Pet Accident Cover: The paw-fect plan for budget savvy pet-parents


Jade Poole from I write words

Pet Accident Cover

Peace of mind could cost as little as R60 a month

If you’re a pet person the way we’re pet people, we won’t need to tell you about how we worry, love and care for our beloved furry friends. Sure, this includes the fun walks and soaking-wet bath days but it also includes making sure your pet is protected at all cost. We’re talking about pet insurance.

Having a pet is a pricey endeavour - you may be shocked to find that you’ve taken on a slightly cheaper child into your home. With vet bills becoming jaw-droppingly expensive (all with good reason), you need to find a way to prepare yourself for any out-of-the-blue bills.

Who needs pet insurance?

You! YOU need pet insurance. Here’s the thing: stop assuming the unexpected won’t happen. Instead, expect the unexpected and find comfort in the fact that you have taken preventative measures you get you through! In the same way that you (hopefully) ensure your health, home and vehicle, you should insure your pet.

Looking after your fur-baby should never compromise your financial stability, which is something we believe very strongly in. So we created four insurance plans that cater to each lifestyle, home and pet parents. Some would go so far as to say your policy will be tail-o-made for you and your furry compadre!

What is an accident?

Accidents happen and boy, they can be expensive. 

An accident that happens to a pet is an unexpected incident that causes them bodily harm and needs emergency medical attention. For an accident to be covered by an accident plan, the wounds need to be physical and obviously caused by the accident (being hit by a car, falling from a height or swallowing something they shouldn’t have). An accident is not a slowly developing illness like sore joints or sore bones - there needs to be an instant cause and effect.

What is an illness?

An illness is a disease or sickness that started after your pet insurance cover started. Our Pet Accident Plan does not offer illness cover, but our Pet Hospital plan does.

Oneplan Pet Accident Plan

Our Pet Accident Plan is our most recent addition to our offering of four fully comprehensive policies and so far it has been a huge success for pet parents across the country.

Our Pet Accident Plan is our most basic policy and is perfect for pet parents who want to protect themselves with basic bill coverage in the event of an accident. You can have a maximum of 8 pets per policy, and we don’t say no to any old-timers (read more about the best policy for your older dog) but your pet needs to be older than 8 weeks old.

Here is what our Pet Accident Plan has to offer you and your four-legged friend:

Accident Cover:

R8000 annual Accident Cover

Burial/cremation/euthanasia Cover:

Up to R1 500 and forms part of your annual limit.

We cover you for the things you can’t control (especially if we’re talking about a boisterous puppy or curious kitten) like car accidents, burns or electrocution, animal fights/attacks, near drowning, poisoning or swallowed foreign bodies - when Jock swallows a rock or something.

Remember: the removal of gastric foreign bodies is limited to 1 per pet per year. It also happens to be one of our most common claims. You can read up more about that in our blog here.

We also cover you for any trauma that results in punctures or wounds, lacerations, abrasions and fractured or broken bones.

Please note that these prices are reflective of the date that this article was written. For up to date pricing, please follow this link.

Should you consider something more?

If you are happy with your decision to pay your own routine vet care bills and for non-accident related surgeries and illnesses, then a Pet Accident Plan will be what you’re looking for.

But what if your dog does fall ill? If that sounds like it doesn’t cover enough, you should explore our Pet Hospital Plan from R139 pm. This plan includes up to R32 000 in Accident Cover and R30 000 in Illness Cover. With this plan, your pet will be covered for overnight hospital stays and surgeries related to both accidents and illnesses.

At the end of the day, every sacrifice you make for your pet will be worth it. Although they can’t thank you with their words, their health and wellbeing say it all.

To get in touch with one of our pet-crazy brokers, click here. If you want a live quote, here’s the place to go.


Yours in tail-o-made insurance


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