Product Information

PawPaw is an innovative Pet Insurance product for South Africa that provides cover for veterinary costs that South African pets may incur due to illness or injury. PawPaw is an affordable solution for any family with cats or dogs.

Cost per animal per month:
R255 for dogs & R178 for cats

Age Limit: - Up to 8 Years. (All pets under the age of 8 years will be covered by PawPaw Pet Insurance)
- All insured pets who turn 8 years old, will continue to enjoy lifetime cover and or for as long as the policy is active.

With PawPaw Pet Insurance you get:
- A pet health insurance that treats pets as patients, not property.
- A one page policy wording that is clear and concise with no hidden clauses or small-print.
- Our dedicated clinical case management ensures the most appropriate care is given to your pet at the time of need.
- Straight forward pre-authorisations for non-emergency treatments ensure that you do not face unexpected costs.
- Approved claims can be settled directly with the vet keeping out-of-pocket contributions to an absolute minimum.
- Pre-existing conditions are assessed by a qualified veterinarian, ensuring that the most appropriate cover is given to each and every pet.

Animal Surgery Comparison Pay Outs:

Most common conditions Average cost of treatment PawPaw Benefits Other Insurance
Entropian (Rolling in of eyelids) R 4 300 R 4 300 not covered
Corneal Perforation ( Tearing of eye) R 4 000 R 4 000 up to R2500
Diaphragmatic Hernia (Trauma to cats in MVA) R 9 000 R 9 000 up to R2500
Cryptorchidism (retained testicle) R 3 000 R 3 000 not covered
Fractures R 9 000 R 9 000 up to R 2 500
Cruciate Ligament Rupture (knee cap) R 5 000 to R 15 000 appropriate cost R 6 000 (1 per yr)
Elbow Dysplasia R 6 000 R 6 000 not covered
Spinal disc prolapse R9000 to R15000 appropriate cost not covered
Dog bites R1500 to R10000 appropriate cost up to R2500
Policy Wording
Please read this carefully
What is PawPaw?
PawPaw is an insurance product designed to cover the unexpected veterinary costs that pet cats or dogs may incur as the result of illness or injury. PawPaw is underwritten by RENASA INSURANCE COMPANY LTD. and administered by PET UNDERWRITING MANAGING AGENCY PTY LTD (P.UMA). In return for paying your premium, RENASA INSURANCE COMPANY LTD. will cover the pet cat or dog named in the overleaf policy schedule for the cost of fees incurred as the result of veterinary treatments for illness and injury.
Who can join?
Any pet cat or dog older than 8 weeks and younger than 8 years that is kept as a household pet in the RSA. All vaccinations must be up to date at the time of joining.
General requirements
  1. This policy will incept on the first day of the next calendar month following the acceptance of the application. The policy terms and premiums payable will be reviewed on the 1 June each year. The premiums are subject to inflation.
  2. There is an excess fee of 10% for every claim with a minimum of R200 per claim that you must pay.
  3. All non-emergency treatments must be pre-authorised by P.Uma.
  4. You agree to disclose all information relating to your pets health and condition at the time of signing up for cover and thereafter. Failure to do so could result in cancellation of your policy due to-non disclosure.
  5. You must notify P.Uma of any emergency treatments within 72 hours of the event.
  6. All claims must be submitted to P.Uma within 60 days of the date of treatment.
  7. P.UMA pays claims in accordance with the South African Veterinary Councils Guideline of Tariffs and reserves the right to request a second opinion from a vet of our choice regarding treatment and fees charged. If the fees are deemed excessive or the treatment deemed inappropriate we will pay the lesser amount with the balance being for your account.
  8. P.UMA reserves the right to refuse payment for repeated treatments if they are, under advice, deemed as ineffective or likely to cause the cat/dog undue distress.
  9. As the person responsible for the cat/dog you are expected to take all reasonable steps to prevent injury and illness. Failure to do so may result in rejection of claims and/or the cancellation of this policy.
  10. If there is another insurance policy covering the same claim, only the rateable proportion of that claim will be paid in terms of this policy.
  11. This policy may be terminated upon giving a one month written notice of cancellation and the cancellation shall be effective from the first day of the calendar month following the notice.
What we cover

1. PawPaw covers the cost of veterinary treatments required to appropriately treat illness or injuries that the insured pet may suffer. The treatments covered include, but are not limited to:

a. Consultation, acute medication, initial diagnostics, x-rays, biopsies and tests

b. Rehabilitation (post-operative only) treatments, specialist referrals, further diagnostic workups, blood tests, MRI / CT scans, radiology, radiation / chemotherapy, surgeries, chronic medication and prosthesis requires pre-approval and is subject to case management and clinical protocols. P.uma will require a detailed treatment plan from the treating Vet.

2. Chronic treatment plans may be purchased at an additional premium as a complement to this insurance plan. Chronic treatment plans are subject to treatment protocols (appropriate treatment plans) as determined and approved by P.uma (under the guidance of our Vet). A detailed treatment plan must be submitted by the treating Vet for approval by P.uma.

3. The PawPaw lifestyle benefit will pay for the cost of cremation up to a maximum of R1,000.00 for your pet. This amount will only be paid on receipt of a valid invoice from the Crematorium or Vet.

4. The PawPaw lifestyle benefit will pay up to a maximum of R 600.00 towards, either, a health check-up OR puppy socialization classes. . This amount will only be paid on receipt of a valid invoice from the relevant service provider. This benefit is available once per policy year.

5. Your pet is immediately covered for accidental injuries, as long as the policy has incepted

What we do not cover
  1. The treatment of pre-existing conditions, including any condition that manifests during any waiting period (If your pet is diagnosed with any illness/condition or a pre-existing injury is noted within the waiting period, these will become full exclusions on the policy).
  2. P.UMA reserves the right to refuse payment for repeated treatments if they are, under advice, deemed as ineffective, excessive or likely to cause the pet undue distress.
  3. Any costs other than the costs of veterinary treatments for the pet listed on the policy.
  4. The costs for the treatment of any illness within the first 30 days of joining PawPaw. (The costs of treatments for trauma resulting from accidental injury are covered in this period).
  5. Any invoices submitted more than 60 days after the date of treatment.
  6. The costs for any treatments for injuries and illness incurred outside of the Republic of South Africa.
  7. Any injury caused by abuse or negligence. We will report all abuse to the relevant authorities.
  8. Any treatment that continues for longer than 3 months unless approved by P.UMA and subject to clinical protocols.
  9. Any complementary treatments, experimental treatments or any treatments not forming part of mainstream veterinary science, including but not limited to acupuncture, physiotherapy, homeopathy, hydrotherapy, rehabilitation care (if not post-surgery and pre-approved).
  10. The treatment of behavioral disorders.
  11. Any routine care such as vaccinations, dental scale and polish, anal gland expression, de-worming, grooming, tick and flea control or any food costs.
  12. Any elective or cosmetic treatments.
  13. Any treatments in connection with pregnancy, birthing and fertility and breeding (any complications suffered as a result as one of these), sterilization, artificial insemination and injuries resulting from breeding.
  14. House calls, travel costs, after-hours consultation or hospitalisation unless a vet confirms it as necessary in terms of the pet's health.
  15. Any surgical items that can be used more than once. These are non-chargeable items.
  16. The costs of any prosthesis, implants or transplantation unless explicitly approved by P.UMA.
  17. Any costs after death (post mortem examinations).
  18. Any treatment by person/s not registered with the South African Veterinary Council.
  19. We do not under any circumstance cover euthanasia unless recommended by a veterinarian.
  20. Any non-emergency treatment undertaken without the prior approval of P.UMA.



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