Does pet insurance cover my senior dog's chronic medication?


Jade Poole from I Write Words


Pet insurance and older dogs: from vet bills to surgery, we bring you the basics

Let’s get down to the terms and conditions of pet insurance...

Age limits

You need to keep in mind that with every pet insurer, there will be an age limit for your dog.

With Oneplan, your dog must be older than 8 weeks and younger than 9 years old.

So, if you are thinking about getting pet insurance for your older dog and he or she is younger than 9 years of age, then we recommend you go for it! The sooner the better.

Remember, the older your dog gets, the more he or she is likely to visit the vet. Just as humans tend to suffer from more ailments and weaker immune systems the older we get, the same thinking applies to dogs.

Medication and pet insurance

Whether or not your pet insurance will cover the medication for your older dog will depend on a number of different things. We discuss these below...

The plan you choose

We offer you 4 different plans to choose from. Each one has its own benefits and cover limits (the maximum amount we will pay in the event of a claim).

Let’s look at these plans briefly:

Pet Accident Cover

R55 a month

●        Accident cover only.

●        This means that this plan will not cover vet visits and routine care.

Accidents are the stuff you didn’t see coming - when your pet is involved in an accident, for example - gets hit by a car and requires you to immediately rush him or her to the vet.


Pet Hospital Plan

R142 a month.

●        Cover for accidents and illness.

●        No cover for vet visits and routine care.

Pet Classic Plan

R278 a month.

Cover for:

●        Vet visits

●        Routine care

●        Accidents

●        Illness

This means that prescription medication will be covered on this plan.

Pet Super Plan

R390 a month

More cover for:

●        Vet visits

●        Routine care

●        Accidents

●        Illness

This means that prescription medication will be covered on this plan.

Waiting periods

The second thing you need to take into consideration is waiting periods.

A waiting period is a period of time that has to pass before you can claim. During this time you cannot claim. A waiting period starts as soon as you take out your policy and is the number of days that have to pass before you can claim.

Oneplan’s waiting periods:

●        Vet visits: 30 days (14-day waiting period in between vet visits)

●        Routine Care: 30 days

●        Kennel Cover: 3 months

●        Accident Cover: None

●        Illness Cover: 3 months

The below conditions are NOT covered for the first 12 months of your policy

This means that if your senior dog suffers from any of these issues, you have to wait 12 months for any claims relating to them (medication and treatment) to be covered:

  1. Congenital - this is something disease your pet is born with
  2. Hereditary - these are inherited conditions from your pet’s parents
  3. Pre-existing conditions - these are conditions that started before your cover began
  4. Addison’s disease, Diabetes, Arthritis, Heart/Kidney disease
  5. Liver/Pancreas disease, Skin conditions, Tumours/masses (growths)
  6. Back/spinal/vertebral/disc conditions

The bottom line

This is what it comes down to…

Your chosen plan

If you are on an accident-only plan, then your pet’s chronic medication will not be covered.

But, if you have chosen a plan such as our Pet Super Plan then medication will be covered according to your limits.

Oneplan and pet medication

Medication means any prescribed medication for a medical condition diagnosed during the consultation but excludes over the counter medication. Chronic medication for pre-existing conditions will be subject to a 12 month waiting period. Any chronic condition that is diagnosed after a three (3) month waiting period will be included in the definition of medication.

What this means is that we cover chronic medication for conditions if the issue was diagnosed 3 months after your cover began. If your dog is already on chronic medication, then waiting periods will apply.

Waiting periods and pre-existing conditions

So, if your pet has been diagnosed with cancer for example, and then you decide to take out pet insurance, you will have to wait 12 months before any claims relating to this issue are covered.

The same thinking applies if your dog has one of the above-mentioned conditions.

We pay you BEFORE you see the vet

Thanks to our pawesome Onecard, you preload funds onto this for you to swipe at the vet’s office. All you have to do is login to the Smart Oneplan App, load your claim and the funds are transferred onto your Onecard in seconds.

If you ever have any questions about your pet insurance, chat to us through the app or call us on 010 001 0141.

Yours in paws,


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