MediPet Pet InsuranceView Prices (2024*) (2024)

Overall, MediPet is a reputable pet insurance provider in South Africa that offers a 24/7 emergency and healthcare line for both cats and dogs. The MediPet Pet Insurance plans start from R199 per month.

MediPet Pet Insurance – 12 Key Point Quick Overview

1. ☑️ MediPet Pet Insurance Overview
2. ☑️ MediPet Pet Insurance Plan Options
3. ☑️ MediPet Lite Plan
4. ☑️ MediPet Essential Plan
5. ☑️ MediPet Ultimate 360® Plan
6. ☑️ MediPet Accidental Plan
7. ☑️ How to join MediPet Pet Insurance
8. ☑️ How to claim from MediPet Pet Insurance
9. ☑️ MediPet Pet Insurance vs Competitors
10. ☑️ MediPet Pet Insurance Customer Reviews
11. ☑️ Our Verdict on MediPet Pet Insurance
12. ☑️ MediPet Pet Insurance Frequently Asked Questions

MediPet Pet Insurance Overview

MediPet, a leading pet insurance broker in South Africa, was founded by Louise Beevers, a vet nurse, over 16 years ago. The company was established to provide pet families with revolutionary insurance coverage to help them manage unforeseen, significant costs that they may not be able to afford otherwise. MediPet’s passion and compassion drive the company to seek better, more comprehensive, and genuine insurance coverage options unique to South Africa. Over time, the company has become South Africa’s leading pet insurance broker, offering multiple sustainable and simple cover plans and add-ons to suit every family and budget.

MediPet Pet Insurance Plan Options

MediPet Lite Plan

If you cannot afford comprehensive pet insurance coverage but still require must-have basic cover, MediPet has options available for your pet. Whether you have a senior pet that requires illness cover or anticipate needing no more than four claims a year that will stay within the claim limit, MediPet can tailor the Lite Plan to suit your needs. Additionally, MediPet does not impose sub-limits within the four claims, allowing you to use the full amount on each claim. Furthermore, if your pet has a pre-existing condition, MediPet offers cover options to meet their requirements. In addition, if you need more coverage in the future, Benefit Booster is available to boost your benefits.

Plan and Excess Information

• No-claim period: 30 days from the enrollment date. All accidents listed in the Accident plan are immediately covered without any waiting periods.
• Excess: 15%, R250 minimum per claim.
• Up to four claims per policy year, with the option to choose which claims to submit.
• R13,760 maximum per claim.

Lite Plan Features

Lite Plan Optional Add-Ons

• Day-to-Day Routine Care

• Routine Supreme (R195 per month per pet)
• Up to R3,300 annually for annual preventative care like vaccinations, tick/flea treatments, sterilization, microchipping, grooming, nail clipping, training, and puppy socializing.

• Routine In-between (R130 per month per pet)
• R2,200 per year for preventative care, including vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Routine Lean (R65 per month per pet)
• R1,100 per year for vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Benefit Booster
• Benefits not included in the Lite plan can be added, or existing benefits on the Lite plan can be upgraded.

• Premium Saver
• Adding this benefit can reduce monthly premiums by 7.5% to 15%, and the fixed excesses can reduce costs associated with filing claims.

Lite Plan Exclusions

The following is not covered under the MediPet Lite Plan:

• Complements, behavioral therapy, dental care, radiation, chemotherapy, and prescription food fall under the category of complementary and alternative medicine (Benefit Booster is available should you need more coverage)
• Cremation contribution, advertising for lost pets, and theft contribution
• Fees for emergency boarding

MediPet Essential Plan

MediPet’s comprehensive pet insurance cover offers worry-free cover for accidents, illness, emergencies, and holistic wellness. If you are looking for peace of mind for expensive surgeries, MediPet can provide it. Unlike other insurance policies that impose sub-limits, MediPet’s policies do not have sub-limits, which gives you the freedom to claim up to the policy limit. Additionally, you can make unlimited claims within the policy year. If you require ongoing chronic cover, MediPet provides an option to add an ongoing chronic plan. Benefit Booster is also available should you require more cover in the future. Additionally, for dogs under nine years of age upon joining, MediPet can offer comprehensive cover for all your pet’s needs.

