Are you looking for the best pet insurance in South Africa? Have you been searching for the best pet insurance company in South Africa? Do you know that pets cost a lot of money?
In this post, we have compiled a list of the top ten pet insurance companies in South Africa, so make sure to read all the way to the end to find the one that best meets your pet’s needs.
Having a pet can get really expensive when they fall ill and have to see a vet. More than that, vet visits are also costly.
As responsible pet owners, we have to make sure we get the best insurance coverage for our pets. But with so many pet policies out there, how do we decide which one is right for our pets?
It is because of this that we’ve decided to gather some of the best pet insurance companies in South Africa for you.
Pet Insurance Companies in South Africa
Pet insurance policies are becoming more popular in South Africa as people start to realize that their pet’s medical bills can cost thousands of rand.
Pet insurance policies provide financial protection against unexpected veterinary expenses. These policies are usually sold in annual, 6 monthly or 12 monthly instalments to cover a pet’s entire lifetime.
Pet insurance can cover the cost of injury, illness and death that may occur due to unforeseen accidents or illnesses, and the cost of vet fees for non-routine treatments, such as surgery or diagnostic tests.
Pet Medical Challenges in South Africa
One of the main challenges pet owners face is the cost of their pet’s medical expenses. Your dog or cat could get injured in a variety of ways.
From fractured bones to diseases and ill health, you can find yourself paying over R5000 on a high end vet.
That’s why most pet owners prefer to insure their pets against vet expenses. This can cost anywhere between R50 to R1000 per month depending on your cover and the company you choose.
With the right pet insurance provider, your pets can be healthier, happier and more fulfilled even when you are no longer around.
Pet insurance in South Africa has become a lot more accessible to people over the years, but there are still many that don’t consider it.
There is a common misconception that only wealthy people with expensive pets can afford insurance.
However this is not true; there are many different types of pet insurance cover which is why it’s important to understand what each policy offers before making a decision on which one you want.
What is pet insurance?
Pet insurance is a form of insurance that covers veterinary costs for pets and is usually included as part of a pet health care plan.
Pet insurance plans are designed to offer financial protection against veterinary bills for routine medical care, annual vaccinations, illnesses or injuries.
Pet insurance plans can also extend to cover the cost of emergency visits that arise due to unforeseen accidents and illnesses.
Some companies provide insurance for animals that are still in shelters, and one company even offers to pay the adoption fee if pets purchased through them become ill.
How do I get pet insurance?
Pet insurance policies are usually purchased directly through an insurer or through a veterinarian. In some cases, the policy may be offered to you by the breeder or pet store you buy your pet from.
What is covered by pet insurance?
Pet insurance policies vary by provider, but can include coverage for check-ups and vaccinations, medications, emergency care, diagnostic testing and procedures such as blood transfusions.
Some policies also cover routine care like flea treatments, grooming and spay/neuter services. What is covered by your policy will depend on your provider.
What are the benefits of pet insurance?
Pets are expensive to insure and vet bills can quickly add up to thousands of rand per year.
If you didn’t have access to affordable care at this time, you could face thousands of rand in unexpected expenses. Insurance helps protect you from those expenses should they arise for your family.
Things to consider when shopping for pet insurance
Pet insurance is insuring your beloved pet against illnesses and accidents that may come their way. Many factors combine when shopping for pet insurance which can make it tricky to pick the best pet insurance for your animal companion.
Understanding these factors will help you make an informed decision on choosing a pet insurance in South Africa.
- The first factor is getting to know how the companies work and what are covered in the policy.
- The second factor is comparing policies based on their monthly premium, deductibles, and coverage levels.
- The third factor is understanding the terms of contracts and their validity so you do not have any issues with the provider in future regarding any complications with payment or processing claims.
- The fourth factor is finding a company that works with the veterinarian that your animal currently has.
Before we get started, this article is not sponsored by any pet insurance company. It is designed to be a practical guide and help you find the most suitable option for your pet in South Africa.
Top 10 Best Pet Insurance Companies in South Africa
Pet insurance is a relatively new concept in South Africa. Many pet owners are still not aware of the benefits of having pet insurance.
In this article we will give you some information about the best pet insurance companies in South Africa and how to get the most out of your dog or cat’s medical insurance policy.
1. Dotsure Pet Insurance
Dotsure is one of the best pet insurance companies in South Africa. The best pet insurance company for your dog in South Africa is the one that covers the most of your dog’s treatments.
