Oneplan Pet Insurance Review 2026
Oneplan offers five pet insurance tiers, from basic accident cover to comprehensive plans that include routine care. Verified against Oneplan's own site in July 2026.
| Plan | Premium (from) | Annual cover limit | What it covers |
|---|---|---|---|
| Accident | R80/month | R8,500 | Accidents only |
| Primary | — | R18,000 | Day-to-day care + hospital, plus R1,000/year routine benefit |
| Hospital | — | R48,500 | Hospital admission focus |
| Classic | — | R52,000 | Comprehensive, incl. routine care |
| Super | Up to R430/month | R75,000 | Most comprehensive; R7,000/year routine benefit, hospital admission caps up to R58,000/event |
Key details
- No fixed vet network — you can use any vet, and the Oneplan Claim Card can front cash before your visit.
- Optional Pet Med Booster add-on: R35–R90/month for extra routine-care cover.
- Waiting periods: 30 days for casualty/vet-visit claims, 60 days for hospital illness and kennel cover, 12 months for pre-existing conditions and burial/cremation cover. A 14-day gap is required between related vet-visit claims.
- Age limits: small dogs and cats must be under 11 years old to newly qualify for Classic/Super; the Accident Plan has no age limit.
Is it worth it?
The tiered structure means you're not stuck choosing between "basic" and "comprehensive" — the Primary and Hospital plans sit in between if you want more than accident-only cover without paying for routine care you might not use. Check the waiting periods carefully before switching from an existing policy, since a 12-month pre-existing-condition wait can catch out pets with an existing diagnosis.
How to apply
Apply online at oneplan.co.za; claims can be pre-funded via the Oneplan Claim Card before your vet visit.