Essential Plan and Excess Information

• Standard Excess on Claims: 18%, with a cap of R350 per claim
• Conditions of the digestive tract, the musculoskeletal system, the skin, the eyes, the ears, and the respiratory and spinal cord each have their separate deductibles and co-pays: 25% and R500, respectively.
• Sliding Excess Across Multiple Claims: The first three claims filed during the policy year are not subject to the General and Specific Excesses. Once those thresholds are met, the following excess structure kicks in based on the sum of paid claims:
• Where claims are more than R6,000 but less than R9,000, the excess is 30% of the claim, with a minimum excess of R1,000.
• If your claim is for more than R9 000, you’ll have to pay an excess of at least R1,250.
• There is an 18% deductible for each claim related to holistic health, dietary supplements, and air travel emergencies.

Essential Plan Features

Essential Plan Surgery Benefits

Surgeries are covered on the cruciate ligament, luxating patella, hip, elbow, or shoulder, or for ingesting a foreign body, limited to one surgery per policy year. Within the same policy year, you will contribute 50% toward the cost of any additional surgery related to the conditions. Furthermore, if your cover is excluded, the affected area will have a 6-month waiting period during which no claims will be paid.

Additional Benefits included in the Essential Plan

• Holistic Wellness – Physiotherapy, Homeopathy, Hydrotherapy, Acupuncture, Rehabilitation, and Additional Therapies – a maximum of R5,000 per policy year.
• Supplements up to R2,000 annually.
• Behavioural Therapy – R4,000 for the lifetime of your pet.
• Missing Advertising for Pets – R250 per year.
• Emergency Boarding Fees – R500 per cat per year and R1,000 per dog per year – are not to be used for vacation care.
• Theft – R1,000 if your dog is stolen, goes missing, is not located, or is returned within 45 days.
• Radiotherapy and Chemotherapy.

Essential Plan Optional Add-Ons

• Day-to-Day Routine Care

• Routine Supreme (R195 per month per pet)
• Up to R3,300 annually for annual preventative care like vaccinations, tick/flea treatments, sterilization, microchipping, grooming, nail clipping, training, and puppy socializing.

• Routine In-between (R130 per month per pet)
• R2,200 per year for preventative care, including vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Routine Lean (R65 per month per pet)
• R1,100 per year for vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Benefit Booster
• Benefits not included in the Lite plan can be added, or existing benefits on the Lite plan can be upgraded.

• Premium Saver
• Adding this benefit can reduce monthly premiums by 7.5% to 15%, and the fixed excesses can reduce costs associated with filing claims.

Essential Plan Chronic Care Support

MediPet offers continuous cover for pre-existing conditions; also used to add benefits not included in your plan or to increase the limit of an existing benefit in your chosen plan. This includes, but is not limited to, medication, treatment, monitoring, supplements, behavioral therapy, holistic wellness, dental care, and prescription food. Furthermore, the popular chronic care support add-on structure is as follows:

Joining Ages for the Essential Plan

• When joining Essential, all dogs between the ages of 8 and 9 must provide a complete veterinary history.
• Joining Essential necessitates a full veterinary history for all cats older than 9 years.
• All dogs older than 9 years are eligible for Lite or Accident plans, but not Essential.

Essential Plan Exclusions

The following is not covered under the MediPet Essential Plan:

• Pre-existing conditions – any accident, illness, operation, injury, or behavior condition currently existing or exhibiting signs and symptoms or requiring treatment before joining or during a waiting period.
• When necessary, dental care and prescription food, unless a chronic care support add-on, is selected.
• Cremation contribution.

Essential Plan Waiting Periods

• The Accident plan covers all accidents specifically named therein without any deductible or waiting period.
• After the initial 30 days of membership, claims will be accepted
• After that, your co-payment drops to half for the next 30 days. Furthermore, if your pet gets sick during this time, you must still pay half of any claims made.
• MediPet will pay up to R5,000 in diagnostic costs for surgeries on the knees, hips, elbows, shoulders, eyes, respiratory system, and spine after a 6-month waiting period. Pets younger than 4 months old at enrollment may still be eligible for partial or full coverage of these services.

MediPet Ultimate 360® Plan

MediPet offers comprehensive pet insurance cover for accidents, illness, emergencies, and holistic wellness, without sub-limits to provide you with worry-free cover. You can have peace of mind for expensive surgeries and unlimited claims within the policy year. In addition, MediPet provides additional benefits, including dental care, prescription food, and sterilization. If you require ongoing chronic cover, MediPet has the option to add an ongoing chronic plan. Furthermore, the Benefit Booster is available for those who need more coverage in the future. In addition, if your dog is under nine years of age upon joining, MediPet offers a comprehensive pet insurance policy to meet all your needs.

