Vetnuus | January 2025 13 Leading Article Coverbokkie is an agent for other insurance companies. Petsense is an agent for other insurance companies. Petinsure is an agent for other Insurance companies AAPet - It appears that AAPet only insures cats and dogs - All insurance is risk-based. You can only receive a schedule of Insurance and Benefits after completing the application. - Policies cover a wide range of veterinary expenses, including diagnostic tests, surgery, hospitalisation, and medication. They offer a range of different limits to suit your budget and your pet’s needs, so you can choose the level of cover that is right for you. - Once you make a claim, they will pay out according to the standard rates and annual limits, less any excess or levy that may be due by you. This ensures that you are not left with unexpected costs. - They are committed to providing a high level of customer service, so you can always reach out to them if you have any questions or concerns about your policy. - This section explains what an Excess is and how it is calculated. An Excess is the amount that you are responsible for paying on each claim, which is deducted automatically after the payout has been calculated. The Excess amount varies depending on the situation. Here are the details: - Excess: R150 or 10% of the benefit, whichever is higher. - If your pet is under 13 months old when treated, a minimum excess of R330 will be charged. - If you receive treatment for the same condition within 31 days, an excess of 16.5% will be charged. - Script Levy: If you have a chronic condition, you pay R100 for the first script. - If you have a non-chronic condition, you pay R50 for the first script, as stated in your Schedule of Insurance and Benefits. Plan Types Lite Plan Liteplan Plus Essential Plan Ultimate360 Plan Accident plan Covers Waiting Periods Premium per dog per month from R 299 R 590 R 410 R 590 R 257 Premium per cat per month from R 199 R 450 R 270 R 390 R 257 Overall annual limit R 40 000 R 40 000 R 60 000 R 72 000 R 25 000 Excess 25% of claim minimum of R300 25% of claim minimum of R300 15% of claim R150 minimum Hospital access N/A N/A 25% minimum of R350 25% minimum of R350 N/A Day2Day access N/A N/A R300 R300 N/A Holistic Wellness/ Supplements/ Emergency boarding N/A N/A 18% of claim 18% of claim N/A Dental Care N/A N/A N/A 25% of claim minimum of R500 N/A >>>14
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