What is MediPet?

MediPet is specialised, affordable medical pet health insurance for your dogs and cats. It covers all unforeseen medical expenses for you beloved pet and gives you the peace-of-mind that he or she will be given the best care in case of emergencies.

What are some of the illnesses that are covered?

Medipet covers almost anything from ear infections, bee stings, eye infections, broken bones, diabetes, swallowing foreign objects and biliary to cancer. All major illnesses and accidents are covered. The only thing we do not cover is routine medical care, such as annual check-ups, vaccinations, worm/tick/flea control, teeth cleaning and spaying or neutering.

How do I claim?

Simply complete a claim form and attach the vet bills. Claim forms are available at your vet or you can download one from this website by clicking here; or mail us at info@medipetsa.co.za; or call 0800 MEDIPET (0800 6334738).

Once it’s completed, fax it together with all bills to: 021 701 2027 or post it to:
PO Box 31596, Tokai 7966.
Your claim will be settled within 10 working days.

Is there an age limit for cover?

There is no age limit for cover, once you’ve insured your pet. However, pets can only be put onto the insurance from 8 weeks up to 9 years. Once enrolled, they’re covered for life.

Must I visit only certain vets?

No, you can visit any registered vet of your choice, anywhere in South Africa.

Which conditions are excluded?

To keep premiums low, the following conditions are not covered:

• regular pregnancy and delivery
• grooming; behaviour problems
• elective procedures
• hereditary or congenital defects
• pre-existing conditions before insurance was taken
• foods & diets of your choice (unless specifically advised by your vet to assist in clearing up a medical condition).

How are claims paid?

Claims a refunded directly to you, after we’ve received your claim form with the relevant vet’s bill/s attached. We will deposit your claim straight into the bank account you have specified

How are monthly premiums paid?

Premiums are deducted via monthly debit order from the account, which you have specified. Your cover will lapse, should your premiums be unpaid.

Can I cancel my policy?

Yes, you can cancel your policy at any time. One month’s written notice is required.

Is there a waiting period before my policy starts?

No, your policy starts immediately on the day your policy is accepted. However you cannot make a claim in the first 14 days.

Does my pet have to have a microchip or tattoo?

No, but it is always a good idea to have one anyway, to assist in case your pet gets lost and is taken to a vet with an injury in your absence.

Why do I have to pay excess?

This is a small co-payment from your side and is standard practice on all insurances, from your car insurance right through to your homeowners insurance.

What does lifelong mean?

Lifelong cover means we’ll pay for treatment up to the benefit amount each and every year for as long as you renew your policy.

Does it matter how old my pet is?

Once your pet is insured, we will offer cover for the rest of his or her life.

Can I claim for complementary treatments and medicines?

Yes, we will cover you for complementary treatments such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture.

How quickly are claims processed?

We aim to process claims within 10 days of receiving a claim form.

Who are your underwriters?

We are underwritten by Renasa Insurance Company Limited. If you would like to know more, please visit Renasa’s website. (www.renasa.co.za)

Can I still apply if my pet’s vaccinations are not up to date?

No, as there are so many diseases it is in the animal’s best interest that they are fully vaccinated and these vaccinations are kept up to date annually.

Do you pay for hereditary / congenital conditions?

Your cover may be limited if hereditary and or congenital conditions are present. A letter will be sent to the attending veterinarian requesting more information on this condition.

What is a claim excess?

A claim excess is a contribution towards the veterinary bill. You will pay one excess per condition, per year.

Do you need any notice to cancel my policy?

If you would like to cancel your policy within the first 14 days you are entitled to a full refund of your premium. If you cancel your policy after the initial 14 days any refunds due will be on a pro-rata basis.

Is there a cut-off period after which I cannot make a claim?

Yes. We must receive your completed claim form at our offices within 60 days of the treatment being carried out.

The Full Policy Document can be downloaded here