There are a few pet insurance companies that cover most of your dog’s procedures, so finding the right pet insurance company is a matter of understanding what they cover and what you need.
Dotsure Pet Insurance is a comprehensive pet insurance that covers all your pet’s medical expenses and provides peace of mind.
They cover everything from basic preventative care, to advanced procedures like stem cell therapy and cancer treatment. Dotsure has provided insurance for over 50, 000 pets for over 20 years.
Their plans cover pre-existing conditions, so you won’t need to worry about being denied coverage because your pet has allergies or another condition before enrolling in their plan.
This policy covers standard check-ups, vaccinations, and even includes Lifetime Cancer Cover. The company has a great track record of paying claims quickly and has a 24 hour hot line should your pet get into any trouble while traveling abroad or while you’re away from home.
2. PawPaw Pet Insurance
One of the best pet insurance companies in South Africa is PawPaw Pet Insurance, providing the highest level of cover for your pets to protect them against unexpected illness and injury.
All customers should be able to find a product that is suitable for their lifestyle and budget. PawPaw pet insurance offers good value, quality pet insurance for cat and dog owners in South Africa.
It offers three different options of coverage. The first option is accident only, which covers your pet against accidents (including broken bones).
The second option is comprehensive, which also includes illnesses. The third and final option is a combination of the two; it’s an accident and illness policy.
Tailored to suit your needs and budget, Paw Paw will make sure that you’re covered in the event that something unexpected happens to your furry friend.
Their policies are flexible and affordable so that you can focus on what really matters – keeping your dog or cat happy and healthy.
3. Outsurance Pet Insurance
Outsurance Pet Insurance is a specialist pet insurer which offers pet insurance to pet owners in South Africa. You can choose from a variety of pet policies to ensure that your cat, dog, horse or any other pet is adequately insured for the worst.
Quotes are easy and quick to obtain, and the service team is available 24 hours a day, 7 days a week to assist with any emergency. They also offer an affordable monthly payment plan, with no administration fees. Outsurance Pet Insurance cover includes:
Pet Accident Cover – This covers all medical care costs associated with your pet’s accidental injury or illness. It also covers emergency treatment should your pet be hit by a car or bitten by another animal.
This kind of accident can cost thousands of rands in vet bills, but with this policy you won’t have to worry about any out-of-pocket expenses.
Pet Hospital Cover – Pay for all vet fees directly from your credit card or bank account and not have to worry about paying for them later on. You will receive full reimbursement for the cost of all vet services related to your pet’s treatment.
This includes general check-ups, vaccinations, dental cleaning and treatment, neutering and spaying, chronic condition management and more!
4. Oneplan Pet Insurance
Oneplan Pet Insurance is one of the best pet insurance companies in South Africa. Oneplan offers a wide range of pet insurance policies for dogs, cats and horses.
Basic accident cover for dogs for R70 per month. It covers accidents but does not cover hereditary conditions.
Cost of this plan includes R8,000 per year towards vet fees, which includes a maximum of one claim per month. There is also an option to include post-operative care for just an extra R20 per month.
With this cover, if your dog needs surgery after an accident, the excess will be waived and you won’t have to pay anything towards the vet bill until you reach the annual limit of R8,000.
For some plans, Oneplan does not charge any excess at all during the first 6 months of your pet’s policy or until your pet reaches the age of 5 years
Oneplan offers additional cover for hereditary conditions such as hip dysplasia, patellar luxation and heart disease. Oneplan also has extensive post-operative care and prescription cover and will even pay a portion of your vet’s consultation fees.
5. Hollard Pet Medical Aid
Hollard Pet Medical Aid is the medical insurance for cats and dogs that you know and love. And it can come to your rescue if your companion animal needs hospital treatment because of an injury or illness!
Treat your pet like a member of the family, even when it comes to healthcare. Hollard’s pet insurance covers all the routine as well as emergency treatments that your furry friend needs – from veterinary consultations to X-rays and injections.
You’ll get fast and convenient cover, with 24 hour access to our customer service team, who will be there to help you every step of the way.
And keeping your pet healthy has never been easier! Choose from either a monthly or annual payment option, and rest assured knowing that everything is taken care of by Hollard – from checkups to operations.
