Pet Insurance Pawlicy Talk: What's the difference between vet visits & routine care?


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Pet Insurance Pawlicy Talk

We dig into the basics of our pet insurance coverage and explain the legal lingo to make your life, just a little more pawsome.

In case you didn’t already know, at Oneplan we have a range of different pet health insurance plans for you to choose from. Meaning we give you more options to find a plan that is best suited to your budget, and most importantly, your pet’s health.

In some of our more comprehensive pet insurance plans, we also include some pretty fantastic day-to-day benefits such as cover for vet visits and routine care. But, what many of our clients tend to ask, is what the difference is between these two benefits.

In this blog, we break down the legal lingo and simplify the terms for you to walk away with your tail wagging - oh yeah, we’re pretty obsessed with pet puns. So get ready for some purrfect puns coming your way!

Oneplan Pet Health Cover

If you have routine care or vet visits included in your plan, both of these benefits are classified as health cover, as opposed to hospital cover which includes cover for hospital admissions.

What is the waiting period for health cover?

There is a waiting period of 30 days for pet health cover.

What is routine care? Bruno stays healthy

Think of routine care as a way of keeping your pet healthy. Another name for it is preventive or wellness care.

So basically routine care is classified as a vet visit that is aimed at keeping your furry friend healthy. Routine care is an important part of pet healthcare as it allows for your vet to regularly keep an eye on your precious pet and detect and treat any health concerns before they develop into something more serious and more expensive to treat.

According to our policy wording document, routine care is defined as:

Preventative care for your cats and dogs and includes, voluntary sterilisation, vaccinations, deworming, flea control, and anal gland expression, dental scaling and polishing and nail clipping.

What does routine care NOT cover?

Costs for pet accessories such as food, beds, toys, leashes, grooming etc. This means we don’t cover the glitz and glam.

What is a vet visit? Bruno get a booboo

A vet visit is when something goes wrong with your pet. According to our policy wording document, we define a vet visit as:

Consultations, medication, pathology, radiology and dentistry performed by a person who is registered with the SA Veterinarian Council and who is able to provide veterinary treatment that is medically justifiable for an “Event” as defined in this policy in a veterinary facility/hospital. All treatment and procedures must meet the protocols as laid down by the South African Veterinary Association.

Vet visits also include cover for scripted medication:

“Medication” means any prescribed medication for a medical condition diagnosed during the consultation but excludes over the counter medication - basically, we only cover meds that your vet gives you a prescription for.

“Chronic medication” (chronic means long-term) for a pre-existing condition will be subject to a twelve (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 do vet visits NOT cover?

  1. Prescription food
  2. Tail docking, dewclaw removal, skinfold resection or ear cropping, dental scaling
  3. SPCA services

How to claim for pet health cover

Thanks to our unique Onecard, which you receive when you become a part of our Oneplan Pet Family, this allows you to preload a claim before you see your vet. Meaning we put money in your pocket before the vet visit! With this card, the funds are readily available (according to the limits available of your plan), for you to swipe and pay for a vet visit the same way you would use a debit card.

Oh, and did we mention we also let you go to ANY registered vet of your choice? But that’s a cool story for another blog.

To preload funds for vet and routine visits, here’s what you need to do:

  1. Login to our Oneplan App
  2. Load a claim
  3. Money is loaded onto your Onecard
  4. Swipe at the vet

Once your vet visit is completed, you may swipe your Onecard at the provider to the limit available. We require a detailed copy of your invoice to validate your claim or to facilitate a refund, this can be snapped and uploaded in-app.

Boost up your routine care

Now, here’s where things get even more interesting. As of 2020, we have added on a new pawsome product to help you boost up your routine care benefits. WHat’s great about this add-on product is that you can add it to our Pet Hospital plan, which bumps this plan up a notch to include day-to-day coverage benefits.

You can also add our Routine Care Plus benefit to the Pet Classic and Super plans. With our Routine Care Plus product, for a small monthly fee, you can double your routine care limit after a waiting period of 6 months.

What we mean by this is that should you decide to purchase this product, your routine care limits will be doubled 6 months after purchasing this benefit. For example, if you have purchased the Pet Classic Plan and add-on Routine Care Plus, you will receive an additional R720 in cover for routine care every year.

Say goodbye to hospital excess fees

And it gets better…

When you purchase the Routine Care Plus benefit, this will automatically include our Excess Buster. With this, all in-hospital excess fees charged by are automatically waived.

*Please note that these prices are reflective of the date on which this article was written, for up to date pricing, please click here.

Yours in quality pet insurance you could cuddle,


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