Paw Paw Pet Insurance
Overall, Paw Paw Pet is a reputable pet insurance provider in South Africa that cover annual check-ups and a healthcare line for both cats and dogs. The Paw Paw Pet Health Insurance plans start from R70 per month.
| 🔎 Company Name | 🥇 Paw Paw Pets |
| 📌 Founded | 2018 |
| 📍 FSP License Number | FSP 44387 (P.UMA – Pet Underwriting Managing Agency Pty ltd) |
| ☑️ Headquartered | Cape Town, South Africa |
| ✅ Administered By | P.UMA (Pty) Ltd |
| 3️⃣ Number of Plans | 3 |
| 💵 Plans Price Range | R70 – R330 |
| 🐸 Species Covered | Cats and Dogs |
| 🙈 Breed Restrictions | None |
| 📈 Sub-limits within the annual maximum cover | ☑️ Yes |
| 📉 Maximum Limit per claim | Depends on the option and premium plan |
| 📊 Routine Care Benefits | None |
| 📌 Diagnostic Testing Benefits | ☑️ Yes |
| 💊 Medication Benefits | ☑️ Yes |
| 🏥 Hospitalization Cover | ☑️ Yes |
| 🚑 Chronic Support Care | ☑️ Yes |
| ⚠️ Accidental Cover | ☑️ Yes |
| 💙 Illness Cover | ☑️ Yes |
| 🦷 Dental Care | Only Teeth Cleaning |
| ❎ X-rays | ☑️ Yes |
Paw Paw Pets Health Insurance – 12 Key Point Quick Overview
- ☑️ Paw Paw Pets Overview
- ☑️ Paw Paw Pets Plan Options
- ☑️ Paw Paw Accident Plan
- ☑️ Paw Paw Comprehensive Plan
- ☑️ Paw Paw Pets Features and Additional Benefits
- ☑️ How to join Paw Paw Pets
- ☑️ How to claim from Paw Paw Pets
- ☑️ Paw Paw Pets Exclusions
- ☑️ Paw Paw Pets Customer Reviews
- ☑️ Paw Paw Pets Pet Insurance vs Competitors
- ☑️ Our Verdict on Paw Paw Pets
- ☑️ Paw Paw Pets Frequently Asked Questions
Paw Paw Pets Overview
Paw Paw Pet Insurance is a type of insurance that provides cover for veterinary expenses related to the treatment and care of pets. This insurance is designed to help pet owners manage the costs of unexpected illnesses or injuries that their pets may experience. Paw Paw Pet Insurance covers veterinary expenses, including diagnostic tests, surgeries, medications, and hospitalizations. The cover may also include preventive care, such as vaccinations, wellness exams, and dental cleanings, depending on the policy.
Paw Paw Pets Plan Options
⬛ Paw Paw Accident Plan
Accident 10 Plan
| 💴 Monthly Premium | R70 per month |
| 💵 Annual Limit | R10,000 per policy annually |
| 🍼 Age Limit at Policy Start | 8 weeks+ |
| 📈 Excess | 15% excess (minimum R250 per claim) |
| ⛔ Waiting Period | None |
Accident 20 Plan
| 💴 Monthly Premium | R140 per month |
| 💵 Annual Limit | R20,000 per policy annually |
| 🍼 Age Limit at Policy Start | 8 weeks+ |
| 📈 Excess | 15% excess (minimum R250 per claim) |
| ⛔ Waiting Period | None |
Paw Paw Pet Insurance provides cover for unforeseen incidents or injuries for your pet, including:
- Motor vehicle accidents
- Burns or electrocution
- Falls from elevated positions
- Near drowning incidents
- Actions of other animals, such as fights
- Swallowing foreign objects requiring surgical or endoscopic removal
- Snake bites
- Allergic reactions to insect bites (excluding tick or flea bites)
- Biliary as an accident
- Poisoning
The cover also includes the following:
- Fractured bones
- Traumatic ligament or tendon injuries
- Lacerations, abrasions, or wounds
- Gastric torsion (Gastric dilation volvulus)
Furthermore, a diagnosis must be made within 48 hours of the accident to be covered as an accidental injury.
