?

While the Hospital Only plan primarily focuses on in-hospital care, it does cover the initial consultation and pre-hospital diagnostic expenses (like blood tests or x-rays) if these lead to your pet being hospitalized for the same condition. If your pet isn't hospitalised following a consultation, those expenses wouldn't be covered under this plan.

When would the Hospital Only plan be a good choice?

The Hospital Only plan is ideal for pet owners who are primarily concerned about covering major medical events that require hospitalisation, which typically represent the most significant veterinary expenses. It's a good middle-ground option if you're comfortable handling routine care costs out-of-pocket but want protection against larger unexpected hospital bills.

How do I determine if a procedure is considered "in-hospital"?

Generally, procedures that require your pet to be admitted to the veterinary facility for monitoring, overnight stays, or extensive care are considered in-hospital. This typically includes surgeries, treatments requiring constant monitoring, and care for serious conditions. If you're unsure whether a specific procedure would be covered, we recommend contacting our customer service team for clarification before treatment.

Equine Insurance

Pet Insurance

Equine Insurance Claims

Pet Insurance Claims

Plan Overview

Key Benefits*

Coverage Includes

Additional Features

Coverage Details

Our Hospital Only plan includes the following coverage:

Important Note:

Pricing

Our Hospital Only plan offers affordable coverage with discounts for multiple pets:

Dogs

R305.20 pm*

Cats

R256.80 pm*

Optional Add-ons

Annual Limits Only

Do You Have Any Questions?

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Frequently Asked Questions

Benefit*	Coverage Details
*Overall Annual Maximum Benefit Limit**	R35,000 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	Not included
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