We only cover euthanasia if it is recommended by a vet.
Pet health insurance helps to pay for veterinary care when a pet dog becomes ill or is injured. This provides you with peace of mind and helps you avoid having to make tough financial decisions about your pets’ health.
While your pet might be healthy today, there is no way to predict what might happen in the future. With Cat & DogSure Pet Health Insurance, you’ll be able to make sure that your pet has access to the best care possible in the event of an illness or accident, without having to make heart-breaking choices based on finances.
Cat & DogSure Pet Health Insurance covers the veterinary bills (less the excess) for any unexpected illness or injury that your pet may suffer. As with any insurance, it is very important that you take the time to read the Cat & DogSure policy terms and conditions before signing on. If you have any questions please feel free to contact us (021) 551-4447.
Our Accident Only policy is an insurance product designed to cover the unexpected veterinary costs that pet cats and dogs may incur as the result of accidental injury. There is an annual limit of either R10,000 or R20,000 depending on the option selected. The normal excess structure of 15% with a minimum of R450 applies to all claims. All vaccinations must be up to date at the time of joining and must be kept up to date. Your pet is immediately covered for accidental injuries, as long as the policy has incepted.
The standard minimum excess applicable to Cat & Dogsure policies is R450 per claim. If you choose to increase the minimum excess to R1,000 per claim you will be charged the discounted Voluntary Excess Rate as per the rate table. This option can be selected at any time during the policy year but can only be removed on the anniversary in October each year.
At Cat & Dogsure we go the extra mile for our clients. A big portion of our day is spent going backwards and forwards between your Vet and our Underwriter getting everything we need to make sure your claims are settled as quickly as possible. Where claims are not settled to our complete satisfaction we do our utmost to negotiate a better settlement, even going as far as employing the services of an independent vet for an objective second opinion. The Broker fee is currently R15 pm and included in your premium. This will increase along with the rest of your premium on 1 October each year. If you do not wish to pay for this service you have the right to cancel your policy giving 30 days written notice.
Any cat or dog over the age of 8 weeks and under the age of 8 years may join Cat & DogSure. Once they have joined, provided you keep paying the premium, they are covered for life! If at the time of applying they are over the age of 8 they are still eligible for the Accident only policy.
No. We do not require that pets be micro-chipped or tattooed but do feel it’s a good idea.
No. Spaying is recommended for all dog owners, but we do not exclude unspayed pets from cover nor do we charge any extra premium for unspayed pets.
Pre-existing conditions are any illness or condition that showed symptoms prior to joining the insurance or which show symptoms during the first month policy waiting period. A pre-existing condition can also be an injury or recurrence of an injury that occurred before signing onto the insurance. Some pre-existing conditions may be subject to specific waiting period or be excluded from cover. When signing up, you will see that the application form has a few questions regarding your pets’ medical history. You should be completely honest when answering these questions. Knowingly misleading the insurance company about your pet’s previous problems is considered fraud and could result in your policy being cancelled and claims not being paid. After receiving your application, Cat & DogSure Pet Health Insurance will inform you of any exclusion your pet may have in writing allowing you to make an informed decision regarding your pets insurance.
In the case where the pets’ history is unknown, we may ask for a veterinary check-up prior to acceptance. In this case the veterinary consultation will be for your account.
Accidents will be covered from the commencement date of the policy. Full cover for non-accident related consultations and procedures commences one calendar month from the commencement date of the policy.
Yes. As long as your premiums are paid every month your pet will continue to enjoy full cover for its entire life.
No. Your pets’ policy will continue to renew each month so long as your premiums are paid. We consider this to be continuous cover and we do not exclude conditions from year to year.
Hereditary and congenital conditions are diseases or disorders that are inherited genetically. Certain breeds are prone to specific conditions.
Cat & DogSure Pet Health Insurance covers hereditary conditions. As long as your pet hasn’t been diagnosed with the condition, or isn’t showing symptoms of the condition before sign-on or within the 30 day illness waiting period, cover will be available.
Yes. As long as you pay your premiums, your pet will continue to be covered.
Yes. Coverage for prescriptions is included, provided that they have been prescribed by the treating veterinarian as treatment for an illness or accident and the illness or accident is not a pre-existing condition. If your pet requires on-going medication for more than three months, the medication may be deemed to be chronic and subject to clinical treatment protocols which will only be covered under the Pet Care benefit.
Following a 60-day waiting period after the inception of the policy, the following benefits are covered subject to a 15% flat excess and annual limit of R1,250:
chronic treatment and medication, vaccinations, dental scale and polish, sterilization, microchipping, deworming, tick and flea prevention and treatment, any complementary treatments, experimental treatments or any treatments not forming part of mainstream veterinary science, including but not limited to acupuncture, physiotherapy, homeopathy, hydrotherapy, rehabilitation care (if not post-surgery and pre-approved), the treatment of behavioural disorders, any routine care such as anal gland expression, grooming and prescription food.
We do cover the cost of extractions of damaged teeth and of reconstruction of upper and lower canine teeth if the result of an accident. Scale and polishing can be claimed under the Pet Care benefit.
Yes, as long as it was not a pre-existing condition. Please note, that in the case where the pre-existing condition was excluded on one knee, the exclusion may also apply to the other knee as well. You will be informed of this exclusion in writing if it is applicable to your pet.
Chronic conditions are any condition which is incurable but can be managed through long term medication. We currently consider any treatment that lasts longer than 3 months, a chronic treatment and may be claimed under the Pet Care benefit.
Yes. As long as your pet is within the borders of the Republic of South Africa, your pet will be covered. We are not currently able to offer cover to areas outside of the R.S.A.
No. Cat & DogSure Pet Health Insurance does not pay out money upon a pets death.
No. Cremation and burial fall outside of the scope of Cat & DogSure Pet Health Insurance.
We only cover euthanasia if it is recommended by a vet.
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