Paw Paw Comprehensive Plan
Paw Paw Comprehensive Plan Features
- Paw Paw Pet Insurance has no annual limit on the cover.
- Pets must be between 8 weeks and 8 years old to be eligible for coverage.
- The general waiting period of 30 days from the start date of the policy.
- Accidental injuries are covered from the date of inception.
- No breed-related conditions are excluded.
- Claims are processed within 72 hours, and payments can be made directly to the vet or policyholder as required.
- Pets under 4 years old are eligible for a 10% discount.
- Pets over 4 years old have a 50% co-insurance period for the first six months for all treatments, diagnostics, and surgeries related to hips, knees, elbows, shoulders, spine, eyes, nictitating membranes, and the urinary bladder system.
- Pre-authorizations for non-emergency treatments help prevent unexpected shortfalls; without pre-approval, excess will carry an additional 20%, with a minimum of R500.00 for each unauthorized claim.
Paw Paw Comprehensive Plan Premium Options
| 🅰️ Option A | 🅰️ Overview |
| ☑️ Premium | R299 per dog
R240 per cat |
| ☑️ Excess | 15%, minimum R500 per claim |
| ☑️ Additional MRI/CT scans | Claims carry an excess of R1,000 per scan. |
| ☑️ Unauthorized Claim Conditions | Unauthorized claims have a 20% excess, minimum of R500 per unauthorized claim. |
| 🅱️ Option B | 🅱️ Overview |
| ☑️ Premium | R330 per dog
R260 per cat |
| ☑️ Excess | 15%, minimum R250 per claim. |
| ☑️ Gastro-intestinal conditions | 15% excess, minimum R500 per claim. |
| ☑️ Unauthorized Claim Conditions | Unauthorized claims have a 20% excess, minimum of R500 per unauthorized claim. |
| ❤️ Option C | ❤️ Overview |
| ☑️ Premium | R275 per dog
R215 per cat |
| ☑️ Excess | Flat excess of R1,000 per claim. |
| ☑️ Additional MRI/CT scans | Claims carry an excess of R1,000 per scan. |
| ☑️ Unauthorized Claim Conditions | Unauthorized claims have a 20% excess, minimum of R500 per unauthorized claim. |
Paw Paw Pet Insurance covers treatment for acute illness and injury, which includes, but is not limited to:
- Consultations
- Medications
- Diagnostic investigations
- Surgery
- Pathology
- Radiology
- The chronic cover is available with pre-authorization and clinical treatment protocol, with an additional premium and monthly subsidy.
- Hereditary conditions are covered as long as they are not pre-existing.
- Supportive rehabilitation (post-surgery only) is covered subject to pre-approval and treatment protocols.
- To qualify for rehabilitation treatment, it must commence within 2 weeks of orthopedic surgery and will be limited to a maximum of 6 treatment sessions, not extending beyond 2 months after the surgery date.
Paw Paw Pets Features and Additional Benefits
The Lifestyle benefit of Paw Paw Pet Insurance pays up to a maximum of R1000.00 per policy year towards the costs of:
- ☑️ An annual health check
- ☑️ Socialisation classes
- ☑️ Cremation and return of ashes
- ☑️ Sterilization
- ☑️ Vaccination
- ☑️ Deworming
- ☑️ Tick and flea control
- ☑️ Teeth cleaning
- ☑️ Spas and grooming
- ☑️ Doggy daycare
- ☑️ The Tame Pet App STD Package is included, offering chats with a vet within operating hours (9 am – 9 pm daily) and includes:
- ☑️ 2 x instant video call consults per month
- ☑️ 2 x chats include messaging, uploading photos and videos, and sharing your pet profile.
- ☑️ Instant video calls have a maximum waiting time of 5 minutes.
How to join Paw Paw Pets
To join Paw Paw Pet Insurance, follow these steps:
- ✅ Visit the Paw Paw Pet Insurance website.
