All About Claims

Excesses

An excess is the minimum amount you pay for some insurance claims. This is deducted from your refund as is standard with all insurance as it is not like human medical aid.

Some of our members choose to save on their claim excesses by fixing them with one of our Premium Saver options. Find out more  here.

Lite & LitePlus Plans

The Lite & LitePlus plan excesses are 25% of the claim, minimum of R300 excess per claim.

Essential & Ultimate360 Plans

Hospital Excess: Applicable to all mainstream vet treatments rendered in hospital 25%, minimum of R350 excess per claim
Day-2-Day Excess: Applicable to all mainstream vet treatments rendered out of hospital, R300 excess per claim
Holistic Wellness, Supplements & Emergency Boarding: The Holistic Wellness, supplement & emergency boarding excess is 18% of the claim
Dental Care (an Ultimate360 plan benefit): The dental care excess is 25% of the claim, minimum of R500 excess per claim

Accident Plan

The Accident plan excess is 15% of the claim, minimum of R150 excess per claim.

Claims for Benefit Booster add-on, Chronic Care Support add-on, routine care add-on, behaviour treatment, costs due to theft, missing pet advertising, cremation, sterilisation & prescription food do not have an excess.

Waiting periods

Accidental injuries for all plans have no waiting periods, & are covered immediately, so long as the accident happened & the cost was incurred after your cover was accepted. See the full list of accidents  here. Pet must be seen by a vet within 48 hours of the time of the incident.

There is a 30-day no-claims period on Lite, LitePlus, Essential & Ultimate360 plans.

A waiting period of 6 months when joining Essential & Ultimate360 is applicable to all treatment & surgery for conditions affecting the following: knees & hips, elbows & shoulders, eyes, respiratory system & spine.

- It is important to note that all diagnostics within this waiting period will be limited to a maximum of R5 000.
- Pets under 4 months of age at joining may be considered for part or full cover of the above treatments. A motivation & pre-approval may be submitted in order to consider full or part payment for one of the above surgeries, on a case-by-case basis.

There is a 4-month waiting period for dental, prescription food, & sterilisation claims on the Ultimate360 plan.

There is a 6-month waiting period for cremation benefits claims on the Ultimate360 plan.

There is a 30-day waiting period for routine care optional add-on benefits.

Pre-existing conditions

Any condition that shows signs, symptoms, or was treated before your policy was accepted, & your cover started is deemed “pre-existing”, & is not covered on all plans, except LitePlus plan.

Benefit Booster can also provide cover for a pre-existing condition.

FAQs

How to “Smart Claim”

MediPet offers short-term insurance cover for your pet – not medical aid. Pet medical aid, unfortunately, does not exist in this country. All insurance, including car, pet & house insurance, is not devised, nor structured for small, everyday claims (unless you have added routine care, chronic care support, &/or Benefit Booster, of course). Therefore, “smart claiming” is our recommendation – keeping your insurance claims for the bigger, unforeseen, significant incidents, accidents & illnesses, not the everyday vet expenses which can be reasonably expected – that way you are using insurance as it was meant to be used, & are helping keep premiums affordable for everyone. Don’t forget, we have a No-Claim Discount for those not claiming too, helping you save.

How To Claim

Make sure you submit your claims to us within 60 days of initial treatment on the invoice in order to be processed.

Our in-house vets, vet nurses & vet-trained team will partner with you, your vet practice & the underwriters using their expertise to help process your claim smoothly, quickly & successfully. We are proud of our 95% claim success rate* – just one of the reasons 99% of our members choose to stay with us every month**.

Sources: *As stated Aug ’24 | ** Ave between Jan ’23 & Feb ’24.

Our Most Common Claims

Gastro

Skin

Ear & Eye

Cancer

Lameness

Tumour

”MediPet is an exceptional & professional service provider. My experience with them has been nothing but smooth & simple with friendly staff helping us along all the way through our claim. Thank you again for great service.
Brolin De Leur

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