What pet insurance plan is best for my young pet?
You might be thinking “but younger pets don’t need pet insurance?” However, younger pets not only have their own set of risks but vet bills too.
At Oneplan, we are here to help save you from both the unexpected and expected costs that come with responsible pet ownership for pets of ANY age.
The same way that humans need help affording medical bills in the form of medical aid or health insurance, pets come with their own set of healthcare fees that are not only ongoing (in terms of routine care, check-ups and/or medication for chronic illness), but unexpected costs can land you in a huge amount of debt. Seriously, the financial implications of veterinary care are not something to take lightly.
A check-up at the vet can set you back R350 or more. And that’s not including any medication or additional tests. Emergency pet healthcare can start at R2000 and quickly skyrocket to tens of thousands of rands.
Cue pet insurance.
The reason for pet insurance
Now, most pet parents are under the impression that they need to only turn to pet insurance when their pets are sick or older. And while we all like to think that nothing bad will ever happen to our furry members of the family as long as we look after them, feed them the right food and shower them with love and attention, they should be healthy and happy for their entire lives, right? Sadly, it doesn’t always work out like that.
By purchasing a pet insurance plan, it can help you make the right healthcare decisions for your pet without having to be concerned with the costs associated with this expert care. Meaning your pet can receive the care they need when they need it most without you having to dip into your savings, or worse, take out a loan.
The reason for pet insurance for younger pets
Far too many pet parents assume that their young pets do not need medical insurance, seeing as they are healthy and young, why would they need to pay that additional monthly expense? But the thing is, when your pet is young and healthy and the BEST time to get pet insurance - BEFORE something goes wrong and your pet has what is then classified at a pre-existing condition. In which case, you will need to abide by a 12 month waiting period before you can claim for any events relating to this specific condition. And with other insurers, they might not cover pre-existing conditions at all.
Unexpected and expensive accidents
Another reason for insuring the health of your younger pet is to save your bank account from the surprise costs of accidents and illnesses. We all know how clumsy, inquisitive and brave younger pets can be. Which makes them prone to landing themselves in some troublesome situations.
Your puppy’s first big jump down the stairs could end up with a broken paw.
As a pet parent, you need to be prepared for anything. One day your pet might be running around happily and healthily, and the next she needs immediate medical attention. If you have the right coverage when something like this happens, you will never have to choose between your bank account and the health of your pet.
Pet insurance can help your pet to lead a longer and healthier life with coverage for vet visits and routine care.
With Oneplan pet insurance, we include cover for regular vet visits, routine checkups, blood work, dental cleanings and more! Not to mention, we put money in your pocket BEFORE you see the vet! This is thanks to our smart claims system and transactional Onecard. Before visiting your vet (of your choice), you simply log into the Oneplan app, preload your claim and we will transfer the necessary funds needed according to your chosen plan, straight into your Onecard for you to swipe and pay for the vet visit.
Pet insurance plans best suited to younger pets
When it comes to choosing the right plan for your pet, it can be a bit o a daunting process. There are so many plans and benefits available to you, making it hard to narrow it down to just one.
We often suggest that our clients have a chat with their vet to get an expert opinion on what kind of cover their pet might need. For example, some breeds are prone to hereditary conditions and might require a more comprehensive plan. Whilst others might only require a hospital plan. At the end of the day, the choice comes down to what you can afford and what sort of healthcare coverage your pet needs.
If you are looking for cover that includes more than just benefits for accidents, but illnesses too, then look no further than our Pet Hospital Plan.
**Please note that the costs mentioned here are representative of the date that this article was written. For updated pricing, please click here.
Pet Hospital Plan
The basics of this plan
For only R155 a month for your dog and R140 a month for your cat, this plan includes cover for:
- Accidents - Up to R35 000
- Illnesses - Up to R32 000
- Kennel fees - If something happens to you and you are hospitalised and cannot look after your pet
Add routine care onto your plan
Now, you might want a little more routine care benefits added onto your plan. Thanks to our latest product, for only R35 extra a month, our Routine Care Plus Benefit allows you to receive an additional R350 in cover for routine care after a waiting period of 6 months (starting from the date you decide to purchase this additional product).
The great part about this is that with Routine Care Plus, this automatically includes our Excess Buster which means you can waive hospital excess fees.
If you need any additional assistance, feel free to contact our team of experts.
Yours in quality pet insurance you could cuddle,