At Oneplan, we get that life is complicated, which is why we make sure our insurance isn’t. Instead of restricting your choices by giving you a vet network to choose from, we let you go to any vet of your choice.
Before we get into the exciting bit, let’s first touch base on what pet insurance is and why you need it.
What is pet insurance?
This is one of our favourite questions!
Pet insurance is a form of pet medical aid. Just like how humans have medical aid or health insurance to help afford private healthcare and doctor’s bills, pet health cover works in the same way.
For a small monthly premium, your pet is covered for vet medical bills. Of course, the amount of cover you have and your benefits will depend on the plan you choose. The more comprehensive your plan is, the more cover you get.
Still not convinced about pet insurance? Have a look at this guide on how pet insurance can save you money.
What makes Oneplan Smart Pet Insurance?
We have no vet network so you can visit any vet you choose
One of the worst things about getting a new pet insurance policy is finding out your vet is not covered on your insurer’s vet network. In all honesty, who has the time to find a new vet?
Then in the case of an emergency, you have to make sure you take your pet to a specified vet, and if not, your insurer won’t cover you. And let’s be honest, in emergency situations, all we care about is the health of our pet, not whether the vet is part of our insurer’s network.
Because of this, we don’t limit your choices to just a few vets. We let you go to any vet of your choice. This means that, if you already have a vet you know and are happy with, then you get to stick with them.
We also pay you before you see the vet
Oh, and did we mention we pay you before you see your vet? How we do this is using our unique Oneplan Claim Card. Please note that this only applies to our pet plans that include vet visits and routine care. For clients on a Pet Hospital Plan or Accident Plan, you won’t need a Oneplan Claim Card as these plans include cover for emergencies and accidents only and not routine care.
Related: The Expert Guide to Oneplan’s Pawsome Pet Insurance Plans
However, if you choose our Primary, Classic, or Super Plans, then you will receive a Oneplan Claim Card. Before you visit the vet, all you have to do is login to the Oneplan App, load your claim, and the funds (up to your cover limit) will be transferred to your card in as little as a minute. You can then swipe your card at your vet’s office, the same way you would use a debit card.
Other pawsome reasons to join Oneplan
- Pay ZERO excess with Oneplan’s Excess Buster.
- Get up to 25%* discount in the Onepet Store for the lifetime on your policy to save on your pet’s monthly essentials.
- Keep track of your pet’s health with Oneplan’s Pet Wellness Tracker.
- New policies for small cats and dogs up to their 11th birthday, even with pre-existing conditions*.
- Get up to R5000 deposit or NO deposit with our partnered vets network.
- Discounts for multiple pets on a single plan.
*Discounts tiered & plan dependent. Excludes Accident Plan. 12-month waiting period for all pre-existing conditions.
When should I insure the health of my pet?
Bear in mind that there are age limits to any pet insurance policy. At Oneplan, Pets must be older than 8 weeks and younger than 11 years (10 years for medium dog breeds and 9 years for large dog breeds). The sooner you insure your precious pet, the better. But, if your dog or cat is getting older, then it’s a good idea to insure their health asap.
Read this: Oneplan’s Accident Plan: Accident Only Pet Insurance with No Age Limit
As pets get older, their risk of chronic diseases will increase. Cancer and diabetes are some of the common issues seen in older pets. Both of which require a treatment plan and in some cases, surgery. This can amount to very high vet bills. Pet insurance can help cover the costs of these issues.
Waiting periods and pre-existing conditions
If your pet starts to show any symptoms of a disease before your cover begins, then this will be classified as a pre-existing condition. This means you have to wait 12 months before you can claim for any vet bills relating to this condition. However, once this period of time is over, your pet’s health is covered.
A waiting period is a certain amount of time that has to pass before you can claim.
Interested in cuddle-worthy pet cover? Get an instant, obligation-free online quote here.
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