Pet Insurance Plans

Medipet Accident Plan Insurance

Accident Plan

Annual maximum of up to R25 000 per policy year

R195 pm per pet

Why would I choose this plan?

  • Simplest, most basic plan
  • Accident cover only
  • You can’t afford comprehensive cover
  • You don’t want any waiting periods
  • You want unlimited number of claims in the year
  • You don’t want limits per claim

Accident plan covers treatment resulting from:

  • A snake bite
  • Biliary
  • Accidental poisoning
  • The actions of another animal
  • A swallowed or embedded foreign object requiring surgical or endoscopic removal
  • A motor vehicle accident
  • A burn or electrocution
  • A near-drowning
  • A fall from an elevated position
  • An allergic reaction to an insect bite other than tick or flea bites

Or otherwise result in:

  • A fractured bone
  • A puncture wound
  • A traumatic ligament or tendon injury
  • Lacerations, abrasions or wounds
  • A gastric torsion (gastric dilation volvulus)

Terms & Conditions:

  • Waiting period: None
  • Excess: 10%, with a minimum of R150 per claim

Top Pet Routine Care Add-On (Optional)

R65 pm per pet
R1100 towards

  • Vaccinations
  • Tick & flea control
  • Deworming
  • Microchipping
  • Sterilisation

There is a 30-day waiting period on Top Pet routine care claims.

What is not covered by MediPet Accident Plan:

  • Pre-existing conditions: any accident, illness, operation, injury, or behaviour condition(s) currently existing, or showing signs & symptoms, or needing treatment prior to joining (there are no waiting periods on this plan)
  • If diagnosis is not made within 48 hours of the time of the incident
  • Any non-accident claims including but not limited to other plan benefits such as holistic wellness, behavioural therapy, dental care, prescription food, condolence contribution, emergency boarding fees, missing pet advertising, & theft contribution
  • Radiation & chemotherapy
  • Chronic conditions and/or chronic care plans
  • Routine care (unless Top Pet is added to cover)
  • Claims related to pregnancy, grooming, elective procedures, & cremation
  • Claims submitted later than 60 days after the treatment date
Medipet lite plan insurance

Lite Plan

Annual maximum of up to R35 000 per policy year

R270 pm per pet

Why would I choose this plan?

  • Affordable alternative to comprehensive cover for those with budgets
  • Accidents, illness & emergencies
  • You don’t want any additional benefits
  • You want common, comparable, limited cover
  • You therefore don’t mind limits on number of claims & per claim
  • You prefer no age limit for pets joining

Plan information:

  • Waiting periods: 30 days from date of joining (all accidents are covered immediately without waiting periods)
  • Excess: 15%, minimum of R250 per claim
  • Up to 4 claims per policy year – you decide which claims to submit
  • Maximum of R13 760 per claim
  • Maximum of R35 000 per policy year

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

  • Vaccinations
  • Tick & flea control
  • Deworming
  • Microchipping
  • Sterilisation

There is a 30-day waiting period on Top Pet routine care claims.

What is not covered by MediPet Lite Plan:

  • Pre-existing conditions: any accident, illness, operation, injury, or behaviour condition(s) currently existing, or showing signs & symptoms, or needing treatment prior to joining, or within a waiting period
  • Holistic wellness including complementary rehab (which is any treatment not forming part of normal mainstream vet treatment, for example acupuncture, physiotherapy, homeopathy, hydrotherapy, gold bead implants, floatation devices, life jackets, carts, harnesses), as well as supplements
  • Behavioural therapy, dental care, prescription food & condolence contribution
  • Radiation & chemotherapy
  • Emergency boarding fees
  • Chronic care plans
  • Routine care (unless Top Pet is added to cover)
  • Claims related to pregnancy, grooming, elective procedures, & cremation
  • Claims submitted later than 60 days after the treatment date
Medipet Ultimate Plan Insurance

Essential Plan

Annual maximum of up to R40 000 per policy year

R355 pm per dog
R304 pm per cat

Why would I choose this plan?