Plan and Excess Information

• General excess on claims: 18%, with a minimum of R350 per claim
• Specific excess: 25%, minimum of R500 per claim for gastrointestinal disorders, lameness, skin disorders, ear and eye disorders, and respiratory and spinal disorders.
• 25% cover, R500 maximum per claim, and one per policy year.
• Multi-Claim Sliding Excess: General and Particular Excesses apply to the first three claims filed during the policy year. The following sliding excess structure then applies when the total paid claims are:
• Between R6,000 and R9,000, the excess is 30% of the claim, with a minimum excess of R1,000 per claim.
• Over R9,000, the excess is 30% of the claim, with a minimum excess of R1,250 per claim.
• 18% excess per claim for holistic wellness, supplements, and emergency boarding fees

Ultimate 360® Features

Ultimate 360® Plan Surgery Benefits

Surgeries are covered on the cruciate ligament, luxating patella, hip, elbow, or shoulder, or for ingesting a foreign body, limited to one surgery per policy year. Within the same policy year, you will contribute 50% toward the cost of any additional surgery related to the conditions. Furthermore, if your cover is excluded, the affected area will have a 6-month waiting period during which no claims will be paid.

Additional Benefits on the Ultimate 360® Plan

• Holistic Wellness – Physiotherapy, Homeopathy, Hydrotherapy, Acupuncture, Rehabilitation, and Additional Therapies – a maximum of R5,000 per policy year.
• Supplements up to R2,000 annually.
• Behavioural Therapy – R4,000 for the lifetime of your pet.
• Missing Advertising for Pets – R250 per year.
• Emergency Boarding Fees – R500 per cat per year and R1,000 per dog per year – are not to be used for vacation care.
• Theft – R1,000 if your dog is stolen, goes missing, is not located, or is returned within 45 days.
• Prescription Food – R150 per month for six months per policy year.
• Contribution towards cremation – up to R500 per cat and R1,000 per dog.
• Dental care – one dental procedure per policy year.
• Maximum of R1,200 for sterilization.
• Radiotherapy and Chemotherapy.

360® Optional Add-Ons

• Day-to-Day Routine Care

• Routine Supreme (R195 per month per pet)
• Up to R3,300 annually for annual preventative care like vaccinations, tick/flea treatments, sterilization, microchipping, grooming, nail clipping, training, and puppy socializing.

• Routine In-between (R130 per month per pet)
• R2,200 per year for preventative care, including vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Routine Lean (R65 per month per pet)
• R1,100 per year for vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Benefit Booster
• Benefits not included in the Lite plan can be added, or existing benefits on the Lite plan can be upgraded.

• Premium Saver
• Adding this benefit can reduce monthly premiums by 7.5% to 15%, and the fixed excesses can reduce costs associated with filing claims.

Ultimate 360® Plan Chronic Care Support

MediPet offers continuous cover for pre-existing conditions; also used to add benefits not included in your plan or to increase the limit of an existing benefit in your chosen plan. This includes, but is not limited to, medication, treatment, monitoring, supplements, behavioral therapy, holistic wellness, dental care, and prescription food. Furthermore, the popular chronic care support add-on structure is as follows:

Joining Ages for the Ultimate 360® Plan

• When joining Essential, all dogs between the ages of 8 and 9 must provide a complete veterinary history.
• Joining Essential necessitates a full veterinary history for all cats older than 9 years.
• All dogs older than 9 years are eligible for Lite or Accident plans, but not Essential.

Ultimate 360® Plan Exclusions

The following is not covered under the MediPet Ultimate 360® Plan:

• Pre-existing conditions – any accident, illness, operation, injury, or behavior condition currently existing, exhibiting signs and symptoms, or requiring treatment before enrollment or during a waiting period.

Ultimate 360® Plan Waiting Periods

MediPet offers a comprehensive Accident plan that covers all accidents immediately, without any waiting periods. Additional details on their pet insurance plans include:

• A 30-day no-claim period from the date of joining
• Followed by a 30-day 50% shared co-payment period. If your pet develops any condition during this period, you will continue to share a 50% co-payment for claims on it moving forward.
• A 4-month waiting period on prescription food, dental care, and sterilization claims.
• A 6-month waiting period on the cremation benefit, which cannot be claimed if the death is because of any excluded or pre-existing conditions.
• A 6-month waiting period for knee and hip, elbow and shoulder, eye, respiratory system, and spinal treatments. MediPet will pay up to R5,000 towards diagnostic tests within this period. Pets under 4 months upon joining may still be considered for part or full cover of the above treatments.

