They cuddle up beside you and creep into your heart, leaving pawprint that lasts a lifetime. They love you unconditionally (and those of the canine variety can keep you safe too). They’re the furry members of your family, and you’d do anything to protect them. We totally get it, which is why we’re thrilled to introduce Pet Insurance from 1st for Women Insurance.
What is Pet Insurance?
Pet insurance offers cover to pet owners to manage the financial costs of veterinary care. A pet insurance policy will cover medical treatment and emergency care expenses. Depending on your chosen plan, your policy may also cover routine check-ups, preventative care and vaccinations. Our insurance ensures your pet receives medical care in a timely manner. It reduces the financial burden of unexpected veterinary bills, allowing you to prioritise your beloved pet’s well-being and health.
Cover
A summary of what is covered
Premiums
Day-to-day cover (Minor Care)
Routine Care (Wellness)
Surgery & Hospitalisation
Post Surgical
Care
Dignified
Ending
3rd Party
Liability
Multi-pet
discount
Fur Baby Basic
Plan
Overall Annual Limit R12 000
You can't predict an accident, but you can prepare for it. With this purse-friendly plan, your fur-baby is covered if he/she is injured in an accident and needs hospitalisation/surgery. This plan is also ideal for pets in their golden years (over age 9) who can no longer get full cover.
Cat Premium from
R120
Dog Premium from
R120
R12 000
per year
Hospital
Plan
Overall Annual Limit R35 000
Our Hospital Plan will assist you with paying for the bigger vet bills if your pet is admitted to hospital due to an accident or illness.
Cat Premium from
R170
Dog Premium from
R170
R350
per year
*R35 additional premium pm
R20 000
per year
R35 000
per year
R1 500
per year
R1 500
10%
for pet 2
15%
for pet 3
PetCare
Essential Plan
Overall Annual Limit R15 000
Our budget-friendly Comprehensive Plan comes with the option to add Routine Care, helping to keep your pet happy and healthy.
Cat Premium from
R160
Dog Premium from
R180
R500
per event
R1 000
Annual Limit
R350
per year
*R35 additional premium pm
R12 000
per year
R1 500
10%
for pet 2
15%
for pet 3
Top to Tail
Classic Plan
Overall Annual Limit R45 000
If you're looking for more comprehensive cover and you've got a bit of wiggle room in your budget, you're barking up the right tree! Enjoy great value for money with a wide range of cover - from hospital/surgery, routine care and vet check-ups to cover for a Dignified Furwell.
Cat Premium from
R280
Dog Premium from
R300
R1 700
per event
R3 400
Annual Limit
R500
per year
R35 000
per year
R2 000
per year
R1 500
R50 000
10%
for pet 2
15%
for pet 3
Premium Paws
Plan
Overall Annual Limit R65 000
For pawrents who want the most comprehensive cover (and are comfy with the cost) this is the purrfect plan for you! Enjoy all the same cover as the Top to Tail Classic Plan, with much higher cover limits.
Cat Premium from
R400
Dog Premium from
R420
R2 000
per event
R4 000
Annual Limit
R750
per year
R55 000
per year
R2 000
per year
R2 500
150 000
10%
for pet 2
15%
for pet 3
Fur Baby Basic
Overall Annual Limit R12 000
Hospital Plan
Overall Annual Limit R35 000
PetCare Essential Plan
Overall Annual Limit R15 000
Top8 to Tail Classic Plan
Overall Annual Limit R45 000
Premium Paws
Overall Annual Limit R65,000
Pet Insurance Benefits
Pawsome Perks. We’ve expanded our Guardian Angel Assist to include services designed specifically for pets. Take a look…
Vet@First (24/7 emergency and healthcare line)
- We know how frightening a pet medical emergency can be. That’s why Vet@First's panel of experts are on stand-by to guide you through a crisis – and refer you to vets and animal hospitals/clinics in your area. Get expert advice on general medical questions, healthcare and nutrition.
Pet Taxi (Need we say more?)
Pet got a vet appointment? Grooming date at the parlour? Reservations at a pet hotel? With a pet insurance policy from 1st for Women, we’ll give them a safe ride there and home. See below for more info on the number of trips and distance covered, plus other important details.
But pause…there’s more!
- You’ll pay no excess for Wellness, Dignified Furwell and 3rd Party Liability claims.
- There’s no waiting period for accident claims (including accidental death for Dignified Furwell).
Some of what's not covered:
- Pre-existing conditions are excluded on all plans.
- For the first 12 months of cover on the Top to Tail Classic and Premium Paws plans: hip & elbow dysplasia, displacement of the patella (kneecap), entropion, ectropion, cherry eye, cruciate ligament rupture, brachycephalic conditions in flat-faced breeds, intervertebral disc disease (IVDD) in long-bodied breeds.
- Total exclusion of congenital/hereditary conditions on the Fur Baby Basic plan.
Excesses and limitations:
-
As mentioned, you'll pay no excess for Wellness, Dignified Furwell and 3rd Party Liability claims.
-
You'll only pay a 10% excess on Minor Care and Diagnostic claims.
-
Excess on Surgery & Hospitalisation: First 6 months of cover - 25% (minimum R500), whichever is greater. Month 7 of cover onwards - 10% (minimum R500), whichever is greater.
-
Kindly note that the above excesses are applied per claim.
-
The annual limit for Vet@First and Pet Taxi collectively is 4 incidents per annum up to the limit of R3 000.
Waiting periods:
-
Cover for accidents is immediate (including accidental death under Dignified Furwell).
-
Illness, Wellness, Minor Care, Diagnostics and 3rd Party claims have a 30-day waiting period.
-
There is a 6-month waiting period for death due to natural causes (old age) under Dignified Furwell.
-
Congenital/hereditary conditions carry a 12-month waiting period (on Top to Tail Classic and Premium Paws Plans).
Pet Taxi limitations:
-
Areas covered: 50km radius of city centres in Johannesburg, Pretoria, Cape Town and Durban.
-
Who qualifies? One domestic pet at a time, not exceeding 25kg in weight, who transported in a suitable container. The pet will have to be escorted by its owner.
-
Passengers: The pet, you (or someone you send on your behalf) plus up to two additional passengers.
-
Distance covered: A single round trip from pick up point (point A) to a single drop off point (point B) not exceeding 50km.
-
Additional charges: If you exceed the number of covered trips or the 50km distance limit, you’re welcome to continue using the service, at your own cost.
Important forms and documents: