Home » Pet Insurance »

Kido Pet Insurance

Overall, Kido is a reputable pet insurance provider in South Africa that offers a variety of insurance plans for cats and dogs. The Kido Pet Insurance plans start from R180 per month.

4️⃣ Number of Plans	4
💵 Plans Price Range	R180 – R450
🐶 Species Covered	Cats and Dogs
🐸 Breed Restrictions	None
📈 Sub-limits within the annual maximum cover	✅ Yes
💶 Maximum Limit per claim	R17,500
❤️ Routine Care Benefits	None
🧪 Diagnostic Testing Benefits	None
💊 Medication Benefits	None
🏥 Hospitalization Cover	✅ Yes
💜 Chronic Support Care	None
⚠️ Accidental Cover	✅ Yes
💛 Illness Cover	✅ Yes
🦷 Dental Care	None
🧬 X-rays	None

Kido Pet Insurance – Analysis of Insurers’ Main Features

✅ Kido Pet Insurance Overview
✅ Kido Pet Insurance Plan Options
✅ Kido Must Cover
✅ Kido Best Cover
✅ How to join Kido Pet Insurance
✅ How to claim from Kido Pet Insurance
✅ Kido Exclusions, Restrictions, and Waiting Periods
✅ Kido Customer Reviews
✅ Kido Pet Insurance vs Competitors
✅ Our Verdict on Kido Pet Insurance
✅ Kido Pet Insurance Frequently Asked Questions

Kido Pet Insurance Overview

Kido Pet Insurance is a South African pet insurance company that provides a variety of insurance plans for cats and dogs. The company seeks to provide pet owners peace of mind by providing financial protection against unanticipated veterinary expenses that may arise due to accidents or illnesses.

Kido Pet Insurance provides options for accident-only cover, illness-only cover, and comprehensive cover that includes accidents and illnesses to accommodate various needs and budgets. In addition, their policies cover consultations, diagnostic tests, surgery, hospitalization, medications, and more.

In addition to providing insurance cover, Kido Pet Insurance provides policyholders with additional benefits, such as access to a 24-hour helpline staffed by qualified veterinarians who can provide emergency advice and assistance.

Kido Pet Insurance Plan Options

Kido Must Cover

Kido offers a “must-have” cover that insures pets against accidents that could occur.

🐱 Individual Cover	–
🟥 Monthly Premium	R180 per month
🟧 Number of pets	Only one pet
🟨 Annual Limit per Policy	R16,000 per year
🟩 Sub-limit per Claim Event	R10,000 per claim
🐶 Family Cover	–
🟥 Monthly Premium	R180 per month
🟧 Number of pets	Maximum three
🟨 Annual Limit per Policy	R16,000
🟩 Annual Limit per Insured Pet	R8,000
🟦 Sub-limit per Claim Event	R8,000

Kido Best Cover

The Kido Best Cover offers the best and most comprehensive vet cover for pets in terms of Illness and Accidents. However, this plan does not cover routine care or pre-existing conditions.

🐶 Individual Cover	–
🟥 Monthly Premium	R450 per month
🟧 Number of pets	Only one pet
🟨 Annual Limit per Policy	R35,000 per year
🟩 Sub-limit per Claim Event	R25,000 per claim
🐱 Family Cover	–
🟥 Monthly Premium	R450 per month
🟧 Number of pets	Maximum three
🟨 Annual Limit per Policy	R35,000
🟩 Annual Limit per Insured Pet	R17,500
🟪 Sub-limit per Claim Event	R17,500

How to join Kido Pet Insurance

To become a member of Kido Pet Insurance, visit their website at www.kidopetinsurance.co.za and follow these steps:

✅ On the homepage, click the “Get a Quote” button.
✅ Include your pet’s breed, age, and pre-existing medical conditions in the required fields.
✅ Choose the cover level that best meets your needs.
✅ Examine the quote and policy specifics to ensure they meet your needs.
✅ To finalize the application process, click the “Buy Now” button.
✅ Complete the required fields, including your personal and payment information, to finalize the policy.
✅ After the payment has been processed, you will receive an email confirming your policy.

