oneplan pet insurance

5 Situations When You'll Need to Know About Pet Insurance


Jade Poole from I write words

Pet Insurance

It’s easy to think that by avoiding pet insurance you are saving money. But when you see how common expensive accidents are, you may think twice about that decision.

Watching our cats jump from great heights and our dogs chew on anything they find, you would think that our pets were invincible. Unfortunately, it seems that your heart rate and bank account are in for a treat because your pet will forever have an adventurous side.

That being said, the best way to embrace their boisterous nature is with the help of pet insurance. This type of coverage will swoop in and rescue the day…especially whenever you need it.

Medical emergencies: a common occurrence

Whenever anyone asks me why they should get pet insurance I always have two answers prepared. The first one is to go through a long winded explanation of how pet insurance has saved my pets lives time and time again.

The second one is a lot shorter and comes with quite a punch. I simply remind them of this one harrowing statistic: 3 in 4 pets will experience at least one medical emergency in their life.

Statistics have this incredible way of making things real. All of a sudden you’re counting your pets and the probability of them becoming a statistic.

This is important because it’s easy to think that certain things will never happen to your pet…until they do. So, keep in mind that while the below-mentioned scenarios could happen to anyone. The difference with you is whether or not you have the funds to take this challenge on.

4 extremely common situations

Dental decay

How often do you brush your pet’s teeth? Now, the thing is that I probably already know the answer. It is very common for pet parents to glance at their pet’s dental health. However, your pets can easily suffer from infected and inflamed gums. And this has detrimental effects on their health.

At first glance, it may just seem like teeth, but they can actually threaten your pet’s life. Yes, when your pet has poor dental hygiene, bacteria build up and can move into their bloodstream. And straight to their heart.

If your pet is having a dental emergency, it can set you back R1500 … and that is excluding any teeth extractions and prescription medication afterwards.

If you had comprehensive pet insurance all of these bills would be covered under your pet policy!

A broken bone or ligament

Remember how we were discussing the boisterous nature of our pets earlier? Well, their high energy levels and love for adventure often put them in harm’s way. Oftentimes this can lead to either broken or sprained bones and ligaments.

Now if you have ever actually torn a muscle, or even broken it, you know that those costs don’t come cheap. There are a number of steps involved. From the x-ray to medication, consultations and a brace, the costs add up into the high thousands pretty quickly.

Thankfully, if your pet is enrolled in a comprehensive pet policy, these costs will be the responsibility of your insurer – you!


Hearing that your beloved pet has cancer is one of the most harrowing experiences for a pet owner. Not only does this take an emotional toll on you and your family, but a financial one too.

The treatment costs for cancer in dogs and cats will vary depending on the type of cancer and treatment required. Surgery costs to remove a cancerous lump can cost between R5 000 and R7 000, and that does not include medication or any additional treatment fees.

If you have comprehensive pet insurance, you do not have to worry about the financial implications of your pet’s diagnosis. Once you have completed your designated waiting period, a plethora of benefits will be open to your pet to ensure their comfort and care!

Emergency vet visits

If you have ever had to rush to your nearest vet in the middle of the night, you know how taxing this is. Not only are you panicking about your pet, but on a certain level, trying to estimate what the costs will look like.

In those panicked moments, the last thing on your mind should be whether or not you can afford the vet bills. When your pet is in need, money should not be an issue. By taking out comprehensive pet insurance you are guaranteed access to any medical facility of your choosing. Better yet, they will take care of this vet bill for you, so that you don’t have to worry about selling an organ to cover the costs.

I think that it’s clear from these situations that pet insurance is specifically designed to help save both your pet and your finances. While we can’t exactly predict whether or not these scenarios will happen to you, you can prevent further damage by leaning on your pet policy.

At the end of the day, your only worry should be nursing them back to health. Not the bills that come with pet care.

Pet insurance makes that a reality!


Until next time,

The Pet Insurance Team

Popular Posts

The real price of owning a pet 06/19/2018 16:00:00
Pet Insurance Comparison 12/19/2017 11:00:00