Oneplan Pet Insurance, starting from R80.00 per month, offers a range of coverage options for various pets, including dogs and cats up to 11 years old. The insurance also covers pets with preexisting and hereditary conditions. For 2024, Oneplan introduces improved features and benefits, ensuring comprehensive pet care.
Overview of Oneplan Pet Insurance Plans
Oneplan offers five distinct pet insurance plans:
- Accident Plan
- Primary Plan
- Hospital Plan
- Classic Plan
- Super Plan
Each plan is tailored to meet different needs and budgets, providing coverage for accidents, illnesses, and routine care.
Oneplan Accident Plan
- Monthly Premium: From R80.00
- Annual Limit: R8,500.00
- Coverage: Unintentional injuries, day-to-day casualties (30 days), medication (30 days), and hospital benefits up to R8,000.00.
Key Features:
- Excess: 25% for the first 6 months, then 10% with a minimum of R500.00 per claim.
- Burial and Cremation: Up to R1,500.00.
- Maximum Pets: 8 per policy.
Oneplan Primary Plan
- Monthly Premium: From R160.00
- Annual Limit: R18,000.00
- Coverage: Accident and illness benefits, routine care, and hospital benefits.
Key Features:
- Diagnostic Procedures: Adds R3,000.00 per annum for R120.00 per month.
- Pet Med Savings: R350.00 per annum for R35.00 per month.
Oneplan Hospital Plan
- Monthly Premium: From R190.00
- Annual Limit: R45,000.00
- Coverage: Pet hospitalization, post-operative care, kennel coverage, and burial and cremation costs.
Key Features:
- Add-Ons:
- Excess Buster: R30.00 per month, eliminating excess fees.
- Pet Med Booster: R35.00 per month, adding R350.00 to the Pet Med Savings account.
- Multiple Pet Discount: 5% for second pet, 10% for three or more pets.
- Post-Operative Care: Up to R2,000.00 per year.
Oneplan Classic Plan
- Monthly Premium: From R280.00 for cats and R300.00 for dogs.
- Annual Limit: R48,000.00
- Coverage: Comprehensive coverage including hospitalization, routine care, and diagnostic procedures.
Key Features:
- Excess: 25% for the first 6 months, then 10% with a minimum of R500.00 per claim.
- Kennel Cover: Up to R1,650.00 per event.
- Add-Ons:
- Excess Buster: R35.00 per month.
- Pet Med Booster: R75.00 per month, adding R750.00 to the Pet Med Savings account.
Oneplan Super Plan
- Monthly Premium: From R430.00 for cats and R450.00 for dogs.
- Annual Limit: R70,000.00
- Coverage: The most comprehensive plan covering all aspects of pet care.
Key Features:
- Multiple Pet Discount: 5% for second pet, 10% for three or more pets.
- Add-Ons:
- Excess Buster: R40.00 per month.
- Pet Med Booster: R85.00 per month, adding R850.00 to the Pet Med Savings account.
- Hospital Admission: Up to R58,000.00 per event.
- Post-Operative Care: Up to R5,250.00 per annum.
Advantages of Oneplan Pet Insurance
- Variety of Plans: Options to suit different needs and budgets.
- Optional Add-Ons: Customizable to enhance coverage.
- Multiple Pet Discounts: Economical for households with multiple pets.
- No Excess with Excess Buster: Reduces out-of-pocket expenses.
- Pet Med Savings Account: Helps manage routine care costs.
- Pre-Payment Feature: Get paid before visiting the vet with the Oneplan App and Claim Card.
Disadvantages of Oneplan Pet Insurance
- Waiting Periods: Illness claims have a 60-day waiting period, and the first 6 months come with a 25% excess.
- Exclusions: Certain conditions like cancer, arthritis, and congenital issues are excluded for the first 12 months.
Conclusion
Oneplan Pet Insurance offers a diverse range of affordable and comprehensive plans for pet owners. With the flexibility to add optional benefits and the convenience of managing policies online, Oneplan is an excellent choice for ensuring your pet’s health and well-being. For more information or to get a quote, visit Oneplan’s official website.
