Best Pet Insurances That Cover Surgery

 

Veterinary surgeries can be expensive, and having the appropriate insurance can provide peace of mind, knowing that your pet is protected in case of accidents, illnesses, or other medical conditions requiring surgical intervention.

 

This guide explores the best pet insurance options in South Africa that cover surgeries, helping you make an informed decision to safeguard your pet’s health and well-being. You will learn:

 

• ✅ The importance of surgical cover for pets
• ✅ Common surgical procedures for pets
• ✅ The financial impact of pet surgeries without insurance
• ✅ The 5 best pet insurances that cover surgery
• ✅ The most frequently asked questions about pet insurances that cover surgery

 

Read on to learn more about getting cover for surgery for your pet.

 

 

 

Importance of Surgical Coverage for Pets

 

🐶 Surgical coverage for pets is an essential aspect of pet insurance that ensures pet owners can provide necessary medical care without the burden of excessive costs. Pets, like humans, can suffer from a range of health issues that may require surgery, such as injuries from accidents, tumours, or hereditary conditions.

 

🐶 Without insurance, these procedures can be prohibitively expensive, potentially leading to difficult decisions about a pet’s health based on financial constraints.

 

🐶 Having comprehensive surgical coverage allows pet owners to focus on their pet’s well-being rather than the cost, and be sure that their pets receive timely and appropriate medical interventions.

 

 

Common Surgical Procedures for Pets

 

Pets often require surgery for a variety of medical conditions. Common surgical procedures include spaying and neutering, which are routine surgeries to prevent unwanted litters and reduce the risk of certain cancers.

 

Orthopaedic surgeries are also frequent, addressing issues such as broken bones, hip dysplasia, and ligament tears.

 

Many pets may also need tumour removals, dental surgeries, or emergency surgeries due to accidents or sudden illnesses.

 

Each of these procedures can significantly improve a pet’s quality of life and longevity, highlighting the necessity of having insurance coverage that includes these types of surgeries.

 

 

The Financial Impact of Pet Surgeries Without Insurance

 

🐶 The financial burden of pet surgeries without insurance can be overwhelming for many pet owners. Veterinary surgeries can range from a few thousand to tens of thousands of rand, depending on the complexity of the procedure and the post-operative care required.

 

🐶 For instance, a simple surgery like spaying or neutering may cost several hundred rand, while more complex surgeries such as orthopaedic repairs or cancer treatments can escalate into the thousands.

 

🐶 Without insurance, these costs must be paid out-of-pocket, which can stretch household budgets and potentially limit the care that pets receive. This financial strain can lead to heartbreaking situations where pet owners might have to choose between their pet’s health and their financial stability.

 

🐶 Pet insurance with surgical coverage lowers these risks, providing peace of mind and ensuring pets can access necessary medical treatments without imposing financial hardship on their owners.

 

 

📢 Complete below form and get a no obligation OnePlan Pet Insurance quote.

 

 

 

The 5 best pet insurances that cover surgery

 

Read on as we unpack the 5 best pet insurances that cover surgery for your beloved furry friend.

 

 

Dotsure

 

 

Dotsure Pet Insurance is a leading provider in South Africa, offering a range of comprehensive plans that include coverage for surgeries.

 

This allows pet owners to be sure their pets receive the necessary medical care without worrying about prohibitive expenses. Dotsure’s plans meet different needs and budgets, providing flexibility and extensive coverage to meet the diverse requirements of pet owners.

 

 

📌 Superior Plan

 

The Superior Plan from Dotsure is one of the most comprehensive offerings, providing extensive cover for a wide range of surgical procedures. This plan includes coverage for both emergency and elective surgeries, ensuring that pets are protected in various situations.

 

 

📌 Standard Plan

 

Dotsure’s Standard Plan also provides substantial coverage for pet surgeries, although it is slightly less comprehensive than the Superior Plan. This plan includes cover for essential surgical procedures that pets may require, such as those resulting from accidents or common health issues.

 

 

📌 Basic Plan

 

The Basic Plan offered by Dotsure includes coverage for essential surgeries, focusing on providing critical support for major surgical needs. This plan is designed for pet owners looking for essential coverage at a more affordable rate.

 

 

What is the monthly premium for the Dotsure Plans?

 

The prices vary depending on the plans provided. For example, the Ultimate Plan is R1,199 per month, whereas basic accident coverage is R85.

