Paw Paw Pet Insurance (🇿🇦  2025*)

  Overall, Paw Paw Pet is a reputable pet insurance provider in South Africa that provide 4 pet insurance plans  annual check-ups and a healthcare line for both cats and dogs. The Paw Paw Pet Accident plan 10 plan start from R76 per month.        

Paw Paw Pets Health Insurance - 12 Key Point Quick Overview

 

1. ☑️ Paw Paw Pets Overview
2. ☑️ Paw Paw Pets Plan Options
3. ☑️ Paw Paw Accident Plan
4. ☑️ Paw Paw Comprehensive Plan
5. ☑️ Paw Paw Pets Features and Additional Benefits
6. ☑️ How to join Paw Paw Pets
7. ☑️ How to claim from Paw Paw Pets
8. ☑️ Paw Paw Pets Exclusions
9. ☑️ Paw Paw Pets Customer Reviews
10. ☑️ Paw Paw Pets Pet Insurance vs Competitors
11. ☑️ Our Verdict on Paw Paw Pets
12. ☑️ 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     Accident 20 Plan     👉🏿 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)
• ☑️ 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

  💙 The comprehensive options (Platinum, Gold & Silver) provide the same level of cover across the board, the only difference between the options is the excess options chosen by the client, which would in turn only affect the premium and not the level of cover provided.   Paw Paw Comprehensive Plan Features  

• ☑️ No overall annual limit
• ☑️ Use any vet.
• ☑️ 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.
• ☑️Accidents: 2-Day waiting period from start date of policy.
• ☑️ 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.
• ☑️ Payments: Can be reimbursed to policy holder, or paid to your vet directly by arrangement. With pre-authorization, we can pay for larger cost events, directly and upfront to your vet.

 

What your pet is covered for?

 

• ☑️ Consultations
• ☑️ Diagnostics
  • Radiology • Blood tests • Biopsies and more
• ☑️ Surgery
• ☑️ Radiation / Chemotherapy
• ☑️ Hereditary conditions
• ☑️ Post-operative rehabilitation*
• ☑️ Acute Medication
• ☑️ Accidents

   

Annual and Claim Limits Per Policy Year

 

• ☑️ Surgery and treatment of the Cruciate Ligaments– R30 000
• ☑️ Surgery to the Spinal Cord and Discs – R30 000
• ☑️ Surgery to the Hips and Pelvis – R30 000
• ☑️ The costs of Radiation and Chemotherapy– R30 000
• ☑️ Costs for diagnostic tests, radiology, pathology, scans, and exploratory laparoscopic investigations or scopes– R15 000

  Paw Paw Comprehensive Plan Premium Options       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.

 

Excess plans

💙 The comprehensive options (Platinum, Gold & Silver) provide the same level of cover across the board, the only difference between the options is the excess options chosen by the client, which would in turn only affect the premium and not the level of cover provided.   💙 Choose from their Silver, Gold and Platinum excess plans for a premium that best suits your requirements. Enjoy the same comprehensive cover, with your choice of excess.   💙 Pets are individually risk rated to determine  the appropriate premium.  

Smartplan

    Policy information     What is your pet covered for?  

• ☑️ Consultations
• ☑️ Diagnostics
  • Radiology • Blood tests • Biopsies and more

• ☑️  Surgery
• ☑️  Post-operative rehabilitation
• ☑️  Accidents
• ☑️  Acute Medication

  Annual and Claim limits    

The Pack Plan

    Policy information  

• ☑️ Covers: All dogs and cats in the household under one policy.
• ☑️ Cats and dogs: NO AGE LIMIT
• ☑️ Waiting periods: Non-accidental claims 30 days from start date of policy.
• ☑️ Accidental injury claims: 2-Day waiting period from start date of policy.
• ☑️ Claims: Processed within 72 hours.
• ☑️ Payments: Can be reimbursed to policy holder, or paid to your vet directly by arrangement. With pre-authorization, we can pay for larger cost events, directly and upfront to your vet.

Annual and Claim limits  

• ☑️ Max Combined Claims: 4 claims per household per policy year.
• ☑️ Claim Limits:
  • Illness: R1500 per claim
  • Accidents: R5000 per claim

  What are your pets covered for?     Excess plans 💙 Choose from their Silver, Gold and Platinum excess plans for a premium that best suits your requirements. Enjoy the same comprehensive cover, with your choice of excess.   💙 Pets are individually risk rated to determine  the appropriate premium.  

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:  

• ☑️ This process in now done directly from The PAW PAW website, where the policyholder can load the claim information themselves and choose to either be reimbursed for the claim value or have P.uma pay the vet directly.

   

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

   

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.   💙 However, there are some drawbacks to consider when choosing Paw Paw Pet Insurance. For example, the policy does not cover pre-existing conditions.   💙 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:

• 1st for Women Pet Insurance
• Paw Paw Pet Insurance
• Dotsure Pet Insurance 
• GENRIC Pet Insurance
• MediPet Pet Insurance
• Oneplan Pet Insurance
• OUTSurance Pet Insurance
• Sanlam Reality Pet Cover 

 

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?

  This process in now done directly from The PAW PAW website, where the policyholder can load the claim information themselves and choose to either be reimbursed for the claim value or have P.uma pay the vet directly.  

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.