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:
R284 for dogs & R198 for cats
WHAT IS PAWPAW
PawPaw is an insurance product designed to cover the unexpected veterinary costs that pet cats or dogs may incur as a result of illness or injury. PawPaw is underwritten by Renasa Insurance Company (Pty) Limited (Renasa) and administered by Pet Underwriting Managing Agency (Pty) Ltd (P.uma). In return for paying your premium, Renasa will cover the pet cat or dog named in the policy schedule for the cost of fees incurred as the result of veterinary treatments for illness and injury.
All pets from 8 weeks to 8 years can join the PawPaw policy. We do offer Accidental Cover for pets older than 8 years (Accidental cover is offered on a different policy). The pets must be a household pet in the RSA. All vaccinations must be up to date at the time of joining and must be kept up to date. The PawPaw policy has a waiting period of 30 days from the inception of the policy. Your pet is immediately covered for accidental injuries, as long as the policy has incepted.
1. WHAT WE COVER
1.1. PawPaw covers the cost of veterinary treatments required to appropriately treat illnesses or injuries that the insured pet may suffer. The treatments covered include, but are not limited to:
1.1.1. Consultation, acute medication, initial diagnostics, x-rays, biopsies, and tests.
1.1.2. Rehabilitation (post-operative only) treatments, specialist referrals, further diagnostic workups, blood tests, MRI / CT scans, radiology, radiation/chemotherapy, surgeries, chronic medication, and prosthesis require pre-approval and is subject to case management and clinical protocols. The underwriting manager will require a detailed treatment plan from the treating Vet.
2. ANNUAL LIMITS / WAITING PERIODS AND EXCLUSIONS
2.1. The "annual limit" on an insurance policy is the maximum amount that the insurance policy will cover for your pet in a policy year. The PawPaw policy is unlimited, per pet per policy year.
2.2. WAITING PERIOD
6 month waiting period from inception of the policy for all treatments, diagnostics and surgeries for:
2.2.1. Lameness and/or limping resulting from hips, knees, elbows, shoulders and/or spinal conditions;
2.2.2. Ectropian, Entropian and Cherry eye;
2.2.3. Elongated soft palate and stenotic nares; and
2.2.4. Urinary bladder stones and Urinary bladder conditions.
2.3. Important: If any symptoms manifest in, or are treated in the waiting period, a full exclusion will be placed on the policy.
the underwriting manager of PawPaw Pet Insurance will place a full exclusion for Pyometra and Cryptorchid [diagnostics, treatment, and surgery] if the pet has not been sterilized. the underwriting manager of PawPaw Pet Insurance encourages responsible pet ownership and advocate sterilising your pets to avoid these avoidable health complications.
3. EXCESS STRUCTURE
3.1. All claims will carry 15% excess, with a minimum of R250.00 per claim; and
3.2. All gastro related claims will carry 15% excess, with a minimum of R500.00 per claim
4. CHRONIC MEDICATION
4.1. A chronic condition is one that lasts 3 months or more. Chronic diseases are in contrast to those that are acute (abrupt, sharp, and brief) or subacute (within the interval between acute and chronic). Chronic treatment plans may be purchased at an additional premium as a complement to this insurance plan.
4.2. Chronic plans are available in the following packages [medication cost only]:
4.2.1. For an additional premium of R100.00 pm, you will receive a chronic benefit of R300.00 pm, or
4.2.2. For an additional premium of R200.00 pm, you will receive a chronic benefit of R400.00 pm, or
4.2.3. For an additional premium of R300.00 pm, you will receive a chronic benefit of R500.00 pm.
4.3. Diagnostics such as blood tests and scans, to manage and/or maintain the condition, are not subject to these limits and MUST be pre-authorised separately to be covered under the annual limit.
4.4. Chronic treatment plans are subject to treatment protocols (appropriate treatment plans) as determined and approved by the underwriting manager of PawPaw Pet Insurance (under the guidance of our Vet). A detailed treatment plan must be submitted by the treating Vet for approval by the underwriting manager.
4.5. Should your pet no longer require chronic treatment, you can cancel the chronic plan by providing 30 days’ notice. Once the treatment plan is canceled, your premium will return to the normal premium.
4.6. Important to note, should your pet require chronic medication (for an illness that occurred three times or more in a policy year), and you elect not to participate in the chronic plan, the underwriting manager of PawPaw Pet Insurance will not pay for any investigation or treatment linked to the chronic condition
5. PAWPAW LIFESTYLE BENEFITS
5.1. The PawPaw lifestyle benefit will pay for the cost of cremation up to R1,000.00 for your pet. This amount will only be paid on receipt of a valid invoice from the Crematorium or Vet.
5.2. The PawPaw lifestyle benefit will pay up to a maximum of R 600.00 towards, either, an Annual Health check-up or puppy socialization classes. This benefit is available once per policy year.
