Dogs, cats and their proud owners get a lot of “airtime”, or should we say “social media time” these days, and it reminds us of the important roles our feline and canine companions play in our lives.

The idea of pet ownership might have shifted in the last decade but so has the financial commitment it takes to keep the food bowls topped up with premium chow and the plush sleeping quarters propped up with squeaky toys.

With their increased visibility and importance, it’s only natural to think about your pets’ health and well-being.

Just like us, pets can face unexpected health issues, and veterinary bills can add up quickly.

When (not if) your pet gets ill, can you comfortably pick up the vet bills?

Either you are in the fortunate financial position to be able to pick up any vet bill, regardless of the size, or, like most of us, you have a threshold you can absorb.

Enter GENRIC Pet Insurance, which will help you pay for unexpected costs if your pets have an accident or become ill.

Pet Insurance Plans

There are 5 plans to choose from, designed to suit any budget:

1. Essential: Covers vet consultations only.
2. Accident Only: Covers medical expenses linked to an accident.
3. Hospital Only: Covers all in-hospital related expenses.
4. Comprehensive Medical Expenses: Covers accidents + illness.
5. Comprehensive Medical Expenses + Covers accidents + illness plus more.

Annual Benefit Thresholds & Premiums

Each of the plans has an overall annual benefit threshold, as illustrated below:

*Premiums may be reviewed annually.

Additional Features

At the end of this blog post, please make sure to download a full benefit brochure, which makes it really easy to cross-reference the different plans and premiums.

So, what else is included in the policy?

• Double-Up Option: If you want to double up on your annual benefits, simply double up on your premium and get a discount on two pets. It’s a neat feature because you can set your own price point. For example, if you can afford R500 per month but want R70,000 in annual benefit cover, you could take the Hospital Only option at R240 and Double-Up.
• Routine Care Option: This includes R1,500 built into the policy for routine care check-ups.
• Direct Payment: Direct settlement with your vet.

Is there anything else to know about in the policy fine print?

Here are some considerations:

• Only dogs and cats are covered.
• Working dogs, like service and therapy dogs, qualify.
• There is an age limit of 8 weeks (min) to 9 years (max).
• There is an excess of 10% (minimum R500).
• There is no third-party liability cover on the Essential, Accident Only and Hospital Only plans up to R200,000.
• There is a general 31-day waiting period before you can claim, 12 months for any pre-existing condition, and 6 months for certain listed conditions.

Additional Cover – Only applicable to the Comprehensive Medical Expenses + Plan

This premium plan includes a little more bang for your buck. If you are considering the Rolls Royce package, here are the extra benefits included in this option:

• Alternative/Complementary Treatment.
• Boarding Fees.
• Advertising and Rewards if your pet goes missing.
• Missing or stolen pet compensation.
• Dental Cover.
• Death Benefit.
• Diet Contribution.

Our Commitment to Your Pet

At GENRIC, we understand that your pet is more than just an animal – they’re a beloved member of your family!

That’s why we are committed to providing the best possible care and protection for your furry friends. Our range of pet insurance plans are designed to offer you peace of mind and ensure that your pet receives the medical attention they deserve, without the financial strain on you.

Trust us to help you take the best care of your pet because their health and happiness are our top priorities.