Pet insurance & kennel cover: Essential coverage when you need it most


Jade Poole from I Write Words

Pet insurance & kennel cover

What happens when you cannot look after your pet due to health reasons out of your control? Can you afford unexpected kennel fees? This is why we created our pet insurance cover to include kennel fees in situations such as these.

Life can be unpredictable - we never know when the unexpected (and expensive) might strike!

This is why having forms of protection, like insurance, is a great way to protect you from the financial implications of unexpected emergencies and events.

From car accidents (car insurance), burglaries (home insurance), and pet health issues (pet insurance) to even our own health problems with health insurance, insurance is a responsible way to protect our bank accounts from unpredictable costs and in some cases like those of pet and health insurance, ensure our health is in capable hands when something goes wrong.

The financial protection of pet insurance

You are probably well aware of the benefits of pet insurance. Pet insurance is a safety net that helps protect you and your wallet from the unexpected costs of pet healthcare. More comprehensive pet insurance plans will not only protect you from unexpected costs such as those of accidents and emergencies, but they also include benefits for vet visits and routine care.

If you want to dig a little deeper into the costs of pet insurance vs. the costs of vet vills, have a look at this article we wrote on the topic.

The bottom line is that not only will pet insurance save you money (we are talking tens of thousands of rands when it comes to situations such as pet emergencies and surgery), but it will also encourage regular vet visits and preventative care. Meaning the health of your pet will significantly improve with pet insurance as routine care cover will allow your vet to diagnose and treat any underlying health concerns before they develop into something more serious (and more expensive) to treat.

Pet insurance with kennel cover

At Oneplan, we get that life is complicated which is why our insurance isn’t. We created our pet healthcare plans to accommodate for a number of benefits, and one of these is kennel cover.

How does kennel cover with Oneplan work?

Good question!

The first thing we need to clear up is that kennel cover does NOT include kennel fees for when you go on holiday. Our kennel cover is only if you are unable to look after your precious pet due to an unexpected hospitalisation that you are not responsible for.

What do we mean by this?

Basically, you cannot claim for kennel cover UNLESS you are in hospital due to an unexpected accident or illness you had no control over.

This means that we will not cover the kennel fees if you are in hospital due to alcoholism, drug abuse or addiction, attempted suicide or self-inflicted injuries.

Your pet will need to be booked into a registered cattery or kennel and you will need to provide us with the following:

  1. Invoices from the kennels
  2. Your hospital account to confirm that it’s not an excluded condition (such  as drug abuse etc.)
  3. Confirmation of length of stay

How much is covered of the kennel fees?

This will depend on your chosen plan. Here is a breakdown of the coverage amounts according to each plan.

Pet Hospital Plan

Up to R150 per day and up to R1 500 per event. Annual limit: R1 500 per insured pet.

Pet Classic Plan

Up to R150 per day and up to R1 500 per event. Annual limit: R1 500 per insured pet.

Pet Super Plan

Up to R175 per day and up to R1 750 per event. Annual limit: R1 750 per insured pet.

What is the waiting period for kennel cover?

You will need to wait a period of 3 months from the inception date of your policy (the day you and your pet become a part of our pawesome Oneplan family) until you can claim.

What if a friend or relative is looking after my pet?

If your pet is being looked after by someone not living with you while you are incapacitated, we will pay an amount of R50.00 per day for a maximum of 14 days.

Got any more questions?

If there is anything else you would like to know then you can get in touch with one of our friendly team members using the in-app chat function on our smart Oneplan app.

Our app also gives you instant access to your policy information from the palm of your hand.

The final woof

So, if anything happens to you and you are unable to look after your precious furbabies due to hospitalisation, you know that with Oneplan Pet Insurance your pets are covered for kennel cover.

Heads up - make sure you are covered for medical expenses with health insurance that pays you before you see the doctor and let you go to any doctor of your choice with our comprehensive healthcare plans.

Yours in cuddle-worthy pet insurance,


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