Pet health insurance helps to pay for veterinary care when a pet dog becomes ill or is injured. This provides you with peace of mind and helps you avoid having to make tough financial decisions about your pets health.
While your pet might be healthy today, there is no way to predict what might happen in the future. With DogSure Pet Health Insurance, you’ll be able to make sure that your pet has access to the best care possible in the event of an illness or accident, without having to make heart-breaking choices based on finances.
DogSure Pet Health Insurance covers up to 85% of the veterinary bills for any unexpected illness or injury that your pet may suffer. As with any insurance, it is very important that you take the time to read the DogSure policy terms and conditions before signing on and we encourage every prospective client to do so. The DogSure policy document is a short, one page document written in clear concise language with no fine print or complicated clauses. If you have any questions please feel free to contact us (021) 551-4447.
Unlike many other pet insurers, DogSure Pet Health Insurance does not rate premiums based on breed or age. From 01 June 2020 until 30 May 2021, the monthly premium will be R349.00 per dog including a R20 broker fee.
At Dogsure we go the extra mile for our clients. A big portion of our day is spent going backwards and forwards between your Vet and our Underwriter getting everything we need to make sure your claims are settled as quickly as possible. Where claims are not settled to our complete satisfaction we do our utmost to negotiate a better settlement, even going as far as employing the services of an independent vet for an objective second opinion. The Broker fee is currently R20 pm and included in your premium. This will increase along with the rest of your premium on 1 June each year but will never exceed 7.5% of your total premium. If you do not wish to pay for this service you have the right to cancel your policy giving 30 days written notice.
Any dog over the age of 8 weeks and under the age of 8 years may join DogSure. Once they have joined, provided you keep paying the premium, they are covered for life!
No. We do not require that pets be micro-chipped or tattooed.
No. Spaying is recommended for all dog owners, however we do not exclude unspayed pets from cover nor do we charge any extra premium for unspayed pets.
Pre-existing conditions are any illness or condition that showed symptoms prior to joining the insurance or which show symptoms during the first month policy waiting period. A pre-existing condition can also be an injury or recurrence of an injury that occurred before signing onto the insurance. Some pre-existing conditions may be subject to specific waiting period or be excluded from cover. When signing up, you will see that the application form has a few questions regarding your pets medical history. You should be completely honest when answering these questions. Knowingly misleading the insurance company about your pet’s previous problems is considered fraud and could result in your policy being cancelled and claims not being paid. After receiving your application, DogSure Pet Health Insurance will inform you of any exclusion your pet may have in writing allowing you to make an informed decision regarding your pets insurance.
In the case where the pets history is unknown, we may ask for a veterinary check-up prior to acceptance. In this case the veterinary consultation will be for your account.
Accidents will be covered from the commencement date of the policy. Full cover for non-accident related consultations and procedures commences one calendar month from the commencement date of the policy.
Yes. As long as your premiums are paid every month your pet will continue to enjoy full cover for its entire life.
No. Your pets’ policy will continue to renew each month so long as your premiums are paid. We consider this to be continuous cover and we do not exclude conditions from year to year.
No. Rather than raising our premium and offering various discounts, DogSure Pet Health Insurance offers all its customers the same affordable premium.
Hereditary and congenital conditions are diseases or disorders that are inherited genetically. Certain breeds of dogs are prone to specific conditions.
Yes. Coverage for prescriptions is included, provided that they have been prescribed by the treating veterinarian as treatment for an illness or accident and the illness or accident is not a pre-existing condition. Vitamins and heartworm/flea and tick preventives and other medication related to routine care is not covered . If your pet requires on-going medication for more than three months, the medication may be deemed to be chronic and subject to clinical treatment protocols and limited to R1000pa less any amount claimed for vaccinations.
DogSure Pet Health Insurance does not cover routine care. Our policy is designed to give you protection against unexpected vet bills for the best possible price. Because routine care, such as wellness check-ups, deworming, are all costs that all pet owners can plan and budget for, DogSure does not offer coverage for routine care. Our data shows us that scheduled treatments can inflate premiums and represent poor value for money. Coverage for routine care can often come at the expense of coverage for hereditary conditions, or even unexpected accidents. At DogSure we are committed to providing the best possible care for your pet when it matters most.
We do cover the cost of extractions of damaged teeth and of reconstruction of upper and lower canine teeth if the result of an accident. However we are unable to cover other dental treatment. If we were to cover every insured pets dental care we would have to charge a lot more for premium. Dental hygiene treatments are part of the routine care that every pet requires.
Yes, as long as it was not a pre-existing condition. Please note, that in the case where the pre-existing condition was excluded on one knee, the exclusion may also apply to the other knee as well. You will be informed of this exclusion in writing if it is applicable to your pet.
Alternative therapies are any treatments not forming part of mainstream veterinary science such as acupuncture, chiropractic, homeopathy, hydrotherapy, gold bead implants, herbal therapy and a host of others. Due to the lack of scientific evidence supporting these treatments, DogSure Pet Health Insurance is unable to offer cover for any of these treatments.
Chronic conditions are any condition which is incurable but can be managed through long term medication. We currently consider any treatment that lasts longer than 3 months, a chronic treatment.
Chronic treatments may be subject to clinical protocols and limited to R1000pa less any amount claimed for vaccinations.
Vaccinations and chronic treatments are covered up to an annual limit of R1,000 inclusively, per policy year and subject to an excess of 15% per claim.
Yes. As long as your pet is within the borders of the Republic of South Africa, your pet will be covered. We are not currently able to offer cover to areas outside of the R.S.A.
No. DogSure Pet Health Insurance does not pay out money upon a pets death.
No. Cremation and burial fall outside of the scope of DogSure Pet Health Insurance.
We only cover euthanasia if it is recommended by a vet.