 

 

What Is the Waiting Period for Dotsure Benefits?

 

• ✔️ Insurance typically pays out 24 hours after an accident.

 

• ✔️ Most illnesses require a 14-day waiting period.

 

• ✔️ It normally takes 30 days to cover regular and preventative medical treatment from when the coverage is first activated.

 

 

How to Claim for Dotsure Pet Insurance Benefits

 

• ✅ Dotsure should be notified of the claim as soon as possible after the incident or illness occurs. The majority of members utilise their phone, website, or app to accomplish this.

 

• ✅ It is vital to include all care and spending records. Medical records and expenses from the veterinarian are included.

 

• ✅ Submit your claim and any supporting paperwork on the website or by email. Dotsure provides digital submission options to accelerate processing.

 

• ✅ Dotsure will investigate if your claim complies with the policy. They may request additional information if necessary.

 

• ✅ Dotsure will reimburse you in accordance with your insurance coverage after your claim has been approved. Repayment is typically made by bank transfer.

 

 

Dotsure Pet Insurance Contact Details

117a York St

George Central

George

6530

 

 

OnePlan

 

 

OnePlan Pet Insurance recognizes the financial strain that surgical procedures can place on pet owners, and thus offers plans designed to alleviate these costs. By including surgical coverage in their plans, OnePlan provides peace of mind to pet owners, allowing them to focus on their pets’ health and recovery.

 

 

📌 Pet Classic

 

The OnePlan Pet Classic plan is a mid-tier option that includes coverage for various surgical procedures. This plan is designed to cover essential surgeries, including those arising from accidents and common health conditions.

 

 

📌 Pet Super Plan

 

The OnePlan Pet Super Plan is the most comprehensive offering, providing extensive cover for a wide range of surgical procedures. This plan includes coverage for both emergency and elective surgeries, ensuring pets are protected in diverse situations.

 

 

📌 Pet Hospital Plan

 

The OnePlan Pet Hospital Plan focuses on covering surgeries and other major medical treatments that require hospitalization. The Hospital Plan provides financial support for surgical procedures, inpatient care, and associated treatments, helping to manage the high costs of veterinary care.

 

 

What is the monthly premium for the plans from OnePlan?

 

OnePlan’s monthly fees range from R80 to R430, depending on the plan or policy.

 

 

What Is the Waiting Period for OnePlan Pet Insurance Benefits?

 

• ✔️ Once your coverage begins, you have to wait 14 days to file a claim for an unintended or accidental injury.
• ✔️ The waiting time for illness claims is 30 days.
• ✔️ Pre-existing condition claims are subject to a 12-month waiting period.

 

 

How to Claim for OnePlan Pet Insurance Benefits

 

• ✅ The claim notice should be sent to OnePlan. Usually, you can submit your claim through their mobile app or website. Do not visit the veterinarian until your claim is submitted.

 

• ✅ Visit your veterinarian after advising OnePlan of any health concerns.

 

• ✅ The veterinarian can be paid directly with your OnePlan Card. OnePlan loads the card with money based on your plan permissions. Any expenses that exceed the agreed-upon amount are your responsibility.

 

• ✅ Submit the veterinarian’s invoice and medical report online or via the OnePlan app.

 

• ✅ In the case that reasonable costs exceed the pre-loaded sum, provide the relevant documents for reimbursement.

 

• ✅ Once all requirements are met, OnePlan processes claims fast.

 

 

OnePlan Pet Insurance Contact Details **

163 5th Street Nelson Mandela Square

South Tower 2nd Floor

Sandton

Sandown

Johannesburg

2196

 

 

Medipet

 

 

Understanding the high costs associated with veterinary surgeries, Medipet provides robust coverage to ensure pets receive the necessary medical care without causing financial stress to their owners.. Medipet’s commitment to comprehensive coverage makes it a reliable choice for pet owners looking to safeguard their pets’ health.

 

 

📌 Essential Plan

 

The Medipet Essential Plan provides fundamental coverage for various surgical procedures. The Essential Plan includes coverage for pre- and post-operative care, consultations, diagnostic tests, and necessary medications, ensuring pets receive comprehensive medical attention without imposing significant financial burdens on their owners.