- ✅ Click the “Get a Quote” or “Get Started” button.
- ✅ Fill in the required information, including your details and information about your pet.
- ✅ Select the type of cover you want, such as accident and illness or accident-only cover.
- ✅ Choose your excess amount and cover limits.
- ✅ Review the policy details and pricing.
- ✅ Click on “Buy Now” or “Apply Now” to purchase.
- ✅ Complete the application process by providing any additional required information and payment details.
- ✅ Once your application is approved, you will receive confirmation of your cover and policy documents.
- ✅ Begin using your Paw Paw Pet Insurance cover to cover your pet’s healthcare needs.
How to claim from Paw Paw Pets
Policyholders can claim from Paw Paw Pets by following these easy steps:
- ☑️ Contact your veterinarian for a detailed invoice outlining the treatments, procedures, medications, and other services provided to your pet.
- ☑️ Complete the claim form, which can be downloaded from the Paw Paw Pet Insurance website or obtained by calling their customer service department.
- ☑️ Provide all necessary supporting documentation, including the detailed invoice from your veterinarian and any other relevant medical records or reports.
- ☑️ Submit the completed claim form and supporting documentation to Paw Paw Pet Insurance via email, fax, or mail.
- ☑️ Wait for your claim to be processed. Claims are typically processed within 72 hours.
- ☑️ If your claim is approved, payment will be made directly to your veterinarian or you, depending on your preference and the payment method you selected when enrolling in Paw Paw Pet Insurance.
Paw Paw Pets Exclusions
Accident Plan exclusions
Paw Paw Pet Insurance does not cover the following:
- Sickness, disease, infection, or any health changes not caused by an accidental injury.
- Invoices submitted more than 60 days after the last treatment date.
- Treatments for injuries incurred outside of the Republic of South Africa.
- Treatment by persons not registered with the South African Veterinary Council.
- Allergic reactions to vaccines or medications.
- Surgical items that can be reused (non-chargeable items).
- Costs of any prosthesis, implants, or transplantation.
- Injuries caused by negligence.
- Any abuse will be reported to the SPCA by P.UMA.
Comprehensive Plan exclusions
Paw Paw Pet Insurance does not cover the following:
- Pre-existing conditions.
- Any conditions that arise during any waiting period or condition-specific waiting period.
- Boarding kennels and catteries.
- Routine care, including deworming, vaccinations, grooming, flea/tick treatment, prescription diets, etc.
- Any treatments concerning pregnancy, birthing, fertility, and breeding, including any complications.
- Sterilization, artificial insemination, and injuries resulting from breeding.
- Alternative treatments not recognized by mainstream veterinary science, including but not limited to acupuncture, physiotherapy, and homeopathy.
- Hydrotherapy and rehabilitation care are not mentioned in the policy wording.
Paw Paw Pets Customer Reviews
Exceeds Expectations.
I would like to thank Paw Paw for consistently exceeding my expectations. It is an absolute pleasure to do business with such a reputable company. I am confident that my beloved pet will always receive the best possible care due to my choice of Paw Paw as my primary pet insurer. – Lloyd Walker
First Choice!
Following extensive research into various pet insurance providers, I chose Paw Paw due to their no-exclusion policy. In addition, unlike many other insurance providers, Paw Paw does not impose hereditary exclusions and offers competitive annual cover limits. – Sandra Mncube
Top-tier, No-nonsense Pet Insurance.
