Auto & General Pet Insurance Review 2026
Auto & General offers three pet insurance tiers. Verified against Auto & General's own site in July 2026 — exact rand cover limits and premiums are quote-gated and couldn't be confirmed this pass, flagged below.
Plan tiers
- Emergency: the base tier, for accident/emergency cover.
- Core: adds third-party liability cover and "Dignified Ending" (end-of-life) cover on top of Emergency.
- Premium: the top tier, adding higher cover limits plus diagnostics and scans.
General benefits across the range include surgery and hospitalisation, consultations, dental cleaning, vaccinations, sterilisation, deworming, and post-surgical physiotherapy/hydrotherapy. Insuring more than one pet gets you up to a 15% multi-pet discount.
Excess structure (confirmed)
- No excess on check-ups, end-of-life care, or third-party liability claims.
- 10% excess on minor care/diagnostic claims.
- 25% excess (minimum R500) on surgery/hospitalisation claims for your first 6 months of cover, dropping to 10% (minimum R500) from month 7 onward.
What we couldn't verify
Auto & General doesn't publish exact rand cover limits per plan, premium ranges, or specific waiting-period day counts — these are only available once you start a quote with your pet's details. Don't assume a figure; get a personalised quote instead.
Is it worth it?
The tiered excess structure (dropping after 6 months) rewards staying with the policy, and the clear tier naming makes it easy to see what each level adds. Get quotes from a few pet insurers — including 1st for Women and Oneplan — before deciding, since cover limits and premiums vary a lot by provider.
