oneplan pet insurance

Would You Spend R12 A Day On A Pet Insurance Policy?


Brendan Els from Manalytics


The answer to that question is “What do I get for my R368 per month?” In this blog post we have a closer look at our premium OnePlan Pet policy – The Super Pet Plan. If you are looking for a comprehensive pet insurance policy, then this is the plan for you.

First off, it’s important that you understand how our policy is put together.

The policy has two separate benefits, both covering two specific risks you face as a pet owner.

  • Health cover
  • Hospital risk cover

The health cover benefit is designed to cover the risk of an unexpected Vet visit, that could leave you fumbling around for your credit card and scrambling for a few thousand bucks.

Let’s assume for a second that your dog is lethargic and hasn’t eaten anything for a day (normally a sign they aren’t feeling so good). If you dropped down to your local Vet for a check-up, that cost would be covered under the Health cover benefit.

Think of it as your medical savings account that covers day-to-day costs.

You get up to R1,350 per Vet visit, and 4 visits per year. So that is a total of R5,400 we’ve allocated for annual Vet visits.

This includes:

  • Consultations
  • Radiology (X-rays)
  • Pathology (blood tests)
  • Dental procedures

Is R1,350 enough to cover a Vet visit?

Our average day-to-day claim is R1,173 so we believe R1,350 is enough.

Just a note that Vet visits that take place in the space of 14 days for the same issue will be covered as 1 claim.

What are you not covered for?

  • Special diet food
  • Cosmetic procedures
  • If your pet is obese
  • If your pet is having issues with their behaviour
  • Breeding and birth problems
  • Stem cell therapy
  • Fancy treatments such as acupuncture, rehabilitation therapy, physiotherapy and hydrotherapy

Also included under the Health cover benefit is a sub benefit called “Routine Care”. This is in place to cover the costs of general well-being. There is a limit of R770 per year that you can spend on the following:

  • Sterilisation
  • Consultations for and/or vaccinations, deworming and flea control
  • Anal gland expression
  • Teeth scaling and polishing

Now onto the more serious stuff.

Most of us belong to a medical scheme because the risk of landing up in hospital and having to fork out a couple of hundred thousand Rand is too much financial risk for us to take on. Instead we part with a few thousand Rand a month to cover this risk via our medical aid contributions.

It’s much the same when it comes to owning a pet. You might be able to cover the cost of a Vet visit which could put you out by R1,000, but what if your pet lands up in hospital for a lengthy period of time?

Our hospital risk cover benefit includes the following:

  • Accident Cover up to R44,000
  • Illness Cover up to R44,000

What are you covered for under Accident Cover?

  • These are things you can’t predict – like burns or electrocution, car accidents, falls from a height, actions of another animal, poisoning, near drowning or embedded foreign bodies (when your dog decides a rock looks like a tasty meal)
  • Trauma that results in fractured bones, lacerations, abrasions, punctures or wounds, and gastric torsion (twisting of the stomach)
  • Burial / cremation and euthanasia cover is included up to R1,500

What is covered under the Illness Cover?

An illness is an issue (disease or sickness) that started after your cover began. If your pet’s illness comes back in a 6-month period, then it will be covered as part of the initial illness claim.

What are you covered for under Illness Cover?

  • Treatment that needs an overnight stay or surgery
  • Burial/cremation/euthanasia cover included for up to R1,500

And lastly, one more benefit is included under our Hospital risk cover:

We will cover any Kennel fees (up to R150 per day) and limited to R1,500 a year, when you are unable to take care of your pet due to your unexpected hospitalisation that wasn’t your fault. The only thing we will exclude here, is any hospitalisation that was your fault due to:

  • Alcoholism
  • Drug abuse or addiction
  • Attempted suicide or self-inflicted injuries

Ok, so there you have it. For R368 per month (or R12 a day) you can get your cat or dog insured on our Super Pet Plan. For more information, leave your details below and we will get back to you.

Until next time.

The Pet Insurance Team

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