All About Claims
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 selecting one of our Premium Saver options with a fixed excess. Find out more here.
The Lite plan excess is 20% of the claim, minimum of R300 excess per claim.
- 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, minimum of R250 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
The Accident plan excess is 15% of the claim, minimum of R150 excess per claim.
The Chronic Care Support Add-On claim excess is 18% of the claim.
The Benefit Booster claims excess is 18% of the claim.
Claims for routine care, behaviour treatment, costs due to theft, missing pet advertising, cremation, sterilisation & prescription food do not have an excess.
Any condition that shows signs, symptoms, or was treated before your policy was accepted, & your cover started is deemed “pre-existing”, & not covered on all plans.
Pre-existing condition cover can be added to Lite plan, with an additional premium.
Benefit Booster can also provide cover for a pre-existing condition.
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, & are helping keep premiums affordable for everyone. Don’t forget, we have a No-Claim Discount for those not claiming too, helping you save.
Our Most Common Claims
Ear & Eye
”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