  • Worry-free, comprehensive cover
  • Accidents, illness, emergencies, & holistic wellness
  • You value additional revolutionary benefits
  • You want unlimited number of claims in the year
  • You want no limits per claim (not necessarily per benefit, though)
  • You want to know you can incorporate a chronic care plan, if needed
  • Your dog is under 9 years of age upon joining
  • You qualify for a multi-pet family discount

Excess:

  • General claim excess: 18%, minimum of R350 per claim
  • Holistic wellness (including supplements) & emergency boarding excess: 18% per claim
  • Specific excess: 25%, minimum of R500 per claim for gastro-intestinal conditions, lameness, skin conditions, ear & eye conditions, respiratory & spinal conditions

Waiting Periods:

  • All accidents are covered immediately without waiting periods
  • The most important waiting period on Essential is our initial 30-day no-claims period
  • This is followed by a 30-day 50% shared co-payment period. (If your pet develops any condition during this period, you’ll continue to share a 50% co-payment for claims on it moving forward)
  • There is a 6-month waiting period for knee, hip, elbow & shoulder, eye, respiratory system and spinal treatments, however we will pay up to R5 000 towards diagnostic tests within this period (Pets under 4 months upon joining may still be considered for part or full cover of these treatments)

Surgeries:

1 of each of the following per policy year: Knee, hip, elbow, shoulder & foreign body ingestion.

The costs of further surgery for any one of the above within the same policy year will be shared 50% with you. Should your pet have an exclusion placed on a body part/limb for any one of the above, then the alternate side will have a 6-month no-claims period, and if the condition manifests within that period, it will be excluded from cover moving forward.

Our exciting, revolutionary
Holistic Wellness Support:

Complementary Rehabilitation Treatments – Physiotherapy, homeopathy, hydrotherapy, acupuncture and more – up to R5 000 per policy year.

Supplements – up to R2 000 per policy year

Additional benefits:

  • Behavioural Therapy – up to R4 000 for the lifetime of your pet (Not to be used for puppy training)
  • Missing Pet advertising – R250 per year
  • Emergency Boarding fees – R500 per cat per year & R1 000 per dog per year – not to be used for holiday care.
  • Theft – R1 000 in the event that your dog is stolen or goes missing and is not found or does not return within 45 days.

What is not covered by MediPet Essential Plan:

  • Pre-existing conditions – any accident, illness, operation, injury, behaviour condition currently existing, or showing signs & symptoms, or needing treatment prior to joining, or within a waiting period
  • Routine care (unless Top Pet is added to cover)
  • Claims related to pregnancy, grooming, elective procedures, & cremation
  • Claims submitted later than 60 days after the treatment date
  • Dental care, prescription food or condolence benefit claims (available on our Ultimate plan only)

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

  • Vaccinations
  • Tick & flea control
  • Deworming
  • Microchipping
  • Sterilisation

There is a 30-day waiting period on Top Pet routine care claims.

More about Chronic Care Support plans

These are unique to MediPet. Some pets sadly develop conditions that need lifelong treatment, or even just treatment longer than 3 months. This is not normally covered by short-term insurance. We, however, will develop a special treatment plan together with you, if necessary, for your Essential plan pet, which allows you to apply some of your maximum amount per policy year towards this condition, with a customised premium

More about joining ages for Essential:

  • 12% will be added to the premium of all dogs over 6 years of age when joining Essential
  • All dogs between the ages of 8 & 9 are subject to a complete vet history when joining Essential
  • All cats 9 years & over are subject to a complete vet history when joining Essential
  • All dogs over 9 years of age are offered Lite or Accident plans, not Essential
Medipet Essential Plan Insurance

Ultimate Plan

Annual maximum of up to R40 000 per policy year

R448 pm per dog
R362 pm per cat

Why would I choose this plan?

