What Makes Our Pet Insurance Pawesome: Cover For Pre-existing Conditions, Paid Before You See Your Vet & Much More
At Oneplan, we have created our insurance to be cuddle-worthy. This means we do everything we can to make your life easier. From incredible routine care benefits and a smart claims system, here’s what makes our insurance pawfect.
Pet puns aside, we take your pet’s health very seriously. And what’s more, is that we have designed our insurance to not only allow your pet to receive the best possible care available but ease your financial stress associated with vet care.
Here’s how we make pet insurance cuddle-worthy…
Smart claims system
When it comes to vet visits and routine care claims, we have changed the game (seriously).
How we did this is by creating a smart claims system that fronts you with the cash you need BEFORE you see your vet. (Oh and by the way, we also let you go to ANY vet of your choice).
When you become a part of our Oneplan Family, we will send you your own unique Onecard. When it comes time to visit your vet, we will preload this card with the funds you need for the vet visit.
Here’s how our claims system works…
- Login to your Oneplan App
- Enter your policy number and password
- Load your claim
- Select the item you want to claim for
- Select the date you want to claim for the consultation
- A confirmation SMS will be sent to you informing you of the money will be loaded onto your Onecard
- Remember to validate your claim by snapping a photo of your invoice and uploading this to the App
Have a look at this article on claims and FAQs.
We have one of the highest annual cover limits
If you do a little digging into what other pet insurers are offering, you might find that our pet healthcare plans offer one of the highest annual benefits.
What this means is that our maximum overall annual limit for your pet claims is one of the highest compared to other pet insurers.
Our annual cover limit is an average of R45 000 (that’s a pretty high number).
For example, the annual cover limit for our Pet Super Plan is R65 000.
Routine care is included in our plans and not as additional cost
We include routine care benefits in your monthly premium. Other insurers will typically charge an additional amount for routine care benefit to be added to your pet insurance plan.
What is routine care and what does it include?
Routine care visits are check-ups and forms of preventive care. These include:
● Consultations for and/or vaccinations, deworming, flea control
● Anal gland expression
● Teeth scaling and polishing
What plans include routine care?
Our Pet Classic Plan includes R690 per year and our Pet Super Plan includes R820 per year.
We cover pre-existing conditions
The majority of pet insurers will not include cover for pre-existing conditions. These are health issues that your pet showed signs of or was diagnosed with BEFORE your cover began.
The cost of treating pre-existing conditions can put a huge strain on your budget. Other insurers totally exclude these conditions, but with us, after abiding by our waiting period of 12 months, your pet is covered.
In the grand scheme of things, 12 months is a small amount of time when it comes to treating serious health issues over a long period of time.
Let’s look at an example
For example, your pet might have cancer which is incredibly expensive to treat and requires chronic medication. If your pet is diagnosed with cancer today and you make the smart decision of getting pet insurance the moment you find out, then you only have to wait 12 months until your pet receives the cover for healthcare he or she needs.
This doesn’t mean you can’t claim for other medical bills and events. Depending on your plan, you can still claim for any check-ups, vaccinations or accidents and emergencies. Accident cover is immediate.
The same waiting period applies to Congenital (disease your pet is born with) and Hereditary (inherited condition from parents) health issues.
The final word
Finding a pet insurance plan that suits your pet’s needs and your budget is something that is a personal decision and one that requires a lot of research and quote comparing. But remember, never base your choice on price alone. Cheaper NEVER means better when it comes to insuring the health of your pet.
Some insurers might offer a great price in terms of monthly premiums, but there are often a number of hidden terms and conditions within your policy that you might not be aware of. This means that in the long run, you end up paying in more than you bargained for.
Make sure you read the fine print and choose an insurer that is best for your wallet and your pet’s health.
Yours in cuddle-worthy pet insurance,