‍⬛MediPet Accidental Plan

If your dog is over 9 years of age upon joining, and you can afford accident cover only, MediPet has options. Unlike other insurance policies, MediPet’s policy for accidents does not have any waiting periods or sub-limits, which gives you the freedom to claim up to the policy limit. Furthermore, MediPet’s insurance policies are designed to cater to pet owners with varying budgets and needs, ensuring that all pets receive the necessary care and attention they deserve.

Plan and Excess Information

• There is no waiting period.
• The excess is 10% of the claim with a minimum of R150 that can be claimed.

Accidental Plan Features

Accidental Plan Cover

The Accidental Plan covers treatment that results from any of the following:

• Car Accident
• Burn or electrocution
• Descend from a lofty position
• Near-drowning
• The conduct of a different animal
• A foreign body must be surgically or endoscopically extracted after being swallowed or implanted.
• Snakebite
• A hypersensitivity reaction to an insect bite (other than a tick or flea bite)
• Biliary (tick bite fever) (tick bite fever)
• Accidental poisoning
• Acute ligamentous or tendonous trauma

Additionally, MediPet’s Accidental Plan also covers anything that could result in any of the following:

• A broken bone or tooth/teeth
• A wound caused by a needle
• Bruises, lacerations, or wounds
• A stomach twisting (gastric dilation volvulus)
• A soft tissue rupture

Accidental Plan Optional Add-Ons

• Day-to-Day Routine Care

• Routine Supreme (R195 per month per pet)
• Up to R3,300 annually for annual preventative care like vaccinations, tick/flea treatments, sterilization, microchipping, grooming, nail clipping, training, and puppy socializing.

• Routine In-between (R130 per month per pet)
• R2,200 per year for preventative care, including vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

• Routine Lean (R65 per month per pet)
• R1,100 per year for vaccines, deworming, microchipping, spaying/neutering, grooming, nail clipping, training, and socialization for puppies.

Accidental Plan Exclusions

Any treatment that has not already been listed under the features of this plan is excluded.

How to join MediPet Pet Insurance

To join MediPet, you can follow these steps:

• ☑️ Visit the MediPet website at www.medipetsa.co.za or call their customer service team to discuss your options.
• ☑️ Considering any pre-existing conditions, choose the plan that best suits your pet’s needs.
• ☑️ Provide basic information about your pet, including its name, breed, age, and any pre-existing conditions.
• ☑️ Select the payment plan that suits your budget and pay the monthly premium. You can choose to pay via debit order or credit card.
• ☑️ Review the terms and conditions of your selected plan and ensure you understand the cover and any limitations.
• ☑️ Once your payment has been processed, your pet will be covered according to the terms of your selected plan. In addition, you will receive a policy document outlining the cover and benefits.
• ☑️ If you have any questions or concerns, contact MediPet’s customer service team, who will gladly assist you.

How to claim from MediPet Pet Insurance

Here is a step-by-step guide on how to claim from MediPet:

• ☑️ Take your pet to the vet and ensure they receive the necessary treatment.
• ☑️ Pay the vet bill up front and obtain an itemized invoice that shows the diagnosis and treatment received.
• ☑️ Visit the MediPet website and log in to your account or contact their customer service team to initiate a claim.
• ☑️ Upload or email the invoice to MediPet and any other supporting documentation required for your claim.
• ☑️ MediPet will process your claim and assess it according to the terms of your selected plan.
• ☑️ MediPet will reimburse you for the covered costs per your plan’s terms if the claim is approved.
• ☑️ The reimbursem*nt will be paid directly into your nominated bank account or via cheque, depending on your preferred payment method.

MediPet Pet Insurance vs Competitors

MediPet Pet Insurance Customer Reviews

Exceptional Efficient.

This insurance provider is known for their exceptional efficiency, sympathy, and seamless claims payout process. Their commitment to providing excellent care is apparent, and I have never encountered any issues with their services. In addition, they prioritize communication and always keep me informed throughout the process, which I highly appreciate. – Amanda Bailey

Exceptional Pet Insurance Provider.