 

 

📌 Ultimate Plan

 

The Medipet Ultimate Plan is the most comprehensive offering, providing maximum coverage for all types of surgical procedures. This plan includes coverage for emergency surgeries, elective procedures, and complex surgeries, ensuring pets receive the highest level of medical care.

 

 

What is the monthly premium for the plans from Medipet?

 

Medipet offers customised plans; check their website for an estimate.

 

 

What Is the Waiting Period for Medipet Insurance Benefits?

 

• ✔️ Illness-related claims are accepted 30 days after the insurance is issued.

 

• ✔️ There is immediate coverage for accidental injuries. This includes falls from heights, burns, and automobile accidents.

 

• ✔️ Major treatments such as hip and knee replacements, elbow and shoulder therapy, eye care, respiratory system, and spine have a six-month waiting period.

 

• ✔️ During the waiting period, MediPet covers specific diagnostic tests for certain illnesses.

 

 

How to Claim for Medipet Insurance Benefits

 

• ✅ After your pet has been treated, get all of their medical records. All receipts and veterinarian reports must be provided.

 

• ✅ Fill out the MediPet Claim Form. You can complete this form online at MediPet. Obtain precise and complete information to avoid delays.

 

• ✅ Send the claim form together with any relevant documentation. Payment for submitted claims may be withheld after 60 days of treatment.

 

• ✅ MediPet reviews your claim once it is submitted. They review the material and calculate the amount of reimbursement based on your excess and policy.

 

• ✅ If your claim is approved, MediPet will return the funds to your bank account or the veterinarian, depending on your wishes and MediPet arrangements.

 

• ✅ MediPet may contact you regarding information or claims errors. Check for MediPet alerts using the contact information provided on your claim form.

 

 

Medipet Insurance Contact Details

Unit 4 Silverwood Cl

Tokai

Cape Town

7945

 

 

1^st For Women

 

 

1st For Women provides plans that help alleviate the costs of surgeries, ensuring that pets can receive the necessary medical care .Their plans are designed to offer extensive coverage for surgeries, addressing the diverse needs of pet owners and their furry companions.

 

 

📌 Fur Baby Basic Plan

 

The Fur Baby Basic Plan covers surgeries and hospitalizations resulting from accidents, with an overall annual limit of R10,000. This plan is ideal for pets in their later years or those primarily needing accident coverage.

 

 

📌 Hospital Plan

 

The Hospital Plan provides extensive surgical coverage with an overall annual limit of R30,000 and R20,000 per event. It includes coverage for both accidents and illnesses, helping to manage higher veterinary bills for significant medical interventions.

 

 

📌 Top to Tail Classic Plan

 

The Top to Tail Classic Plan offers comprehensive coverage for surgeries, hospitalizations, routine care, and more, with an annual limit of R45,000. This plan provides R30,000 per year for surgeries and hospitalization, along with additional benefits like routine care and vet check-ups.

 

 

📌 Premium Paws Plan

 

The Premium Paws Plan is the most comprehensive, offering an annual limit of R65,000. It includes coverage for surgeries and hospitalizations up to R50,000 per year, as well as extensive routine care, diagnostic scans, and higher limits on minor care and third-party liability.

 

 

What is the monthly premium for the 1^st For Women pet insurance plans?

 

Monthly premiums for 1st For Women pet insurance policies range from R100 to R370 or more, depending on the coverage.

 

 

What Is the Waiting Period for 1^st For Women Pet Insurance Benefits?

 

• ✔️ Coverage for accidents begins on the day the policy is issued.

 

• ✔️ Following a 30-day wait, illness coverage starts.

 

• ✔️ Similar to illness cover, there is a 30-day wait for routine and wellness care.

 

• ✔️ It usually takes 30 days for diagnostics, minor care, and third-party liability.

 

• ✔️ Natural death coverage is subject to a six-month waiting period.

 

• ✔️ A year is required for coverage of congenital and inherited diseases.

 

 

How to Claim for 1^st For Women Pet Insurance Benefits

 

• ✅ Notify 1st For Women of the incident or treatment as soon as possible. This is essential for therapies that need prior authorization.

 

• ✅ Gather all of your therapy’s related medical records. Medical records, veterinary bills, and further supporting documentation are included.

 

• ✅ The 1st For Women claim form must be completed. Give precise and thorough information to avoid delays.

 

• ✅ Send the claim form to 1st For Women along with any supporting evidence. Usually, members use email or their web portal.

