What is MediPet?
MediPet is specialised, affordable medical pet health insurance for your dogs and cats. We cover medical expenses for your pet, giving you peace-of-mind that they will receive the best medical care when they need it.
Who are your underwriters?
Medipet is underwritten by Renasa Insurance Company Limited, www.renasa.co.za
What are some of the illnesses that are covered?
Medipet covers most conditions from ear infections, bee stings, eye infections, broken bones, diabetes, teeth cleaning, swallowing foreign objects and biliary to cancer. All major illnesses, injuries and accidents are covered.
How do family policies work?
While we do provide multiple pet family memberships with a discounted premium, each pet has their own policy with Medipet, and claims are treated and reviewed individually.
Is routine care covered by Medipet?
We cover every day routine care such as vaccinations, tick and flea treatment, deworming, micro chipping and sterilization up to R1,000 per pet per year in our add-on Top Dog & Top Cat policy. The R60 monthly cost is per pet, not per family.
What is a sub-limit?
Most insurance companies set sub-limits or caps on the amount of coverage available to cover a specific treatment within their policy. For example, they may limit how many injections, x-rays, or doctor visits they cover per year.
Medipet does not have sub-limits on treatments related to accidents, illnesses or emergencies. Option 1 and 2 both contribute up to R35,000 per year in claims. The annual limit on Accident Only is R20,000 per year. We do not prescribe how much within this annual limit can be used for what.
Only our special benefits that fall into the wellness category such as prescription dog food, dental, behaviour, supplements, hydrotherapy/physiotherapy/homeopathy/acupuncture and routine care have their own limits.
Which conditions are excluded?
To keep premiums low, the following conditions are currently not covered:
- elective procedures
- pre-existing conditions before inception of this policy
- foods & diets of your choice (unless specifically advised by your vet to assist in clearing up a medical condition).
Do you cover hereditary / congenital conditions?
Yes, we cover these conditions, so long as they are not present prior to application, nor show signs or symptoms during applicable waiting periods.
How about chronic medical conditions?
Should your pet develop a chronic medical condition while covered by Medipet, which is anything that requires treatment for 3 months or longer, we will then offer you an individual care plan & premium to assist with your pet’s special needs.
Can I claim for complementary treatments and medicines?
Yes, we will cover you for complementary treatments such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture, currently up to the annual limit of R5000 per pet.
Is there a maximum age limit for new applications?
Medipet does not have a maximum age limit, however if your dog is joining Medipet and is 9 years or over then they will be offered the Accident Policy only. If your dog is already 8 years old at the time of sign up, a complete veterinary history will be required in order to consider him/her for cover under Options 1 or 2. If your cat is joining Medipet and is 9 years or over, we will need a complete medical history from your vet to determine the cover offered.
What does lifelong cover mean?
This means we’ll cover your pet up to your annual limit each and every year no matter how old they get, for as long as you renew their policy annually.
Can I still apply if my pet’s vaccinations are not up to date?
Yes, but all vaccinatible diseases and any related complications will be excluded.
Can I see any vet?
You can visit any registered vet in South Africa.
Does your Accident Only policy only cover in-hospital care?
Not only do we cover your pet whilst they are in hospital, but should they require follow-up visits, more tests etc. (for a condition covered by the policy), we will cover these costs up to the policy limit of R20,000 per pet per year.
Does my pet have to have a microchip or tattoo?
No, but it is always a good idea to have one anyway, to assist in case your pet gets lost and is taken to a vet with an injury in your absence.
Is there a “waiting period” for new members before I can make a claim?
There is an initial 30-day no-claim period followed by a 30-day 50%-shared co-payment period, after becoming a new member. Your pet will, of course, be covered for accidents from start date, in line with the Accident Only policy conditions.
How do I claim?
Simply complete a claim form and attach your vet bill. Online forms are downloadable here. You can also collect one from your vet, or email us on firstname.lastname@example.org for a copy. Once completed, attach all bills and you can either email a scanned, legible copy to email@example.com, fax it to (021)701 2027, or post to us: Po Box 31596, Tokai, 7966.
How are claims paid?
Claims are refunded directly to you. After we’ve received your claim form with the relevant vet’s bill/s attached, we will deposit your claim straight into the bank account you have specified.
What is a claim excess?
This is a small amount you agree to pay on every claim before we settle the rest of your vet bill. You will pay one per claim. This is not applicable under the Top Dog and Top Cat routine care add-on benefit.
Why do I have to pay excess?
This is standard practice to help all insurance companies keep your monthly premiums affordable.
How quickly will my claims be processed and I receive my refund?
At Medipet we pride ourselves on our unmatched 90% claim success rate. In addition to that, we usually process all claims within an average of 5 working days of receiving your complete claim form and supporting documentation. Refunds are usually made within 7 working says of receiving claims.
Is there a cut-off period after which I cannot make a claim?
Yes. We must receive your completed claim form at our offices within 60 days of the treatment being carried out.
Do you have a no-claim bonus?
Healthy pets are rewarded after two years with a no-claim discounted premium. Claims made to our Top Dog and Top Cat routine care add-on benefit do not affect claim status.
How can I pay?
We offer both monthly and annual payment options to our members. Our annual payment members receive a discounted premium – saving a month’s premium every year. These members pay via bank EFT once a year. Should you choose monthly payments, we will deduct your premiums via an automatic debit order from the bank account you specify. All cover will lapse in the event that your premiums not be paid.
Will my premiums increase every year?
All plan premiums have to increase marginally every year to account for vet cost increases.
What is the Veterinary Fee?
The Veterinary Fee is similar to an admin or broker fee all insurance policies carry. At Medipet our full-time qualified vet and veterinary nurse help by dealing directly with vet practices, and speed up your claim processes by presenting claims directly to the insurance underwriters.
Do you need any notice to cancel my policy?
If you decide to cancel your policy within the first 14 days (this is called “the cool-off period”) of becoming a member with us, you will be given a full refund of your premium(s) paid. After this period lapses, a 30-day notice period applies, and annual payment members will be refunded remaining premiums paid.
What if my pet dies?
In the sad event that your pet has passed away, the policy will be terminated after notifying us. We will require your vet practice to verify your pet’s passing. Refunds for premiums paid annually in advance will be calculated pro-rata. Policies cannot be transferred to new pets.