You’re not just protecting your pet with Hollard Pet Medical Aid. You’re protecting yourself too: you’ll never have to pay more than R5,000 in vet fees in one year (if you do, we’ll cover it!).**
6. Checkers Pet Insurance
Checkers Pet Insurance is one of the best pet insurance companies in south africa. They are renowned for their affordable premiums and high quality of service.
Checkers Pet Insurance offers full cover for your beloved pets. Having a pet can be expensive and if you have to take your pet to the vet, you will find yourself spending a lot of money.
With Checkers Pet Insurance you can be sure that your pet will have access to the care they need without the worry of the high costs associated with veterinary treatments.
Checkers Pet Insurance offers comprehensive cover at affordable rates. They understand that your pets are part of your family and they want to help you give them the very best care possible.
Checkers Pet Insurance works with vets all around South Africa, so no matter where you live, you will have access to great medical care for your pet.
7. MediPet Pet Insurance
MediPet offers monthly payment plans and a variety of plans for dogs and cats. MediPet Pet Insurance provides coverage for accidents, illnesses, injuries, hereditary conditions and elective surgeries.
MediPet pet insurance is affordable, comprehensive, and flexible to suit your needs. Their comprehensive coverage plan provides you with peace of mind knowing your kitty or pup is protected against unexpected accidents and illnesses.
With MediPet, you have access to 24/7 customer service and can submit claims online to get reimbursed quickly and easily.
MediPet pet insurance plans to insure your pet in the event of illness or injury. These include: MediPet Comprehensive, MediPet Accident, MediPet Accident & Illness and MediPet Accident & Illness Plus.
MediPet also provides coverage for Senior Dogs over the age of 7, which is a great option if you have an aging dog who is showing signs of slowing down.
8. Petplan Pet Insurance
Petplan Pet Insurance is a South African pet insurance company that provides the best pet insurance for dogs, cats and other pets in South Africa.
Their products include comprehensive medical plans, accident-only plans, dental plans and third party liability plans for dogs and cats. They have been in business for more than 30 years so they are experienced in their field and their rates are reasonable too!
It covers claims for vet bills and accidental death or injuries. Petplan also offers other pet insurance products such as dog training, dog grooming, pet food and accessories. It offers great discounts for paying on time and automatic payments.
Petplan pet insurance policy will help to pay your veterinary bills if they are due to accidents or illnesses that are covered under your plan.
9. CatSure Pet Insurance
CatSure is a pet insurance scheme that is designed to assist pet owners with veterinary fees in the unfortunate event of an accident or illness.
The CatSure plan covers all veterinary fees, including those of surgeries and medications. There are no extra fees whatsoever, which makes CatSure an affordable option.
The CatSure plan covers all kinds of treatments, including examinations, vaccines and spaying. CatSure also assists with issues such as fleas, ticks, mites and worms.
In addition, if your cat becomes terminally ill and has to be put down, you can claim compensation for the loss of your pet.
All that you need to do is fill out a form at the back of your policy document and send it to them along with a copy of your receipt from the vet’s office where you had your pet put down.
CatSure offers three different types of Pet Insurance: CatSure Standard, CatSure Plus and CatSure Prestige. These policies offer different levels of cover at different price points. Each policy has two options, either monthly or annual payments – whichever suits you best.
10. Santam Pet Insurance
Santam has been insuring the pets of South African dog and cat owners for more than 20 years, helping to ensure that pets are protected against illness and injury.
When you take out pet insurance with Santam, you can be confident your policy is inclusive and comprehensive, offering you peace of mind in the event that your pet falls ill or sustains an injury. It also offers you valuable benefits such as:
Cover for pre-existing conditions: Santam’s pet insurance covers animals against any medical condition they had before taking out the policy – including chronic conditions.
If your animal develops a medical condition prior to taking out a Santam policy, it can still be covered if it first occurred within six months of signing up.
24 hour vet care: If your pet is injured or unwell, you can be covered for vet fees at any time of the day or night.
Pet insurance in South Africa is an essential service for any pet owner.
Pet insurance gives pet owners the freedom and peace of mind to know that in case of an accident or illness that their pet will receive the best treatments along with all their expenses such as blood tests and x-rays to be covered by their policy.
All pet owners are different. What one may consider to be sufficient coverage, others might not.
Always remember that choosing the best pet insurance in South Africa is up to you and your specific situation. However, if you follow our advice, you should be able to find a pet insurer that works for you.
Because every pet owner has to consider the risk of unforeseeable accidents, illnesses, injuries and disease. Pet insurance can provide financial protection against these risks.