Build Your Own Plan

Benefits & cover tailored to your pet's needs.

Benefits you can build in

Choose the benefits that fit your pet. Here is what each one covers and how it works.

Wellness Routine Cover

A health benefit that supports regular preventive care. It covers the routine vet visits and preventive treatments that keep your pet healthy and catch problems early.

What's covered

Titer testing
Vaccinations / injection fees
Consultation fee
Heartworm prevention
Faecal test
Deworming
Microchipping
Flea / tick prevention
Nail trim
Elective sterilisation / neutering
Dental check-up

Routine veterinary visits

Regular check-ups and wellness exams to detect health issues early and monitor your pet's health consistently.

Vaccinations

Protection against contagious diseases, often required by law and essential for preventing illness.

Preventive medications

Flea and tick preventives, heartworm preventives, and other recommended treatments.

Diagnostic testing

Blood tests, faecal examinations and screenings to detect early signs of disease.

Co-payment

50% co-payment on all claims, to a maximum of R2,500 or 12.5% of the Overall Annual Maximum (whichever is greater). No excess applied on this benefit.

3-month waiting period

Applies from policy start.

Co-payment

50%

on all claims

Annual limit

R2,500 / 12.5%

of Annual Maximum, whichever is greater

Waiting period

3 months

from policy start

Dental Cover

Helps with the cost of your pet's dental care, a big part of their overall health. Gum disease and dental injuries are common, and this benefit keeps them affordable to treat.

What's covered

Dental cleanings
Dental exams & X-rays
Periodontal disease treatment
Tooth extractions, scaling and root planing
Oral surgery

Dental cleanings

Routine cleanings, typically annual or semi-annual, essential for maintaining oral health.

Exams & X-rays

To assess dental health and diagnose hidden problems.

Periodontal treatment

Tooth extractions, scaling, root planing and antibiotic therapy.

Oral surgery

Removal of damaged or infected teeth, gum surgeries and other oral procedures.

Exclusions

Excludes dental check-ups, consultation fees, orthodontic treatments and dentures.

Pre-existing conditions

Pre-existing dental conditions are not covered.

12-month waiting period

Ensures existing dental disease is not present at enrolment.

Annual limit

R2,500 / 12.5%

of Annual Maximum, whichever is greater

Co-payment

50%

no excess on this benefit

Waiting period

12 months

from policy start

Hereditary Conditions

Cover for treating hereditary or congenital conditions: problems passed down genetically that affect bones, joints, organs and overall wellbeing.

What's covered

Diagnosis and treatment of hereditary conditions
Genetic testing, X-rays and ultrasounds
Surgery, medication and physical therapy
Long-term chronic condition management

Hereditary conditions

Diagnosis, treatment and ongoing management of conditions such as arthritis, heart disease and eye disorders.

Diagnosis and testing

Genetic testing, X-rays and ultrasounds to confirm hereditary conditions.

Treatment options

Surgery, medications, physical therapy and other interventions to manage symptoms.

Chronic condition cover

Long-term care and ongoing treatment throughout your pet's life.

Pre-existing conditions

Not covered. Hereditary conditions diagnosed after policy start are covered.

24-month waiting period

Ensures existing hereditary disease is not present at enrolment.

Annual limit

R2,900 / 12.5%

of Annual Maximum, whichever is greater

Co-payment

50%

no excess on this benefit

Waiting period

24 months

from policy start

Search & Rescue

Financial support to help bring your missing pet home, covering the costs of searching for and recovering them.

What's covered

Posters and flyers
Local advertising letters
Marketing campaigns
Reward costs
Volunteer coordination expenses

Reasonable measures

All reasonable measures and safeguards must have been taken to prevent the pet being lost or stolen.

Safety precautions

The safety of the pet must have been in place before the incident.

Accident & illness during recovery

Covers accidental injuries and illnesses sustained during search and rescue, including rehabilitation and recovery.

Proof of payment

Proof of all payments for this benefit must be provided at claim stage.

Lifetime maximum

R1,000

total coverage

Waiting period

6 months

from policy start

Public Liability

Protects you from legal and financial liability if your pet causes harm or damage to other people, their property or other pets.

What's covered

Dog bites requiring medical attention
Damage to third-party property
Injuries your pet causes to another pet
Legal defence costs

Dog bites

If your dog bites someone and causes injuries requiring medical attention, we help cover the medical expenses.

Property damage

If your pet damages someone's property, we cover repair or replacement costs.

Other pet injuries

If your pet injures another pet in a fight, we may cover the injured pet's veterinary bills.

Legal protection

Cover for legal defence costs if third parties file lawsuits against you.

Breed restrictions

No public liability cover for loss, damage, injury or death caused by: Pit Bull, American Staffordshire Terrier, American Bully, Boerboel, Rottweiler, Sharpei, Staffordshire Bull Terrier, Bull Terrier, Chow Chow, Doberman Pinscher, German Shepherd / Alsatian.

Cats

Public liability is not available for cats.

Coverage limit

R200,000

maximum liability coverage

Legacy of Life

A compassionate benefit that supports you through your pet's final journey, so you can say goodbye with dignity and honour their memory.

What's covered

Euthanasia services
Individual or communal cremation
Memorial services
Grief support and counselling

Euthanasia services

Compassionate euthanasia when recommended by a vet for terminal conditions or suffering.

Cremation services

Individual or communal cremation to honour your pet's memory according to your preferences.

Memorial services

Support for memorial arrangements and remembrance ceremonies to celebrate your pet's life.

Grief support

Access to grief counselling and support resources for you and your family.

12-month waiting period

Applies from policy start.

Coverage limit

R1,500

lifetime maximum

Waiting period

12 months

from policy start

Grief support

24/7

support line

Get my personalised price

Excess Buster (zero excess) is available as an optional add-on on any plan.