Overall, Sanlam Reality is a reputable pet insurance provider in South Africa that offers a 24/7 emergency and healthcare line for both cats and dogs. The Sanlam Reality Pet Insurance covers up to R5,000 a year for accidents that cats or dogs of Fedhealth policyholders might suffer.
|🔎 Company Name||🥇 Sanlam Limited|
|1️⃣ Number of Plans||1|
|💶 Plans Price Range||Excess of R500|
|🐸 Species Covered||Cats and Dogs|
|🐦 Breed Restrictions||None|
|📈 Sub-limits within the annual maximum cover||None|
|📉 Maximum Limit per claim||R5,000 per year|
|📊 Routine Care Benefits||☑️ Yes|
|📌 Diagnostic Testing Benefits||✅ Yes|
|💊 Medication Benefits||☑️ Yes|
|🏥 Hospitalization Cover||✅ Yes|
|❤️ Chronic Support Care||☑️ Yes|
|⚠️ Accidental Cover||✅ Yes|
|⚕️ Illness Cover||☑️ Yes|
|🦷 Dental Care||✅ Yes|
|❎ X-rays||☑️ Yes|
Sanlam Reality Pet Cover is a comprehensive pet insurance product offered by Sanlam, a leading financial services group in South Africa. This product is designed to help pet owners manage the cost of veterinary expenses in the event of unexpected illness or injury to their pets. The insurance policy covers veterinary consultations, procedures, medication, and hospitalization. Also, it includes a range of benefits, such as cover for a wide range of illnesses and injuries, including accidents, infections, allergies, and chronic conditions. Additionally, optional benefits such as cover for dental procedures, routine care and preventative treatments, and emergency boarding if the pet owner is hospitalized are also available. Sanlam Reality Pet Cover provides access to a network of veterinarians, animal behaviorists, and nutritional experts, as well as 24-hour telephonic advice and support for pet owners.
Furthermore, this product is available exclusively to South African residents who are members of the Sanlam Reality rewards program, which offers members a range of lifestyle benefits and discounts.
Sanlam Reality Access is a loyalty rewards program offered by Sanlam, a leading South African financial services group. The program is designed to give customers various benefits and discounts on various products and services. Members of Reality Access for Fedhealth are the best pet owners in South Africa. Therefore, Sanlam has partnered with dotsure.co.za to offer all members an exclusive Pet Insurance introductory offer. Furthermore, Reality Access offers members of Fedhealth a 50% discount on the first three months of pet premiums.
Reality Access offers cover for accidental injuries to domestic dogs and cats of Fedhealth members. The benefit provides R5,000 per household per membership year (not per pet) to Fedhealth Medical Scheme members, with an R500 excess per accidental injury claim. Furthermore, an accidental injury is defined as a sudden, unforeseen, and unintended event resulting in the pet’s injury and is subject to certain conditions. However, there is no need to register pets for this benefit, as they are automatically covered. If a pet is injured, the pet owner should take the pet to the vet and pay the vet directly for the treatment.
|💵 Reimbursement Rate||100% of the Veterinary expenses up to the annual benefit maximum|
|🐶 Species||Dogs and Cats|
|✅ Covered Items||Veterinary fees for unforeseen and unavoidable accidents, including:
|📈 Maximum Covered||R5,000 per Fedhealth Medical Scheme member family per year|
|💶 Excess payable per claim||R500 per accident claim|
To join Sanlam Reality Access and get access to Sanlam Reality Pet Cover, follow these step-by-step instructions:
Finally, you will be prompted to enter your payment details and bank account information. Once you have provided this information, click “Submit” to complete the process.
To claim, pet owners can follow the following procedure:
The following must be noted when claiming from Sanlam Reality:
Pet Accident Benefit is available to all genuine Fedhealth Medical Scheme members on Reality Access. The benefit covers up to R5,000 per membership year per Fedhealth Medical Scheme member household, regardless of the number of dogs or cats in the household, and is provided for accidental injuries caused by at least one of the following:
If your pet sustains an accidental injury while you are a paying member of the Fedhealth Medical Scheme, Sanlam Reality will cover the full cost of treatment (provided by a registered Vet), less an R500 excess per accidental injury claim. Furthermore, each Fedhealth Medical Scheme member household is covered up to a maximum of R5,000 (incl. VAT) per year.
The following situations are excluded from cover under the Reality Access pet accidental benefit:
The following are the conditions that must be met for cover under the Reality Access pet accidental benefit:
Finally, The pet must reside at the physical address of the member.
|🔎 Pet Insurance||🥇 Sanlam Reality Pet Insurance||🥈 Oneplan Pet Insurance||🥉 MediPet Pet Insurance|
|📌 Years in Operation||105 years||4 years||16 years|
|📍 Trust Rating||3.9/5||4.4/5||4.9/5|
|🤝 Customer Reviews||4,000+||10,800+||100+|
|🔟 Number of Plans||1||4||4|
|💴 Plans Price Range||R500 excess||R80 – R430 p/m||R321 – R567 p/m|
|🐸 Species Covered||Cats and Dogs||Cats and Dogs||Cats and Dogs|
Sanlam Reality Pet Cover is a unique product that provides limited cover for pet owners seeking basic protection against unexpected veterinary expenses. While it is not a conventional pet insurance product, Sanlam Reality Pet Cover offers a range of benefits, including cover for veterinary consultations, procedures, medication, and access to a network of veterinary professionals, including veterinarians, animal behaviorists, and nutritional experts. In addition, pet owners can benefit from optional additional cover for dental procedures, routine care and preventative treatments, and emergency boarding if the pet owner is hospitalized. Sanlam Reality Pet Cover is available exclusively to South African residents who are members of the Sanlam Reality rewards program.
One of the main drawbacks of Sanlam Reality Pet Cover is that it provides limited cover, with a maximum benefit of R5,000 per year. This amount may not cover the full cost of certain treatments, particularly for chronic or long-term conditions requiring ongoing care. In addition, Sanlam Reality Pet Cover does not cover all pet-related expenses, such as illness or routine care, which can limit its usefulness for some pet owners.
You might like to read more about Pet Insurance and Pet Insurance Schemes in South Africa:
Sanlam Reality Pet Cover is a unique product that provides limited cover for pet owners seeking basic protection against unexpected veterinary expenses.
Yes, Sanlam Reality Pet Cover provides limited cover for pet accidents, up to a maximum of R5,000 annually.
No, Sanlam Reality Pet Cover is not comprehensive pet insurance. However, it provides limited cover for pet owners seeking basic protection against unexpected veterinary expenses.
Sanlam Reality Pet Cover provides coverage for dogs and cats. The coverage is available for both pedigree and mixed breed pets. However, it’s important to note that certain breeds may be excluded from coverage due to their higher risk of developing certain health conditions. It’s best to check with Sanlam Reality to confirm whether your pet is eligible for coverage.
Yes, Sanlam Reality Pet Cover has age restrictions for pets. Dogs and cats must be between the ages of 8 weeks and 8 years old to be eligible for coverage. Once enrolled, pets can remain covered for the duration of their lives as long as you continue to pay the premiums and renew the policy annually.
Yes, Sanlam Reality Pet Cover is available exclusively to South African residents who are members of the Sanlam Reality rewards program.
Sanlam Reality Pet Cover provides coverage for a range of veterinary expenses related to illness or injury, including but not limited to:
Yes, Sanlam Reality Pet Cover has certain exclusions and limitations to the coverage provided. These may include:
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