You can also contact Kido Pet Insurance directly by phone or email to discuss your options and receive help setting up your policy.

How to claim from Kido Pet Insurance

To file a claim with Kido Pet Insurance, please follow these steps:

✅ Download and complete the Kido Pet Insurance claim form from their website or send an email or phone call to receive one.
✅ Collect all the necessary supporting documents, including invoices from the veterinarian, receipts, and medical records.
✅ Send the completed claim form and supporting documents via email or fax.
✅ The Kido Pet Insurance claims team will evaluate your claim and contact you if additional information is required.
✅ Once your claim has been approved, Kido Pet Insurance will reimburse you for covered expenses per your policy’s terms and conditions.

It is important to note that Kido Pet Insurance has a claims limit and exclusions and waiting periods for each policy period. Therefore, it is essential to carefully review your policy’s details to ensure that you comprehend the cover and any restrictions.

Kido Exclusions, Restrictions, and Waiting Periods

Kido Pet Insurance Exclusions and Restrictions

Two main exclusions with Kido Pet Insurance are routine care and pre-existing conditions. In addition, Kido will not cover the following:

Elective or cosmetic procedures are not covered
Bone-related injuries due to giving your pet bones to chew on are not covered
Diseases that can be vaccinated against and require vaccination for cover, where no vaccination history exists, or vaccinations have not been kept up to date
Treatment of tooth root abscess or periodontal disease if the pet is over 5 years old and has not had a dental cleaning within the past 3 years
Costs related to the treatment of a condition similar to a condition that has been excluded from cover
Pica workup and treatment unless a cause unrelated to nutrition is found
Pre-anesthetic blood for pets under 8 years of age and suffering from no other illnesses, as per policy wordings
No cover for transplants, prosthetics, or replacements
Any home visits from a vet and voluntary euthanasia of a healthy pet are not covered
Normal rates apply if a pet is seen during emergency hours for conditions not deemed an emergency
No cover for cremation services above the basic or any post-mortems
No cover for treatment for behavior modification, including training
Pandemic and non-endemic diseases are not covered
Any genetic or chromosome testing is for the pet owner’s account
No cover for pets used for commercial purposes (e.g., police dogs, search & rescue dogs, etc.)
Any costs related to the daily running of a veterinarian practice, such as PPE equipment, waste disposal, etc.
Claims that are not reported within 30 days from the original date of loss are not covered
No cover for the boarding or transport of a pet
If a pet has a history of getting into fights with other dogs and is walked off-leash in public, no cover is provided for vet fees or third-party injuries

Any injury or illness from war activities, riots, strikes, or terrorism is excluded.

Kido Pet Insurance Waiting Periods

Kido Pet Insurance has the following waiting periods that apply:

A basic waiting period of 30 days for all illnesses from the policy inception or the addition of a pet to the Family Care product
For pets under 8 years old, a 3-month waiting period for musculoskeletal conditions, growths, hereditary, congenital, and breed-related conditions is waived if a pet has seen a veterinarian within this period without any of these conditions noted
For pets over 8 years old or with no clinical history (e.g., rescue or rehomed pets), a 1-year waiting period for musculoskeletal conditions, growths, hereditary, congenital, breed, and age-related conditions is waived if a pet has seen a veterinarian within this period without any of these conditions noted. In addition, blood tests must be done to rule out any illnesses.

There is no waiting period for accident cover, except for musculoskeletal conditions, 3 months. Waived if a pet has seen a veterinarian within this period with no musculoskeletal conditions noted.

Kido Customer Reviews

Remarkable.