The health check-up comprises:
5.2.1. Consultation fee
5.2.2. Faecal Float Testing
5.2.3. Urine Testing
5.2.4. Ear/Eye Check
5.2.5. Blood Screening Test
5.2.6. Weight Checks
5.3. This amount will only be paid on receipt of a valid invoice from the relevant Veterinarian.
5.4. It is important to note that all vaccinations are EXCLUDED.
6. IMPORTANT NOTES
6.1. 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 1 June each year. The premiums are subject to inflation.
6.2. There is an excess fee of 15% for every claim with a minimum of R250 per claim that you must pay. All gastro related claims will carry a 15% excess, with a minimum of R500.00 per claim.
6.3. All non-emergency treatments (in terms of 1.1.2 “what we cover”) must be pre-authorised by the underwriting manager of PawPaw Pet Insurance. Should you not obtain pre-approval, your excess will be increased to 20%, with a minimum of R500.00 per claim.
6.4. You agree to disclose all information relating to the pet’s health and condition at the time of signing up for cover and thereafter. This includes all examinations and/or treatments as well as signs and symptoms your pet received or displayed prior to applying for the insurance. Failure to do so could result in the cancellation of your policy due to non-disclosure. Please note, new underwriting terms might be offered, and should you not accept the new underwriting terms, your policy will be canceled.
6.5. the underwriting manager of PawPaw Pet Insurance reserves the right to contact your Vet(s) to obtain a full history for your pet. This information is utilized for our underwriting decisions.
6.6. You must notify the underwriting manager of PawPaw Pet Insurance of any emergency treatments within 72 hours of the event (firstname.lastname@example.org, email@example.com, firstname.lastname@example.org).
6.7. All claims must be submitted to the underwriting manager of PawPaw Pet Insurance within 60 days of the date of treatment (email@example.com, firstname.lastname@example.org, email@example.com).
If your claim is older than 60 days, it will be repudiated [due to late submission].
6.8. The underwriting manager of PawPaw Pet Insurance 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.
6.9. As the person responsible for the pet you are expected to take all reasonable steps to prevent injury and illness. Failure to do so may result in the rejection of claims and/or the cancellation of this policy.
6.10. 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.
7. WHAT WE DO NOT COVER
7.1. 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).
7.2. The underwriting manager of PawPaw Pet Insurance 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.
7.3. Any costs other than the costs of veterinary treatments for the pet listed on the policy.
7.4. The costs for the treatment of any illness within the first 30 days of joining PawPaw Pet Insurance. (The costs of treatments for trauma resulting from the accidental injury are covered in this period).
7.5. Any invoices submitted more than 60 days after the date of treatment.
7.6. The costs for any treatments for injuries and illness incurred outside of the Republic of South Africa.
7.7. Any injury caused by abuse or negligence. We will report all abuse to the relevant authorities.
7.8. Any treatment that continues for longer than 3 months unless approved by the underwriting manager of PawPaw Pet Insurance and subject to chronic treatment protocols (section 4).
7.9. 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).
7.10. The treatment of behavioral disorders.
7.11. Any routine care such as vaccinations, dental scale, and polish, anal gland expression, de-worming, grooming, tick and flea control or any food costs.
7.12. Any elective or cosmetic treatments.
7.13. Any treatments in connection with pregnancy, birthing, fertility and breeding (any complications suffered as a result as one of these), sterilization, artificial insemination and injuries resulting from breeding.
7.14. House calls, travel costs, after-hours consultation or hospitalisation unless a vet confirms it as necessary in terms of the pet's health.
7.15. Any surgical items that can be used more than once. These are non-chargeable items.
7.16. The costs of any prosthesis, implants or transplantation unless explicitly approved by the underwriting manager of PawPaw Pet Insurance.
7.17. Any costs after death (post mortem examinations).
7.18. Any treatment by person/s not registered with the South African Veterinary Council.
7.19. We do not under any circumstance cover euthanasia unless recommended by a veterinarian.
7.20. Any non-emergency treatment undertaken without the prior approval of the underwriting manager of PawPaw Pet Insurance.
7.21. Any cost related to post mortem examinations.
This policy may be terminated upon giving one months’ written notice of cancellation and the cancellation shall be effective from the first day of the calendar month following the notice.
Contact us for PawPaw Pet Insurance
GVC Brokers, Unit B16, Pinelands Business Park, New Mill Road, Pinelands, Cape Town, 7405
PO Box 38692, Pinelands, Cape Town, 7430
T 0215315882 / 0215315855
For Pre-Authorisations please call 0215315882
Your PawPaw Pet Insurance Broker: GVC Brokers FSP12925
The insurer of PawPaw Pet Insurance: Renasa Insurance Company Ltd - Reg. No. 1998/000916/06 - VAT No. 4290173253 - FSP No. 15491
Underwriting Manager of PawPaw Pet Insurance: Pet Underwriting Managing Agency - Reg. No. 2011/107009107 - VAT No. 4280260425 - FSP No. 44387