  • Worry-free, comprehensive cover with additional benefits for complete peace-of-mind
  • Accidents, illness, emergencies, & holistic wellness
  • You value additional revolutionary benefits
  • You understand the importance of dental care
  • You value prescription food & condolence contribution benefits
  • You want unlimited number of claims in the year
  • You want no limits per claim (not necessarily per benefit, though)
  • You want to know you can incorporate a chronic care plan, if needed
  • You qualify for a multi-pet family discount

Excess:

  • General claim excess: 18%, minimum of R350 per claim
  • Holistic wellness (including supplements) & emergency boarding fees: 18% excess per claim
  • Specific excess: 25%, minimum of R500 per claim for gastro-intestinal conditions, lameness, skin conditions, ear & eye conditions, respiratory & spinal conditions
  • Dental care: 20%, minimum of R500 per claim, 1 claim per policy year

Waiting Periods:

  • All accidents are covered immediately without waiting periods
  • The most important waiting period on Ultimate is our initial 30-day no-claims period
  • This is followed by a 30-day 50% shared co-payment period. (If your pet develops any condition during this period, you’ll continue to share a 50% co-payment for claims on it moving forward)
  • There is a 4-month waiting period on prescription food & dental care claims
  • There is a 6-month waiting period on the condolence benefit (this cannot be claimed if the death is as a result of any excluded and/or pre-existing conditions)
  • There is a 6-month waiting period for knee, hip, elbow & shoulder, eye, respiratory system and spinal treatments, however we will pay up to R5 000 towards diagnostic tests within this period. (Pets under 4 months upon joining may still be considered for part or full cover of the above treatments)

Surgeries:

1 of each of the following per policy year: Knee, hip, elbow, shoulder & foreign body ingestion.

The costs of further surgery for any one of the above within the same policy year will be shared 50% with you. Should your pet have an exclusion placed on a body part/limb for any one of the above, then the alternate side will have a 6-month no-claims period, and if the condition manifests within that period, it will be excluded from cover moving forward.

Our exciting, revolutionary
Holistic Wellness Support:

Complementary Rehabilitation Treatments – Physiotherapy, homeopathy, hydrotherapy, acupuncture and more – up to R5 000 per policy year.

Supplements – up to R2 000 per policy year

Additional benefits:

  • Behavioural Therapy – up to R4 000 for the lifetime of your pet (Not to be used for puppy training)
  • Missing Pet Advertising – R250 per policy year
  • Emergency Boarding Fees – R500 per cat per policy year & R1 000 per dog per policy year – not to be used for holiday care
  • Theft – R1 000 in the event that your dog is stolen or goes missing and is not found or does not return within 45 days
  • Dental Care – 1 claim a policy year for extractions, descale & polish ·
  • Prescription Food – R150 per month for up to 6 months per policy year
  • Condolence contribution – R500 per cat & R1 000 per dog
  • Radiation & chemotherapy
  • Chronic care plans (if required, accepted and incorporated into cover)

What is not covered by MediPet Ultimate Plan:

  • Pre-existing conditions – any accident, illness, operation, injury, behaviour condition(s) currently existing, or showing signs & symptoms, or needing treatment prior to joining, or within a waiting period
  • Routine care (unless Top Pet is added to cover)
  • Claims related to pregnancy, grooming, elective procedures, & cremation
  • Claims submitted later than 60 days after the treatment date

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

  • Vaccinations
  • Tick & flea control
  • Deworming
  • Microchipping
  • Sterilisation

There is a 30-day waiting period on Top Pet routine care claims.

More about Chronic Care Support plans

These are unique to MediPet. Some pets sadly develop conditions that need lifelong treatment, or even just treatment longer than 3 months. This is not normally covered by short-term insurance. We, however, will develop a special treatment plan together with you, if necessary, for your Ultimate plan pet, which allows you to apply some of your maximum amount per policy year towards this condition, with a customised premium.

More about joining ages for Ultimate:

  • 12% will be added to the premium of all dogs over 6 years of age when joining Ultimate
  • All dogs between the ages of 8 & 9 are subject to a complete vet history when joining Ultimate
  • All cats 9 years & over are subject to a complete vet history when joining Ultimate
  • All dogs over 9 years of age are offered Lite or Accident plans, not Ultimate