Paw Paw offers a top-tier, no-nonsense pet insurance product that outperforms its competitors. I would advise anyone considering other insurance providers to carefully scrutinize their fine print, assuming they can even procure a policy schedule before enrolling. Unlike many competitors, Paw Paw promptly and transparently supplied me with a comprehensive policy schedule. Furthermore, after filing a recent claim, I was quickly refunded without any undue hassle or delays. – Melanie Wolmarans
Paw Paw Pets Pet Insurance vs Competitors
| 🔎 Pet Insurance | 🥇 Paw Paw Pets Pet Insurance | 🥈 MediPet Pet Insurance | 🥉 OUTsurance Pet Insurance |
| 📌 Years in Operation | 5 years | 16 years | 25 years |
| 📍 Trust Rating | 4.5/5 | 4.9/5 | 4.2/5 |
| 🤝 Customer Reviews | 15+ | 100+ | 20+ |
| 🔟 Number of Plans | 3 | 4 | 4 |
| 💵 Plans Price Range | R70 – 330 p/m | R321 – R567 p/m | Flexible |
| 🐸 Species Covered | Cats and Dogs | Cats and Dogs | Cats and Dogs |
Our Verdict on Paw Paw Pets
Paw Paw Pet Insurance is a comprehensive product designed to provide pet owners with peace of mind and financial protection in unexpected illness or injury. The cover includes various veterinary expenses, such as diagnostic tests, surgeries, medications, and hospitalizations. Additionally, preventive care such as vaccinations, wellness exams, and dental cleanings can be included in the cover. Paw Paw Pet Insurance has several notable benefits, such as no annual limit on the cover, no breed-related conditions excluded, and quick claims processing within 72 hours.
The Lifestyle benefit also covers several services, including an annual health check, socialization classes, and cremation and return of ashes. However, there are some drawbacks to consider when choosing Paw Paw Pet Insurance. For example, the policy does not cover pre-existing conditions or routine care, and there are limitations on cover for pets over 4 years old.
Additionally, certain treatments have specific waiting periods and conditions, and the policy may not cover all alternative treatments. However, despite these drawbacks, Paw Paw Pet Insurance is an excellent option for pet owners who want to ensure their pets receive the best possible care without worrying about the high cost of veterinary expenses.
You might like to read more about Pet Insurance and Pet Insurance Schemes in South Africa:
Frequently Asked Questions
What is Paw Paw Pet Insurance?
Paw Paw Pet Insurance is a pet insurance product that provides comprehensive pet coverage in South Africa.
Does Paw Paw Pet Insurance cover routine care for pets?
Yes, Paw Paw Pet Insurance covers routine pet care, including vaccinations, deworming, and tick and flea control.
What are the lifestyle benefits for pets with Paw Paw Pet Insurance?
The lifestyle benefits for pets with Paw Paw Pet Insurance include cover for annual health checks, socialization classes, cremation and return of ashes, sterilization, and more.
How does the claims process work for Paw Paw pet insurance?
The claims process for Paw Paw pet insurance is straightforward and user-friendly. Here are the general steps involved:
- Take your pet to a licensed veterinarian: If your pet is ill or injured, take them to a licensed veterinarian for treatment.
- Pay for the treatment: Pay for the treatment and get an itemized invoice that shows the diagnosis, treatments, and costs.
- Submit a claim: Log in to your Paw Paw pet insurance account or use the Paw Paw mobile app to submit a claim. You will need to upload the itemized invoice and any other required documents.
- Wait for processing: Once you submit a claim, it will be reviewed by a Paw Paw claims adjuster, who will determine if the treatment is covered by your policy.
- Receive reimbursement: If the claim is approved, you will receive reimbursement for the covered amount. You can choose to have the reimbursement deposited directly into your bank account or mailed to you in the form of a check.
Does Paw Paw pet insurance policies cover pre-existing conditions?
No, Paw Paw pet insurance does not cover pre-existing conditions. A pre-existing condition is any illness, injury, or symptom that occurred or existed in any form prior to the effective date of the policy or during the waiting period.
Paw Paw, like many other pet insurance providers, excludes pre-existing conditions from coverage. This means that if your pet has a pre-existing condition before you enroll in Paw Paw, any related treatment or condition will not be covered by your policy.
It’s important to note that if your pet has a pre-existing condition, it may be difficult to find coverage for that specific condition through any pet insurance provider. However, Paw Paw may still cover unrelated conditions or new injuries that occur after the waiting period has ended, depending on the policy terms and conditions.
