Pet insurance covers veterinary treatments and surgeries for accidental injury and illnesses ranging from minor incidents such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer. It also provides cover towards preventative care such as vaccinations, spaying, flea, tick and worm control, sterilization and teeth cleaning when you select the relevant cover.
Once your vet has treated your pet, simply send in a claim form along with your vet's detailed account and proof of payment. The pet insurance company then calculates the benefit and pays you directly. It is as simple as that.
Note: Benefits are paid according to the insurance company Benefit Schedule which is based on the South African Veterinary Council Guideline of Fees.
Like most insurance policies there are some exclusions to keep your premiums low. These include: pregnancy, elective procedures, foods/diets, grooming, behavioural problems, tick paralysis, hereditary and congenital defects, and pre-existing conditions that showed clinical signs before taking out the insurance.
An Illness means an unexpected sickness or disease or any change to your pet's normal healthy state, which is not caused by injury to your pet. For example: upset stomach, skin conditions, ear infection.