Pet Insurance: How It Works & Why It’s Worth It!

You insure your car, your home, and even your life, but what about your pets? As a pet parent (or “pawrent”) to a beloved fur baby, you know how much joy and companionship animals bring to a family. But with that joy comes responsibility, and unexpected vet bills can be a financial shock.

At 1st for Women, we believe pets are part of the family. That’s why we offer three flexible Pet Insurance plans designed to help you manage veterinary expenses — from emergency surgery to routine check-ups, from hospital stays to pet transport.

What is Pet Insurance?

Pet insurance is a policy that helps cover the cost of veterinary care. Just like human health insurance, it allows you to claim back a portion of your medical expenses after paying your vet.

Did you know? One in three pets will require emergency veterinary treatment at least once in their lifetime. Because Pet Insurance doesn’t cover pre-existing conditions, it’s best to take out a policy before health problems arise.

At 1st for Women, we also cover more than just cats and dogs. Some of our plans extend to birds, reptiles, fish, and other pets. Speak to our consultants to confirm your pet’s eligibility.

How Pet Insurance works with 1st for Women

1. Visit your vet when your pet needs treatment.

2. Pay the vet directly for the services provided.

3. Submit your claim to us, along with the invoice.

4. We’ll reimburse you for the covered portion of the bill.

Our claims process is simple, and depending on your plan, you can claim for:

• Accident and illness treatment

• Hospital stays

• Surgery and post-surgery care

• Wellness check-ups

• Transport via our Pet Taxi service

Pet Insurance vs. Pet Medical Aid

While both help with vet bills, pet medical aid generally covers smaller, everyday healthcare needs, like routine check-ups or minor treatments.

Pet Insurance, on the other hand, covers bigger, more expensive events, such as surgeries or hospital stays. At 1st for Women, our Top to Tail Classic and Premium Paws plans also include some routine care cover, giving you the best of both worlds.

Why you should consider Pet Insurance in South Africa

Owning a pet is rewarding, but vet care can quickly add up:

• Vaccinations – ±R500*

• X-rays – ±R6,000*

• Sterilisation & deworming – ±R2,500*

Without cover, these costs come out of your pocket. With 1st for Women Pet Insurance, you can claim up to R150,000 a year for vet expenses (T&Cs apply), meaning you can focus on your pet’s recovery instead of your bank balance.

What Pet Insurance covers (and what it doesn’t)

Covered (depending on plan):

• Accident and illness treatment

• Hospitalisation

• Post-surgery care

• Pet Taxi service

• 24/7 Vet@First healthcare line

• Wellness care (selected plans)

Not Covered:

• Pre-existing conditions

• Certain hereditary or congenital conditions (on basic plan)

• Treatments outside your plan limits

Waiting Periods

• Accident claims – No waiting period

• Illness, wellness, diagnostics – 30 days

• Natural death (e.g., old age) – 6 months

• Congenital/hereditary conditions – 12 months

No excess is payable for wellness care, dignified farewells, or third-party liability claims.

How much does the best Pet Insurance cost?

We offer three levels of cover:

1. Fur Baby Basic. Essential accident and illness cover

2. Top to Tail Classic. Extended benefits, including some wellness cover

3. Premium Paws. Maximum protection for your pet’s health

Plans start at R100 per month for cats and dogs. Prices vary depending on your pet's type, age, and breed and the level of cover you choose.

FAQs about Pet Insurance in South Africa

• Is Pet Insurance worth it in South Africa?

Yes. Vet bills can be costly, and pet health cover ensures you can afford quality care without financial strain.

• Can I insure my senior pet?

Yes, but waiting periods and certain exclusions may apply.

• Are vaccinations covered?

Routine vaccinations are covered under certain plans, such as Premium Paws.

• Can I choose any vet?

Yes. You can visit the vet of your choice in South Africa.

• How long does it take to get reimbursed?

Most claims are processed within a few working days, provided all documents are submitted.

Get a free Pet Insurance quote today

Your pets are family. Give them the healthcare they deserve without worrying about the cost. Get a Pet Insurance quote today and find out how affordable peace of mind can be.