Pet insurance covers veterinary treatments and surgeries for accidental injury and illnesses ranging from minor incidents such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.
Most Pet Insurers have an added option of routine care cover which is preventative care such as vaccinations, spaying, flea, tick and worm control, sterilization and teeth cleaning. This is usually an added cost; however, Oneplan Pet Insurance has routine care included in their two comprehensive plans.
Most pet insurers would like you to pay upfront and claim back. Once your vet has treated your pet, simply send in a claim form along with your vet's detailed account and proof of payment. The pet insurance company then calculates the benefit and pays you directly. It is as simple as that. Note: Benefits are paid according to the insurance company Benefit Schedule which is based on the South African Veterinary Council Guideline of Fees.
However, with Oneplan Pet Insurance your Routine care & vet visits are paid upfront using your unique Onecard BEFORE you even see the vet.
Like most insurance policies there are some exclusions to keep your premiums low. Depending on your policy and plan selected these could include pregnancy, elective procedures, foods/diets, grooming, behavioural problems, tick paralysis, hereditary and congenital defects, and pre-existing conditions that showed clinical signs before taking out the insurance.
Yes, you can use any Veterinarian who is licensed to practice in South Africa.
With most insurers there are no age limits for Accidental Injury Cover but usually no pet under the age of 8 weeks or older than 8 years will be insured on a comprehensive plan. However, once a pet is enrolled, cover may be kept for life.
Generally, your membership will start on the first day of the month after your application has been accepted and your first premium has been successfully debited. You may make a claim for conditions based on the waiting periods which are stipulated in your policy wording.
An accidental pet injury are injuries that you can’t foresee. These include a physical or bodily injury that happens accidentally to your pet as a result of external, violent and visible means for example: broken bones, snake bite, dog/cat fight.
An Illness means an unexpected sickness or disease or any change to your pet's normal healthy state, which is not caused by injury to your pet. For example: upset stomach, skin conditions, ear infection.
Yes, they recommend and encourage responsible pet ownership. Most insurers offer Routine care as an add on product that you can add to your policy for a small additional fee. Oneplan Pet Insurance includes Routine Care I their comprehensive plans. Routine care includes spaying your pet, annual vaccination, deworming, etc.
Most insurers consider this compulsory as this provides permanent identification and acts as your pet's Medical Aid Card, allowing you to utilize any vet countrywide. With Oneplan Pet Insurance microchipping your pet is not compulsory, and you can simply snap and upload a cute picture of your pet to your pets’ profile on their Oneplan App.
Not all insurers will provide cover for euthanasia, please check the relevant documentation.
Because most pet insurance products fall under the short-term insurance act, excess is still applicable.
The excess is the amount you have to pay in when it comes time to claim. However, with Oneplan Pet Insurance you only need to pay excess for any in hospital claims for accidents and illnesses.
If you claim for an accident or illness within the first 6 months of your policy, then you will need to pay 25% excess of your claim. From 7 months, you will need to pay in 10% excess of your claim. They also offer an excess buster add -on for a small monthly fee. With the Excess buster you won’t have to pay any excess on claims.