A Comprehensive Review Of Oneplan Pet Insurance
Animal medical insurance is critical for the health and well-being of your pet, but how do you know if an insurance provider is really right for you?
From analysing their plans and pricing to going over the level of coverage and the claims process, this week’s blog offers an expert outsider’s review of a popular, animal-friendly pet insurance provider, Oneplan Pet Insurance.
Taking a closer look at Oneplan
I'm sure by now you’ve heard that pet insurance is a must-have, right? It can be a massive cost-saver and a little extra peace of mind is always plus. The only issue is that almost every insurer seems to consider themselves to be the best at what they do. So, how do you know which insurer is really ready to take on the responsibility of providing the right financial support when it comes to the healthcare needs of your pet?
What you really need is a comprehensive review of an affordable pet insurance provider so that you can evaluate whether they will truly be able to put the needs of you and your furry best friend first.
Breaking down Oneplan’s pet insurance plans
There is no “one size fits all” scenario when it comes to animal pet insurance. That's why it’s especially important to find an insurer who can accommodate your unique pet insurance needs.
My advice is usually to consider an insurer like Oneplan who will give you a wide range of benefits at the best price. The great thing about Oneplan is that they've formed a variety of different pet insurance plans to accommodate every pet owner's individual insurance needs, as well as their budget.
The first thing that I noticed about Oneplan’s animal health insurance services is that they offer both basic accident-only and illness-only cover for pet parents who are looking for more affordable options, as well as plans with more comprehensive cover which offer insurance for a variety of both unexpected and expected events. This is a great way to ensure that cost-conscious pet owners can always find the perfectly-priced insurance package for their budget.
- The Pet Accident Plan for only R60 per month for both cats and dogs
- The Pet Hospital Plan for only R140 per month for cats and R155 per month for dogs
- The Pet Classic Plan for only R278 per month for cats and R299 per month for dogs
- The Pet Super Plan for only R410 per month for cats and R430 per month for dogs
*Please note that all prices are reflective of the date that this article was written. For up to date pricing, please follow this link
So, let’s break down exactly what Oneplan offers and take a critical look at the various benefits available with each plan, starting from the top.
Oneplan’s level of coverage
Just like health insurance for humans, animal pet insurance offers a wide range of coverage which can vary in terms of the type and level of cover.
Oneplan offers multiple tiers of coverage, and it’s all pretty simple if you avoid the mistake of getting too tangled up in the technical stuff.
Essentially, with their Pet Accident Plan and Pet Hospital Plan, you can choose to get more affordable cover that will lend a helping hand when it comes to the financial costs associated with unexpected accidents/illness only. This means that you can choose to exclude any additional costs such as kennelling fees, vet visits and routine care that may be a bit too pricey for your budget right now.
This is the perfect option for pet owners looking for a more budget-friendly insurance plan while still having the peace of mind of mowing that all their pet’s emergency healthcare needs will be well taken care of.
What’s great about Oneplan is that it’s completely up to you to choose what you can afford and which services you want to be included in your plan. And if you feel you need more routine care cover or any additional benefits with your basic Pet Hospital Plan - such as an Excess Buster or the Routine Care Plus add-on - you can simply choose to pay the additional monthly fee.
To read more about exactly what Oneplan covers in each plan, take a look at this blog.
When it comes to providing insurance that offers more comprehensive cover, Oneplan really gives you your money's worth. From serious illnesses (such as kidney issues, diabetes or heart disease) to vet visits and routine care, each plan includes various services that will help you give your pet the optimal care.
Oneplan’s Pet Classic Plans and Pet Super Plan offer one of the most comprehensive insurance packages that I’ve seen from any insurer, and they include:
- Accident and illness cover (including veterinary consultations)
- Hospitalisation cover (including emergency treatment, surgical costs and general tests such as x-rays, bloodwork and radiographs) These are is diagnostic tests and falls under the day to day cover i.e. vet visit
- Cover for day-to-day vet bills and routine care cover
- Emergency boarding and kennelling fees
- Dental care and cleaning
So, as you can see, Oneplan’s Pet Super and Pet Classic plans really cover it all.
All that's left to do now is to conduct a cost/benefit analysis and weigh up the services you’ll get from each type of plan compared to the price that they’re asking for each.
At the end of the day, the most important thing to remember is to consider your options carefully and find the right cover that will make the most of your money and provide a service that is perfect for you and your pet.
The basic inclusions and exclusions
When comparing Oneplan with most other pet insurers, Oneplan includes a variety of healthcare services that many other animal health insurance providers tend to overlook.
More often than not, pet insurance providers tend to reject claims for issues such as pre-existing conditions, hereditary illnesses and, sometimes, even claims as basic as chronic medication costs. While most insurers have a long list of exclusions, Oneplan chooses to offer a high level of coverage for:
- Pre-existing conditions
- Congenital and hereditary conditions
- Senior pets
- Chronic medication costs
- Dental care and cleaning
- Wellness care cover
- Emergency boarding and kenneling
- Annual physical exams
What we also really like about Oneplan is that you are never charged a higher premium based on the age or the type of breed of your pet. Plus, they are one of the few insurers who include cover for pre-existing conditions after a 12 month waiting period, and an added benefit is that you can still claim for unrelated events during this waiting period (such as vaccinations, sterilization, accidents and more).
How it works
The claims process
A real standout for Oneplan Pet Insurance is their smartphone app. Their newly digitalization claims process adds a whole new level of convenience when it comes to reimbursement for all animal health insurance expenses.
Oneplan’s mobile app shows just how expertly the company is able to continuously keep up with advancing technologies - ensuring that all clients can easily access their policies online and enabling them to load claims, check statements and update information wherever they are.
I’ve personally had a great experience using the Oneplan app. Their claims process is a lot more streamlined and simple than the usual hassle of trying to sort through piles of paper-documented claims.
One thing to keep in mind about the Oneplan Card is that extra fees and charges do apply, such as a small admin fee of R160, once-off per card.
Getting started with Oneplan
If you're looking for an easy-to-understand insurance plan that includes all the features you need, Oneplan is a great match for you.
Signing up online is easy when it comes to Oneplan. Simply get a quote from Oneplan directly today, or contact one of their friendly pet insurance team members to receive expert guidance when it comes to deciding exactly which plan is right for you.
Until next time,
The Pet Insurance Team