Kido insurance has left a remarkable impression. Within an hour of submitting our claim, we received a personalized response that confirmed payment within 2-3 days and conveyed heartfelt wishes for our dog’s recovery from his bee sting incident. Having switched from a different pet medical aid, I can confidently assert that Kido is unparalleled in every aspect. We extend our gratitude to Kido for their exceptional service. – Yolandi Mnguni

Affordable Pet Insurance.

We highly recommend Kido’s affordable pet insurance, with all email correspondence promptly addressed within 24 hours. Pet owners who prioritize the well-being of their furry companions will find Kido’s offerings exceptional. – Ronald Theron

Excellent Customer Support.

Kido’s pet insurance is accessible and reasonably priced, complemented by its excellent customer service. We highly recommend Kido to all pet owners. – Brett Vorster

Kido Pet Insurance vs Competitors

🔎 Pet Insurance Plan	🥇 Kido Pet insurance	🥈 Oneplan Pet Insurance	🥉 Sanlam Reality Pet Insurance
📌 Years in Operation	Unknown	4 years	105 years
📍 Trust Rating	3.9/5	4.4/5	3.9/5
👥 Customer Reviews	15	10,800+	4,000+
🔟 Number of Plans	4	4	1
💶 Plans Price Range	R180 – R450	R80 – R430 p/m	R500 excess
🐁 Species Covered	Cats and Dogs	Cats and Dogs	Cats and Dogs
🐸 Breed Restrictions	None	None	None
📈 Sub-limits	✅ Yes	✅ Yes	None
📊 Maximum Limit per claim	R17,500	Depends on the plan and claim	R5,000 per year
❤️ Routine Care	None	☑️ Yes	☑️ Yes
↪️ Diagnostic Testing	None	✅ Yes	✅ Yes
💊 Medication	None	☑️ Yes	☑️ Yes
🏥 Hospitalization Cover	✅ Yes	✅ Yes	✅ Yes
💙 Chronic Support Care	None	☑️ Yes	☑️ Yes
⚠️ Accidental Cover	✅ Yes	✅ Yes	✅ Yes
💚 Illness Cover	☑️ Yes	☑️ Yes	☑️ Yes
🦷 Dental Care	None	✅ Yes	✅ Yes
💛 X-rays	None	☑️ Yes	☑️ Yes

Our Verdict on Kido Pet Insurance

Overall, Kido Pet Insurance is a reputable pet insurance provider in South Africa. They offer various cover options, including accident-only, illness, and comprehensive cover for cats and dogs. Kido Pet Insurance’s policies cover a range of veterinary expenses, including consultations, diagnostic tests, surgery, hospitalization, medication, and more.

Kido Pet Insurance provides additional benefits, such as access to a 24-hour helpline staffed by qualified veterinarians who can advise and assist in an emergency. However, there are certain exclusions, waiting periods, and limitations to cover that potential policyholders should be aware of.

The company is known for providing exceptional customer service, with prompt responses to inquiries and efficient claims handling. They have received positive reviews from satisfied customers who appreciate their personalized approach and attention to detail.

Kido Pet Insurance Frequently Asked Questions

What does Kido Pet Insurance cover for puppies?

Kido Pet Insurance covers various issues puppies may face, including accidents and illnesses.

Can I get affordable pet insurance for my senior dog with Kido?

Yes, Kido Pet Insurance offers coverage for senior dogs at an affordable rate. They understand that older dogs may have more health issues and need more care, so they offer comprehensive coverage options to help offset the cost of veterinary care.

Does Kido Pet Insurance cover chronic illnesses in cats?

No, Kido Pet Insurance does not cover chronic illnesses in cats, such as diabetes, kidney disease, or cancer.

Is dental care covered under Kido Pet Insurance?

No, Kido Pet Insurance does not cover dental care for pets.

Can I get pet insurance for my exotic pet with Kido?

No, Kido Pet Insurance offers cover for exotic pets such as birds, rodents, or reptiles.

Adriaan Schoeman

Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.