Compare South Africa's best pet insurance plans side by side. Written by people who understand what vets actually charge — so you don't get caught underinsured.
| Insurer | From | Annual Limit | Claim Speed | Pre-existing | Multi-pet | Best For | |
|---|---|---|---|---|---|---|---|
| Dotsure | R99 | R50k–R75k | 3-5 days | Excluded | 15% off | Custom plans, breed-specific | |
| Oneplan | R80 | Unlimited | Same day | Excluded | — | Unlimited vet visits | |
| OUTsurance | R120 | R60k | 1-3 days | Excluded | Quick payouts, trusted brand | ||
| Medipet | R90 | R70k | 5-7 days | Excluded | — | Longest-running SA insurer | |
| PawPaw | R85 | R50k | 3-5 days | Excluded | — | Boutique, personal support | |
| Checkers Pet | R69 | R30k | — New | Excluded | — | Budget-conscious pet owners |
Best for pet owners who want full control. 8 plans from accident-only to comprehensive. Covers alternative therapies and behavioural consultations on higher plans.
8 plan optionsCovers alternative therapiesPre-existing exclusions strictTop pick from a vet's perspective. Unlimited vet visit cover, same-day claims, and pre-authorisation for big surgeries. Uses a prepaid card system — vets love it.
Unlimited vet visitsSame-day claimsPrepaid card systemFastest payouts in SA (1-3 days typical). Cash-out bonus if you don't claim. Trusted brand, but slightly higher premiums than competitors.
1-3 day payoutsCash-out bonusHigher premiumsSA's longest-running pet insurer. Reliable but conservative — fewer plan options than Dotsure or Oneplan. Good for older pets that other insurers might decline.
Long track recordGood for older petsFewer plan choicesBoutique insurer with personal, hands-on support. Smaller company means more personalised service but fewer resources than the big players.
Personal supportBoutique experienceSmaller companyR69/month makes it the cheapest option in SA. Launched 2025. Good for basic accident cover but low annual limit (R30k) won't cover major surgeries.
Cheapest at R69/moR30k annual limitNew, unproven claimsTakes 30 seconds