 

• ✅ 1st For Women will review the information and supplementary materials after receiving your claim. You or your veterinarian may be asked for more information.

 

• ✅ 1st For Women will decide whether to accept or reject the claim depending on the policy. Following clearance, they will reimburse in line with the policy.

 

• ✅ If your claim is denied or has issues, you have the option to request a review or provide more supporting documentation.

 

 

1^st For Women Pet Insurance Contact Details

Auto & General Park

1 Telesure Lane

Riverglen, Dainfern

2191

 

 

PawPaw Pet Insurance

 

 

PawPaw Pet Insurance offers several plans designed to cover the costs of surgical procedures for pets. These plans provide extensive coverage for surgeries resulting from accidents and illnesses, including hospital stays and related treatments.

 

 

📌 Comprehensive Plan

 

The Comprehensive Plan from PawPaw offers unlimited coverage for surgeries and hospitalizations with no annual or per-claim limits. This plan includes coverage for both accidents and illnesses, ensuring pets are well-protected in various medical scenarios. The plan also covers pre- and post-operative care, consultations, diagnostic tests, and medications.

 

 

📌 Smart Plan

 

The Smart Plan provides substantial coverage for surgical procedures with an annual limit of R30,000 and specific per-claim limits. This plan covers surgeries resulting from both accidents and illnesses, providing financial assistance for the associated costs. The Smart Plan also includes coverage for hospital stays, necessary follow-up treatments, and related medical expenses.

 

 

📌 Accident Plan 10 & 20

 

The Accident Plan 10 and Accident Plan 20 offer targeted coverage for surgeries resulting from accidents, with annual limits of R10,000 and R20,000 respectively. These plans ensure that pets receive necessary surgical interventions in the event of accidental injuries, covering the primary costs associated with such procedures. Both plans include hospital stays and follow-up treatments related to accidents, providing essential financial support for unexpected medical needs.

 

 

What is the monthly premium for the PawPaw pet insurance plans?

 

Depending on the plan and coverage, PawPaw pet insurance can cost anywhere from R70 to R137 a month or more.

 

 

What Is the Waiting Period for PawPaw Pet Insurance Benefits?

 

• ✔️ Accident coverage usually starts immediately.
• ✔️ There is a 30-day waiting period for illnesses.

 

 

How to Claim for PawPaw Pet Insurance Benefits

 

• ✅ After downloading the PawPaw online claim form, complete it. Information about the treatment and costs must be provided on this form.

 

• ✅ Fill out the online claim form and send an email with the required attachments to [email protected].

 

• ✅ Once you’ve submitted your claim, keep track of its progress. If you would like your claim to be processed more quickly, get in contact with PawPaw if it is presently in the pending or review queue.

 

• ✅ For some operations, PawPaw may require pre-authorization in order to ensure coverage. This is typical of expensive, non-emergency treatments.

 

 

PawPaw Pet Insurance Contact Details

29th Floor

The Box

9 Lower Burg St

Cape Town City Centre

Cape Town

8001

 

 

 

 

Frequently Asked Questions

 

What types of surgeries are typically covered by pet insurance in South Africa?

Pet insurance plans in South Africa usually cover surgeries resulting from accidents, illnesses, and hereditary conditions. This includes routine procedures like spaying and neutering, emergency surgeries for injuries, and operations for health conditions like tumours or orthopaedic issues.

 

 

Are pre-existing conditions covered by pet insurance for surgeries?

Most pet insurance providers do not cover pre-existing conditions, which are health issues that existed before the policy was taken out. It’s important to check each provider’s terms and conditions for specific details.

 

 

How do pet insurance claims work for surgical procedures?

After a covered surgical procedure, pet owners typically need to submit a claim form along with the vet’s bill and medical records. The insurance company will review the claim and reimburse the eligible expenses according to the policy terms.

 

 

Are there waiting periods for surgical coverage in pet insurance plans?

✅ Yes, most pet insurance plans have waiting periods for surgical coverage, which is the time you must wait after purchasing the policy before coverage begins. These periods can vary, so it’s important to check with each provider.

 

 

How can I find the best pet insurance plan for surgical coverage?

To find the best pet insurance plan for surgical coverage, compare different providers based on coverage limits, exclusions, premiums, and the claim process. Reading reviews and getting recommendations from other pet owners can also be helpful.

 

☑️ READ more about Pet Insurance that cover Vet visits