Medi-Pet is an exceptional pet insurance provider that is known for providing excellent client service and friendly assistance. Their commitment to delivering high-quality care is evident in their dedication to personalized service to each client. In addition, their friendly and knowledgeable staff are always available to assist with any queries or concerns, making them a reliable and trustworthy partner for pet owners. – Darren Chauke

Exceptional Commitment to their Clients.

Our border collie has been diagnosed with pre-existing hip dysplasia and requires a complete hip replacement. Despite several other medical aids refusing to consider cover for her condition, MediPet demonstrated their exceptional commitment to their clients by providing cover for our pet. The MediPet team did not hesitate to offer cover, a relief for us as pet owners facing a significant financial burden. In addition, the Benefit Booster feature was a great benefit for us as it calculated a monthly payment for the total cover of the operation or the amount required, making the cover immediately available. This feature demonstrates MediPet’s ingenuity and commitment to providing comprehensive cover options for its clients. – Nadine Malatji

Our Verdict on MediPet Pet Insurance

MediPet is a leading pet insurance provider in South Africa, offering a range of cover options for dogs and cats of all ages and breeds. MediPet provides comprehensive cover for accidents, illnesses, emergencies, and holistic wellness, with options for ongoing chronic cover and Benefit Booster to increase your benefits. MediPet stands out for its commitment to covering pre-existing conditions and offering no sub-limits within the policy year. Furthermore, MediPet has a 30-day no-claim period, no waiting period for accidents, and a 4-month waiting period for dental care, prescription food, and sterilization claims.

However, apart from the benefits of using MediPet, the possible drawback of MediPet is the waiting periods for certain treatments and benefits, which is a common feature of pet insurance plans. MediPet’s exceptional customer service, commitment to cover for pre-existing conditions, and comprehensive coverage options make it a great choice for pet owners seeking reliable and affordable pet insurance.

You might like to read more aboutPet 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 does MediPet cover?

MediPet covers accidents, illnesses, emergencies, and holistic wellness, with options for ongoing chronic cover and Benefit Booster to increase your benefits.

Does MediPet cover pre-existing conditions?

Yes, MediPet is committed to covering pre-existing conditions that other pet insurance providers may not cover.

How do I log in to my MediPet account?

To log in to your MediPet account, visit the MediPet website and click on the “Login” button in the top right-hand corner. You will then be prompted to enter your email address and password.

What is the MediPet contact number?

The MediPet contact number is 0861 633 478. In addition, their customer service team is available to assist you with any queries or concerns regarding your pet insurance policy.

Where can I find the MediPet claim form in pdf format?

You can download the MediPet claim form in pdf format from the “Forms” section of the MediPet website. Alternatively, you can contact their customer service team to request a copy.

What is the MediPet email address?

The MediPet email address is [emailprotected]. You can use this email address to contact their customer service team for queries or concerns.

Does MediPet have a Facebook page?

Yes, MediPet has a Facebook page where they share information about their services and helpful tips and advice for pet owners. In addition, you can follow their page to stay updated with their latest news and promotions.

How does MediPet work?

MediPet provides pet insurance coverage for accidents, illnesses, emergencies, and holistic wellness. To enroll, choose the plan that best suits your pet’s needs, pays the monthly premium, and provides basic information about your pet. If your pet requires medical attention, pay the vet bill upfront, and initiate the claims process with MediPet.

What is the age limit for MediPet?

There is no maximum age limit for pets with MediPet. However, cover may vary depending on the pet’s age and pre-existing conditions.

Who owns MediPet?

Louise Beevers owns MediPet.

What is MediPet?

MediPet is a leading pet insurance provider in South Africa, offering a range of comprehensive cover options for dogs and cats of all ages and breeds.

What is Benefit Booster?

Benefit Booster is an optional feature of MediPet’s policies that allows you to increase your benefits with a monthly payment for the total cover of an operation or the amount required.

Does MediPet have waiting periods?

Yes, MediPet has waiting periods for certain treatments and benefits, including a 4-month waiting period for dental care, prescription food, and sterilization claims.

Are there sub-limits within the policy year?

No, MediPet policies do not have sub-limits, giving you the freedom to claim up to the policy limit.

What is the no-claim period?

MediPet has a 30-day no-claim period, meaning you cannot make any claims within the first 30 days of your policy.

Can I choose my own vet?

Yes, with MediPet, you can choose your own vet if they are registered with the South African Veterinary Council.

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