Pet Insurance Plans

Medipet lite plan insurance Icon

Lite Plan

Annual maximum of up to R40 000 per policy year

From R321 pm per pet

R15 pm Family Vet Fee

Why would I choose this plan?

  • You cannot afford comprehensive cover
  • You need basic, must-have cover
  • You want illness cover for a golden oldie
  • You don’t think you will need more than 4 claims a year, & each claim will be within the claim limit
  • You don’t want sub-limits within the 4 claims
  • You may need cover for pre-existing conditions
  • Benefit Booster is available should you need more cover

Plan information:

  • No-claim period: 30 days from date of joining (all accidents, as listed in the Accident plan, 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 within your annual maximum.
  • Maximum of R13 760 per claim

Optional add-ons

Day-to-day routine care

Routine Supreme

R195 pm per pet

R3 300 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine In-Between

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine Lean

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

There is a 30-day waiting period on routine care optional add-ons 

What is not covered by MediPet Lite Plan:

  • Holistic wellness (any treatment not forming part of normal mainstream vet treatment), supplements, behavioural therapy, dental care, radiation, chemotherapy & prescription food (Benefit Booster is available should you need more cover)
  • Cremation contribution, missing pet advertising & theft contribution
  • Emergency boarding fees

Optional add-on

Benefit Booster

Can be used to add benefits which aren’t included on Lite plan, or just to increase an existing benefit on Lite.

Optional add-on

Premium Saver

By adding this feature, you will save 7.5% – 15% on your monthly premiums, & with the fixed excesses you can save on your claims too. Click below to learn more.

Medipet Ultimate Plan Insurance Icon

Essential Plan

Annual maximum of up to R55 000 per policy year

From R422 pm per dog
From R348 pm per cat
R15 pm Family Vet Fee

Why would I choose this plan?

  • Accidents, illness, emergencies, & holistic wellness
  • Worry-free, comprehensive cover
  • You want peace of mind for expensive surgeries
  • You don’t want sub-limits
  • You want unlimited number of claims in the year
  • You want to be able to add an ongoing chronic plan if needed
  • Benefit Booster is available should you need more cover
  • Your dog is under 9 years of age upon joining

Excess:

  • General claim excess: 18%, minimum of R350 per claim
  • Specific excess: 25%, minimum of R500 per claim for gastro-intestinal conditions, lameness, skin conditions, ear & eye conditions, respiratory & spinal conditions
  • Multi-Claim Sliding Excess: General & Specific Excesses apply to the first 3 claims in the policy year. Thereafter the following sliding excess structure applies when the paid claims totals are:
    • More than R6 000 but less than R9 000, the excess is 30% of the claim, minimum of R1 000 excess per claim
    • More than R9 000, the excess is 30% of the claim, minimum of R1 250 excess per claim
  • Holistic wellness, supplements & emergency boarding excess: 18% per claim

Waiting periods:

  • All accidents, as listed in the Accident plan, are covered immediately without waiting periods
  • 30-day no-claim period from date of joining
  • 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: Cruciate ligament surgery, luxating patella surgery, hip, elbow, shoulder surgery & 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 & if the condition manifests within that period, it will be excluded from cover moving forward.

Additional benefits:

  • Holistic Wellness – physiotherapy, homeopathy, hydrotherapy, acupuncture, rehabilitation & more – up to R5 000 per policy year
  • Supplements – up to R2 000 per policy year
  • Behavioural Therapy – up to R4 000 for the lifetime of your pet
  • 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 & is not found or does not return within 45 days
  • Radiation & Chemotherapy

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
  • Dental care & prescription food (unless a chronic care support add-on is selected, when needed)
  • Cremation contribution

Optional add-ons

Day-to-day routine care

Routine Supreme

R195 pm per pet

R3 300 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilization, grooming & nail-clipping, training & puppy socialisation

Routine In-Between

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine Lean

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

There is a 30-day waiting period on routine care optional add-ons 

Optional add-on

Benefit Booster

Can be used to add benefits which aren’t included on Essential plan, get cover for pre-existing conditions or those excluded, &/or to increase an existing benefit.

Optional add-on

Premium Saver

By adding this feature, you will save 7.5% – 15% on your monthly premiums, & with the fixed excesses you can save on your claims too. Click below to learn more.

Optional add-on

Chronic care support

Ongoing cover for conditions – also used to add benefits which aren’t included in your plan or to increase the limit of an existing benefit in your selected plan. This includes, but is not limited to medication, treatment, monitoring, supplements, behavioural therapy, & holistic wellness (not forming part of normal mainstream vet treatment), dental care & prescription food.

Examples of popular chronic care support add-on structures
Annual benefit Additional monthly premium Additional annual premium
Bronze Plan R3 000 R240 R2 880
Silver Plan R6 000 R480 R5 760
Gold Plan R8 000 R640 R7 680
Platinum Plan R10 000 R800 R9 600

Joining ages for 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 Icon

Ultimate360° Plan

Annual maximum of up to R65 000 per policy year

From R567 pm per dog
From R415 pm per cat
R15 pm Family Vet Fee

Why would I choose this plan?

