oneplan pet insurance

The Best Pet Insurance For Cats


Jade Poole from I Write Words

The Best Pet Insurance

Looking for a pet insurance plan that costs less for cats and includes day to day benefits? Well, here’s your answer...

Is it worth it to insure the health of your cat?

This is a common question asked by cat owners around the world. When it comes to pet insurance, many cat owners feel that their felines friends have fewer risks of getting into accidents than their canine counterparts.

Cats are not as clumsy as dogs, they tend to always land on their feet, they sleep most of the day and they don’t really get themselves into trouble all too often. So, why does it make financial sense to insure the health of your cat?

Well, you can take a look at this blog on the topic or you can read these fast facts on the matter:

  1. Cats can still develop chronic and expensive to treat medical issues
    • Kidney failure is common in older cats
    • Cancer is a common health risk among cats
  2. Cats still have a risk of getting into accidents (getting hit by a car or getting into a fight with another cat or animal)
  3. Cats are naturally curious and can get themselves in trouble
  4. Cats do not always land on their feet

Pet insurance is something that can give you financial protection against unexpected vet bills and in the case of pet plans that include vet visits and routine care costs, then having plans such as these will encourage preventive healthcare and regular vet visits.

The bottom line is that pet insurance saves you money and makes it easier to care for your pet.

The best pet insurance versus the cheapest

It’s common for pet owners to want to choose the cheapest plan available when it comes to pet insurance. But if your reason for doing this is to try and save money, then you are going to get a nasty wake up call when you realise that choosing the cheapest option means your insurer pays you less when it comes time to claim.

As any pet owner knows, veterinary care is expensive. And whilst pet insurance was created to help pet owners afford costly vet bills, in many cases, the cheapest plan is rarely the best plan.

In fact, you can dig a little deeper into the topic by clicking here.

In any case, the one important thing that potential pet insurance policyholders need to keep in mind is that cheap is never better. The cheaper the plan the more you have to pay in when you claim. It’s as simple as that.

The best pet insurance for cats

When you realise that cat health insurance is an investment and financial protection in the case of a pet healthcare emergency, then it becomes less of a question as to whether or not you should consider purchasing a policy and more of a question as to what pet insurer and plan is best for your feline friend.

Besides the common benefits of illness and accident coverage, a number of pet insurance providers also offer wellness plans and day to day benefits such as vet visits and routine healthcare. Which means that you and your cat can focus on your pet’s wellbeing and not your bank account.

With the growing number of pet insurers out there, it can become a little daunting to try and find one that is best suited to your budget and your cat’s health.

Which is why I decided to do the investigating, research and hours of time spent online to find an insurer that offers you the best of emergency pet care and day to day cover.

So, without further ado, the best cat insurance company is….

Oneplan Pet Insurance

Now, if you are a regular reader of this blog, then you will know that Oneplan is my go-to insurer for a number of reasons.

Here are some of the points that stand out for me:

  1. Fronted with cash before you see your vet of choice
  2. Range of day to day benefits included in their top two plans
  3. Their pet accident plan does not have an age limit
  4. Highest annual benefit when compared to other insurers, which means they pay you more when it comes time to claim
  5. Go to ANY vet of your choice
  6. Cover for pre-existing conditions

Just when I didn’t think it could get any better, Oneplan recently changed their routine care benefit to be more inclusive of routine healthcare costs.

Excess Buster Benefit

Oneplan has a unique product known as an Excess Buster. Having this product will help cover the excess charged by them for a claim - meaning you could save thousands in pet medical bills.

Routine care PLUS (includes the Excess Buster)

For an extra cost a month, Oneplan will issue an additional routine care benefit amount after a 6 month waiting period (which is 6 months of successful premiums paid to them).

This additional amount (equal to your routine care benefit outlined in your plan) will only become available after 6 premiums have been paid.

This means that this benefit works on its own inception date. For example, if you take out the benefit in March, you will pay your monthly premiums every month and will get your new benefit every September.

This cost also includes the Excess Buster benefit.

Cheaper pet insurance for cats compared to dogs

Oneplan understands that cats are less of an insurance risk, which is why they charge you less to insure the health of your cat compared to a dog.

How much does cat insurance cost?

Pet Accident Plan - R60 per month (no age limit for this plan)

Pet Hospital Plan - R140 per month

Pet Classic Plan - R278 per month (includes cover for vet visits and routine care)

Pet Super Plan - R410 per month (includes cover for vet visits and routine care)

Where to from here?

If you want to know more about Oneplan Pet Insurance, check out their range of plans here.

Until next time,

The Pet Insurance Team

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