What does cat insurance cost?

   

Jade Poole from I Write Words

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What does cat insurance cost

We’re glad you asked. We break down the costs of insuring the health of your cat and what to look for when choosing a pet insurance policy.

If you’re looking to insure the health of your cat, then you have taken a step in the right direction.

As any responsible pet parent knows, accidents and illnesses can and will happen when you least expect them to.

And whilst you can’t predict when things go wrong, you can plan for when they do. Which is where pet insurance comes into play.

The reason for pet insurance

Pet insurance (which was created by a vet to prevent his patient’s paw parents having to face the unexpected and expensive bills of veterinary care - fun fact of the day!) provides you with cover for vet fees if your cat becomes injured or sick.

In some cases, your insurer might also include other benefits such as cover the costs of routine (wellness) care and day to day costs like vet visits and even dental care. It all depends on your chosen insurer and the plan you decide to purchase.

With Oneplan (that’s us), our range of plans give you the freedom of choice to find a plan that not only suits your budget, but your pet’s healthcare needs to.

Not to mention we also include cover for expensive conditions such as pre-existing, hereditary and congenital conditions after a specified waiting period. We also front you with cash BEFORE you see your vet, but that’s a story for another day.

In any case, finding an affordable and reliable pet insurance plan can provide you with peace of mind in the event of an emergency.

Explore more: Does Oneplan Pet Insurance Cover Cancer Treatment?

But, do cats really need pet insurance?

Oh yes they do.

Look at it this way, whilst your precious ball of fluff and love is an endless source of fascination and love - just like humans, your cat can fall ill or have an accident.

And what happens when you rush Mr. Whiskers to the vet after he doesn’t land on his feet after jumping down from a tree? Or when you find a strange lump on his belly? Vet bills can quickly skyrocket when surgery is required (you’re looking at thousands of rands to save your cat’s life).

Pet insurance is a sure-fire way to help you plan for the unexpected (and expected if you have cover for day-to-day costs).

Read more: The best pet insurance for cats

What does cat insurance cost with Oneplan?

We’re glad you asked!

We have 4 different plans for you to choose from, each with their own benefits and pricing.

We have outlined some of the main benefits of each plan below:

Pet Accident Plan

Cost = R60 per cat per month

Benefits:

  1. No age limit applies to this plan
  2. R8000 in accident cover

Pet Hospital Plan

Cost = R140 per cat per month

Benefits:

  1. Accident cover up to R35 000
  2. Illness cover up to R32 000
  3. Kennel fees up to R165 per day (in the event that something happens to you and you cannot look after your cat)
  4. Option of Excess Buster and Routine Care Plus Benefit

Pet Classic Plan

Cost = R278 per cat per month

Benefits:

  1. Vet visits and routine care included
  2. Accident cover up to R40 000
  3. Illness cover up to R33 000
  4. Kennel fees up to R165 per day (in the event that something happens to you and you cannot look after your cat)
  5. Option of Excess Buster and Routine Care Plus Benefit

Pet Classic Plan

Cost = R410 per cat per month

Benefits:

  1. Vet visits and routine care included
  2. Accident cover up to R55 000
  3. Illness cover up to R50 000
  4. Kennel fees up to R185 per day (in the event that something happens to you and you cannot look after your cat)
  5. Option of Excess Buster and Routine Care Plus Benefit

**Please note that these prices were valid in June 2020, when this article was written. For up to date pricing, please click here.

Cost

What to consider when choosing a pet insurance plan

1. Insure your cat (or kitten) as soon as possible

Whilst Mr. Whiskers might be happy and healthy right now, which makes it hard to imagine that something might go wrong. However, the best time to insure your cat is right now, before he suffers from any injury or illness (which comes with the consequences of expenses and possible exclusion of the condition from any future cover - most pet insurers do not cover pre-existing conditions).

Explore more: Is my cat too old for pet insurance?

2. Make an informed choice the first time

It’s advised that you spend some time investigating the insurance options available to you. It’s also a good idea that you chat with your vet and get an idea of what sort of cover he or she recommends (comprehensive or accident-only), as no one knows your pet’s health as well as your vet. Your vet might also have some experience with working with an insurer he or she deems highly.

3. Read the fine print

At Oneplan, we have done away with the legal lingo and complicated words no one understands and break down our insurance policies to ensure you know exactly what you are covered for and what you are not. But not all insurers are created equal. Which means that you need to ensure you know the ins and outs of your policy before you sign on the dotted line.

Explore more: What dog insurance looks like with Oneplan

4. Do not base your choice on price alone

Whilst affordability is a major factor when it comes to choosing a plan, all pet insurance policies have different benefits and exclusions. Which means that you might choose a plan that suits your budget, only to find out you are not covered for the events that really matter.

If you have any more questions about pet insurance, our pet-loving team is waiting for your call!

Yours in cuddle-worthy pet insurance designed with your pet in mind,

Oneplan



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