GENRIC PET INSURANCE
Comprehensive Medical Expense+
Accident & Illness medical Expenses PLUS Extended Cover1
Comprehensive Medical Expense Only
Accident & Illness medical Expenses
Hospital Only
Accident & Illness in-hospital Medical Expenses Only2
Accident Only
Accident only medical expenses
Essential
Consultation only - Covers all costs not related to in-hospital treatment
Monthly Premium
Yes
Yes
Yes
Yes
Yes
Annual Premium
Yes
Yes
Yes
Yes
Yes
Multiple Pet Discount
Yes
Yes
Yes
Yes
Yes
Overall Annual Maximum Benefit Limit
R45,000
per pet per 12-month period of insurance
R40,000
per pet per 12-month period of insurance
R35,000
per pet per 12-month period of insurance
R25,000
per pet per 12-month period of insurance
R15,000
per pet per 12-month period of insurance
Excess
10% min R500
10% min R500
10% min R500
10% min R500
10% min R500
General Waiting Period
31 Days
31 Days
31 Days
N/A
31 Days
Age of Pet
8 weeks to 9 years
8 weeks to 9 years
8 weeks to 9 years
8 weeks to 9 years
8 weeks to 9 years
Microchip Required
No
No
No
No
No
Breed Exclusion
No
No
No
No
No
Direct payment to Vets3
Yes
Yes
Yes
Yes
Yes
Vet of Own Choice
Yes
Yes
Yes
Yes
Yes
All Accident Cover
Yes
Yes
Yes
Yes
Yes5
Emergency Treatment Cover
Yes
Yes
Yes1
Yes
Yes
Consultation & Pre-hospital Cover
Yes
Yes
Yes1
Yes
Yes
In-hospital Cover
Yes
Yes
Yes
Yes
Yes
Prompt Claims Settlement
Yes (Maximum 5 working days)
Yes (Maximum 5 working days)
Yes (Maximum 5 working days)
Yes (Maximum 5 working days)
Yes (Maximum 5 working days)
Pre-existing Conditions Covered
12 Month waiting period
12 Month waiting period
12 Month waiting period
No
No
Routine Care Option
Yes
Yes
Yes
Yes
Yes
Third Party Liability
Yes
Yes
Yes
No
No
Double Up Option4
Yes
Yes
Yes
Yes
Yes
1
Extended Covers: Alternative/Complimentary treatment, boarding fees, advertising and rewards, missing or stolen pet, dental cover, death benefit/condolence benefit, prescription diet.
2
Covers in-hospital expenses only plus consultation and pre-hospital expenses for conditions resulting in hospitilisation.
3
By arrangement on pre-authorised procedures
4
Double Up Option: Double your premium and thereby double your annual limits
5
Cover only applicable if not admitted to hospital