Checkers Pet Insurance, in collaboration with OUTsurance, offers pet owners an array of insurance plans designed to cater to the varied needs of pets. With premiums starting at an affordable R69.00 per month and annual coverage limits ranging from R15,000.00 to R40,000.00, Checkers Pet Insurance ensures your pet receives the best medical care without breaking the bank.
Overview of Checkers Pet Insurance Plans
Plan Options
Checkers Pet Insurance offers three distinct plans:
- Accidental Cover
- Core Cover
- Comprehensive Cover
Each plan is tailored to provide different levels of coverage, ensuring pet owners can choose a plan that best fits their needs and budget.
Monthly Premiums and Coverage Limits
- Accidental Cover: Premiums start at R69.00 per month with an annual limit of R15,000.00.
- Core Cover: Premiums start at R145.00 per month for cats and R169.00 per month for dogs with an annual limit of R40,000.00.
- Comprehensive Cover: Premiums start at R210.00 per month for cats and R315.00 per month for dogs with an annual limit of R40,000.00.
Excess Fees
All claims for accidents and illnesses have a fixed minimum excess fee of R550.00, while routine care coverage does not require an excess fee.
Coverage Details
Accident Coverage
All Checkers Pet Insurance plans include accident coverage. This covers incidents such as:
- Motor vehicle accidents
- Burns
- Electrocution
- Near drowning
- Snake bite toxicity
- Bone fractures
- Swallowed foreign objects requiring surgical or endoscopic removal
- Allergic reactions to insect bites (excluding tick or flea bites)
- Bite wounds or fight wound abscesses
- Lacerations, abrasions, wounds
- Tooth fractures
Illness and Vet Visits Coverage
Only the Core and Comprehensive plans cover illnesses and vet visits. This includes:
- Vet consultations
- Prescribed medication
- Diagnostic tests
- Dental checks
Routine Care Coverage
Routine care coverage, available as an add-on to the Comprehensive plan for an additional R89.00 per month, covers:
- Deworming
- Vaccinations
- Voluntary sterilization
Detailed Breakdown of Checkers Pet Insurance Plans
Accidental Pet Cover
The entry-level plan covers accidental injuries for both dogs and cats. Key features include:
- Premiums starting at R69.00 per month
- Annual limit of R15,000.00
- Accident coverage up to R9,000.00 per claim
- No annual limit on accidental injury claims
Core Pet Cover
The Core Pet Cover plan provides broader coverage for unforeseen accidents and illnesses. Key features include:
- Premiums starting at R145.00 per month for cats and R169.00 per month for dogs
- Annual limit of R40,000.00
- Accident coverage up to R30,000.00 per claim
- Illness coverage with a 60-day waiting period, up to R28,000.00 per claim
- Vet visit coverage up to R4,000.00 per year with a 30-day waiting period
Comprehensive Pet Cover
The most premium option, this plan covers accidents, illnesses, and routine care. Key features include:
- Premiums starting at R210.00 per month for cats and R315.00 per month for dogs
- Annual limit of R40,000.00
- Accident coverage up to R30,000.00 per claim
- Illness coverage with a 60-day waiting period, up to R28,000.00 per claim
- Vet visit coverage up to R4,000.00 per year with a 30-day waiting period
- Optional routine care coverage for an additional R89.00 per month, with an annual limit of R750.00
Key Benefits of Checkers Pet Insurance
Fixed Excess
Checkers Pet Insurance features a fixed excess amount, ensuring you know exactly what you’ll pay out-of-pocket for each claim.
No Claim Forms
The claims process is fast and paperless, with no need for completing forms by your vet.
Comprehensive Cover Limits
The plans pay up to the maximum cover limits without being restricted by tariffs, ensuring comprehensive coverage of vet bills.
Discounts for Multiple Pets
Insuring more than one pet with OUTsurance can qualify you for discounts on your premiums.
Waiting Periods
Checkers Pet Insurance has specific waiting periods for different types of coverage:
- Accidents: No waiting period
- Illness: 60-day waiting period
- Vet Visits: 30-day waiting period
- Routine Care: 30-day waiting period
- Hereditary, Pre-existing, and Congenital Conditions: 12-month waiting period
Advantages and Disadvantages
Advantages
- Variety of Plans: Three distinct plans to choose from.
- Affordable Premiums: Starting at R69.00 per month.
- Optional Routine Care: Can be added to the Comprehensive plan.
- Comprehensive Coverage: Includes accidents, illnesses, and vet visits.
Disadvantages
- No Rewards Program: No cashback or rewards for policyholders.
- No Excess Waiver: No option to reduce the excess amount payable.
- Limited Add-ons: Only one add-on available, and it is exclusive to the Comprehensive plan.
Conclusion
Checkers Pet Insurance, in partnership with OUTsurance, offers an affordable and comprehensive solution for pet owners in South Africa. With premiums starting at R69.00 per month, and a range of plans covering accidents, illnesses, and routine care, pet owners can ensure their pets receive the best possible care. The inclusion of discounts for multiple pets and a straightforward, paperless claims process adds to the appeal, making Checkers Pet Insurance a competitive option in the pet insurance market.
For more information and to choose the best plan for your pet, visit the Checkers Pet Insurance website.
