What does pet insurance actually cover?


Jade Poole from I Write Words


If you are interested in getting pet insurance for your precious pooch, then your first question (after cost, of course), will be based on the actual cover benefits of pet insurance. What is included? What is not? What can I claim for? We answer all of these questions and more…

First things first, let’s define exactly what pet insurance is…

Pet insurance is an affordable way to save on vet bills and medical costs when your pet gets sick or is injured. It is a type of policy bought by a pet owner and it acts as a safety net to help protect you against unexpected costs related to your pet.

How does pet insurance work?

Pet insurance reimburses you for certain medical expenses and vet bills. This protects you against the risk of paying high medical care fees, or worse, having to put your precious pet down because you are unable to afford treatment.

Every month, you will pay a certain amount to have the health of your pet covered.

Depending on the plan you choose (each pet insurer has a range of different plans), this will specify the amount of cover you will get for certain events.

For certain conditions such as pre-existing illnesses - these are health issues diagnosed before your policy begins - your pet insurance may apply a waiting period.

This is a certain amount of time that has to pass before your cover can begin.

Your Onecard

With Oneplan Pet Insurance, that’s us, we front you with the cash you need for a vet visit before you see the vet using our awesome Onecard.

Each policyholder on our Pet Classic and Super Plans will get a Onecard as soon as their cover begins.

You use this Onecard the say way you use a debit card.

Simply login to the Oneplan app, load your claim amount and we will transfer the funds to your card within seconds.

You then use this card to swipe at your vet’s office.

So, what does pet insurance actually cover?

Right then, let’s get to the point…

With Oneplan Pet Insurance you are covered for:

Accident cover

Accidents are the things you didn’t see coming such as your dog being hit by a car or falling from a height.

Depending on what plan you choose, we will help to pay the cost to treat injuries from car accidents, snake bites, burns etc. to a maximum amount of R50 000 on our top plan and starting from R8000 on our most basic plan.

Accident cover is immediately available to you when you cover starts.

Illness cover

An illness is an issue (disease or sickness) that started after your cover began. If your pet’s illness comes back in a 6 month period, then it will be covered as part of the initial illness claim and of course, is under your cover limit (the amount we pay for).

Depending on what plan you choose, we cover up to a maximum amount of R47 000 on our top plan and our Pet Hospital Plan covers up to R30 000.

Routine care

This includes sterilisation, vaccinations, deworming, flea control, teeth scaling and polishing.

Routine care is included in our Pet Classic and Pet Super Plans.

Vet visits

This includes consultations, x-rays, blood tests and minor dental procedures.

Vet visits are included in our Pet Classic and Pet Super Plans.

Extra benefits at no extra cost

If something has to happen to you and you are in hospital and can not look after your pet, we pay up to R150 per day for kennel fees.

We also include burial/cremation/euthanasia cover included for up to R1500.

Does pet insurance cover unexpected pet pregnancy?

This is also a question we get asked quite often, our cover does NOT include cover for pet pregnancy or related conditions to pregnancy.

We do cover spaying and neutering, which is recommended.

If you have any other questions about pet insurance, how we work, what we cover, what we don’t and whether it is worth your while or not, then do not hesitate to give us a call and we will happily talk you through any concerns you might have.

We want to make sure our pet insurance maintains its cuddle-worthy status, which is why we are always willing to take your call, have a chat and get to know our awesome Oneplan clients, and potential clients.

Oh, and did we mention we also let you go to any pet of your choice?

Yours in paws,


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