  • Accidents, illness, emergencies, & holistic wellness
  • Worry-free, comprehensive cover
  • You want peace of mind for expensive surgeries
  • You don’t want sub-limits
  • You’re looking for additional benefits, such as dental care, prescription food & sterilisation
  • You want unlimited number of claims in the year
  • You want to be able to add an ongoing chronic plan if needed
  • Benefit Booster is available should you need more cover
  • Your dog is under 9 years of age upon joining

Excess:

  • General claim excess: 18%, minimum of R350 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: 25%, minimum of R500 per claim, 1 claim per policy year
  • Multi-Claim Sliding Excess: General & Specific Excesses apply to the first 3 claims in the policy year. Thereafter the following sliding excess structure applies when the paid claims totals are:
    • More than R6 000 but less than R9 000, the excess is 30% of the claim, minimum of R1 000 excess per claim
    • More than R9 000, the excess is 30% of the claim, minimum of R1 250 excess per claim
  • Holistic wellness, supplements & emergency boarding fees: 18% excess per claim

Waiting periods:

  • All accidents, as listed in the Accident plan, are covered immediately without waiting periods
  • 30-day no-claim period from date of joining
  • 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 & sterilisation claims
  • There is a 6-month waiting period on the cremation 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: Cruciate ligament surgery, luxating patella surgery, hip, elbow, shoulder surgery & 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 & if the condition manifests within that period, it will be excluded from cover moving forward.

Additional benefits:

  • Holistic Wellness – physiotherapy, homeopathy, hydrotherapy, acupuncture, rehabilitation & more – up to R5 000 per policy year
  • Supplements – up to R2 000 per policy year
  • Behavioural Therapy – up to R4 000 for the lifetime of your pet
  • Missing Pet Advertising – R250 per policy 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 & is not found or does not return within 45 days
  • Prescription Food – R150 per month for up to 6 months per policy year
  • Cremation contribution – up to R500 per cat & R1 000 per dog
  • Radiation & chemotherapy
  • Dental care – one dental procedure per policy year
  • Sterilisation – up to a maximum of R1 200

What is not covered by MediPet Ultimate360° 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

Optional add-ons

Day-to-day routine care

Routine Supreme

R195 pm per pet

R3 300 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine In-Between

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine Lean

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping &
sterilisation, grooming & nail-clipping, training & puppy socialisation

There is a 30-day waiting period on routine care optional add-ons 

Optional add-on

Benefit Booster

Can be used to get cover for pre-existing conditions or those excluded on your Ultimate360° plan, &/or to increase an existing benefit.

Premium Saver

Opt in for R1 000 flat excess on all general, specific & dental claims, to discount your premium by 7.5% or choose R2 000 flat excess on all general, specific & dental claims, for a 15% discount on your premium.

Optional add-on

Chronic care support

Ongoing cover for conditions – also used to add benefits which aren’t included in your plan or to increase the limit of an existing benefit in your selected plan. This includes, but is not limited to medication, treatment, monitoring, supplements, behavioural therapy, & holistic wellness (not forming part of normal mainstream vet treatment), dental care & prescription food.

Examples of popular chronic care support add-on structures
Annual benefit Additional monthly premium Additional annual premium
Bronze Plan R3 000 R240 R2 880
Silver Plan R6 000 R480 R5 760
Gold Plan R8 000 R640 R7 680
Platinum Plan R10 000 R800 R9 600

Joining ages for Ultimate360°

  • All dogs between the ages of 8 & 9 are subject to a complete vet history when joining Ultimate360°
  • All cats 9 years & over are subject to a complete vet history when joining Ultimate360°
  • All dogs over 9 years of age are offered Lite or Accident plans, not Ultimate360°
Medipet Accident Plan Insurance Icon

Accident Plan

Annual maximum of up to R25 000 per policy year

R226pm per pet

R15 pm Family Vet Fee

Why would I choose this plan?

  • Your dog is over 9 years of age upon joining
  • You can afford accident cover only
  • You don’t want any waiting periods
  • You don’t want sub-limits

Accident plan covers treatment resulting from:

  • Car accident
  • Burn or electrocution
  • Fall from an elevated position
  • Near-drowning
  • The actions of another animal
  • A swallowed or embedded foreign object requiring surgical or endoscopic removal
  • Snake bite
  • An allergic reaction to an insect bite (other than tick or flea bites)
  • Billiary (tick bite fever)
  • Accidental poisoning
  • Acute traumatic ligament or tendon injury

Or otherwise result in:

  • A fractured bone &/or tooth/teeth
  • A puncture wound
  • Lacerations, abrasions or wounds
  • A gastric torsion (gastric dilation volvulus)
  • A soft tissue prolapse

Terms & conditions:

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

Optional add-ons

Day-to-day routine care

Routine Supreme

R195 pm per pet

R3 300 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine In-Between

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

Routine Lean

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation, grooming & nail-clipping, training & puppy socialisation

There is a 30-day waiting period on routine care optional add-ons 

What is not covered by MediPet Accident Plan:

Any treatment that is not listed as covered above