Pet Insurance Plans

Medipet Accident Plan Insurance Icon

Accident Plan

Annual maximum of up to R25 000 per policy year

R215 pm per pet

R15 pm Family Vet Fee

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)
  • A soft tissue prolapse

Terms & Conditions:

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

Add-Ons

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

Top Pet Double Up Routine Care Add-On (Optional)

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

There is a 30-day waiting period on Top Pet Routine Care Add-On claims.

What is not covered by MediPet Accident Plan:

Any treatment that is not listed as covered above
Medipet lite plan insurance Icon

Lite Plan

Annual maximum of up to R35 000 per policy year

R297 pm per pet

R15 pm Family Vet Fee

Why would I choose this plan?

  • Affordable alternative to comprehensive cover for those with budgets
  • You need to get cover for a pet of any age
  • You may need cover for pre-existing conditions after 30 days
  • 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

Plan information:

  • No-claim period: 30 days from date of joining (all accidents, as listed below, 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
  • Annual maximum of R35 000 per policy year

Add-Ons

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

Top Pet Double Up Routine Care Add-On (Optional)

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

There is a 30-day waiting period on Top Pet Routine Care Add-On claims.

Chronic Care Support Add-Ons (Optional)

Ongoing cover for conditions above & beyond traditional short-term insurance.

Annual benefit Additional monthly premium
Bronze Plan R3 000 R240
Silver Plan R6 000 R480
Gold Plan R8 000 R640
Platinum Plan R10 000 R800

What is not covered by MediPet Lite Plan:

  • 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, missing pet advertising, & theft contribution
  • Radiation & chemotherapy
  • Emergency boarding fees

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.

An “accident” on any plan is defined as the following:

  • 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)
  • A soft tissue prolapse
Medipet Ultimate Plan Insurance Icon

Essential Plan

Annual maximum of up to R50 000 per policy year

From R383 pm per dog
R322 pm per cat
R15 pm Family Vet Fee

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)
  • 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, as listed below, 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: 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.
  • 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 or condolence benefit claims

Add-Ons

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

Top Pet Double Up Routine Care Add-On (Optional)

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

There is a 30-day waiting period on Top Pet Routine Care Add-On claims.

Chronic Care Support Add-Ons (Optional)

Ongoing cover for conditions above & beyond traditional short-term insurance.

Annual benefit Additional monthly premium
Bronze Plan R3 000 R240
Silver Plan R6 000 R480
Gold Plan R8 000 R640
Platinum Plan R10 000 R800

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.

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

An “accident” on any plan is defined as the following:

  • 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)
  • A soft tissue prolapse
Medipet Essential Plan Insurance Icon

Ultimate Plan

Annual maximum of up to R50 000 per policy year

From R493 pm per dog
R384 pm per cat
R15 pm Family Vet Fee

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 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, as listed below, 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 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

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

Add-Ons

Top Pet Routine Care Add-On (Optional)

R65 pm per pet

R1 100 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

Top Pet Double Up Routine Care Add-On (Optional)

R130 pm per pet

R2 200 per year preventative cover towards vaccinations, tick/flea & deworming, microchipping & sterilisation.

There is a 30-day waiting period on Top Pet Routine Care Add-On claims.

Chronic Care Support Add-Ons (Optional)

Ongoing cover for conditions above & beyond traditional short-term insurance.

Annual benefit Additional monthly premium
Bronze Plan R3 000 R240
Silver Plan R6 000 R480
Gold Plan R8 000 R640
Platinum Plan R10 000 R800

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.

Joining ages for 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

An “accident” on any plan is defined as the following:

  • 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)
  • A soft tissue prolapse