Q: What is pet health insurance? A: Pet health insurance helps to pay for veterinary care when a pet dog or cat becomes ill or is injured. This provides you with peace of mind and helps you avoid having to make tough financial decisions about your pets health.

Q: Why do I need pet health insurance? A: While your pet might be healthy today, there is no way to predict what might happen in the future. With PawPaw Pet Health Insurance, you’ll be able to make sure that your pet has access to the best care possible in the event of an illness or accident, without having to make heart-breaking choices based on finances.

Q: What does PawPaw Pet Health Insurance cover? A: PawPaw Pet Health Insurance covers up to 90% of the veterinary bills for any unexpected illness or injury that your pet may suffer. As with any insurance, it is very important that you take the time to read the PawPaw policy terms and conditions before signing on and we encourage every prospective client to do so. The PawPaw policy document is a short, one page document written in clear concise language with no fine print or complicated clauses. If you have any questions please feel free to ask your broker, or alternatively email or phone us on 021 403 9177.

Q: How much does it cost? A: The premium for PawPaw Pet Health Insurance is R 255pm for dogs and R 178pm for cats, accident only cover is R107pm effective 01 June 2017 til 31 May 2018. Unlike many other per insurers, PawPaw Pet Health Insurance does not rate premiums based on breed or age.

Q: At what age can my pet join? A: Any dog or cat over the age of 8 weeks and under the age of 8 years may join PawPaw.

Q: Does my pet have to be micro-chipped or tattooed for cover? A: No. We do not require that pets be micro-chipped or tattooed.

Q: Does my pet have to be spayed for cover? A: No. Spaying is recommended for all dog and cat owners, however we do not exclude unspayed pets from cover nor do we charge any extra premium for unspayed pets.

Q: What are pre-existing conditions? A: Pre-existing conditions are any illness or condition that showed symptoms prior to joining the insurance or which show symptoms during the first month policy waiting period. A pre-existing condition can also be an injury or recurrence of an injury that occurred before signing onto the insurance. Some pre-existing conditions may be subject to specific waiting period or be excluded from cover. When signing up, you will see that the application form has a few questions regarding your pets medical history. You should be completely honest when answering these questions. Knowingly misleading the insurance company about your pet’s previous problems is considered fraud and could result in your policy being cancelled and claims not being paid. After receiving your application, PawPaw Pet Health Insurance will inform you of any exclusion your pet may have in writing allowing you to make an informed decision regarding your pets insurance.

Q: How do you know if a condition is pre-existing for a recently adopted pet? A: In the case where the pets history is unknown, we may ask for a veterinary check-up prior to acceptance. In this case the veterinary consultation will be for your account.

Q: When does my cover begin? Are there waiting periods? A: Cover begins on the first calendar month after sign-up. Cover for emergencies is immediate. There is a one month waiting period for all illnesses. This waiting period does not apply to treatments required due to emergencies.

Q: Do you offer lifelong cover after a pet has been accepted and the pet goes over the covered age limit? A: Yes. As long as your premiums are paid every month your pet will continue to enjoy full cover for its entire life.

Q: Are there limits to how much is paid for treatments? A: PawPaw has no limits or sublimits on specific conditions. All non-emergency treatments need to be preauthorised by PawPaw.

Q: Will a condition ever be considered pre-existing due to policy renewals? A: No. Your pets’ policy will continue to renew each month so long as your premiums are paid. We consider this to be continuous cover and we do not exclude conditions from year to year.

Q: Do you offer a multiple pet discount? A: No. Rather than raising our premium and offering various discounts, PawPaw Pet Health Insurance offers all it’s customers the same affordable premium.

Q: Does my pets age or breed affect the premium I will have to pay? A: No. We do not feel it is fair to penalise people for their particular choice of dog or cat. Q: What are hereditary conditions? A: Hereditary and congenital conditions are diseases or disorders that are inherited genetically. Certain breeds of dogs and cats are prone to specific conditions.

Q: Are hereditary and breed related conditions covered? A: PawPaw Pet Health Insurance covers hereditary conditions. As long as your pet hasn’t been diagnosed with the condition, or isn’t showing symptoms of the condition before sign-on or within the 30 day illness waiting period, cover will be available.

Q: Are age related illnesses and medications covered? Yes. As long as you pay your premiums, your pet will continue to be covered.

Q: Do you cover prescription medications? A: Yes. Coverage for prescriptions is included, provided that they have been prescribed by the treating veterinarian as treatment for an illness or accident and the illness or accident is not a pre-existing condition. Vitamins and heartworm/flea and tick preventives and other medication related to routine care is not covered . If your pet requires on-going medication for more three months, the medication may be deemed to be chronic and subject to clinical treatment protocols.

Dear Hanifa, I would like to share my pleasure with you in the way you and your company handled Lola’s eye operation. We were so thrilled with the quick response and positive attitude from the get go. The pay-out was also very prompt after the operation and more than we expected. I would like to thank you Hanifa and Paw Paws for a very positive experience. Regards, Sharon Malherbe, LaGratitude Bullmastiffs
“This claim was settled in no time at all, thank you for your professional and friendly service.”
“Thanks again for all your help. Your team have been absolute stars.”
What Stacey Elliot (client) had to say about one of our staff members: Please note that Daniel’s customer service and willingness to assist has far exceeded my expectations. He has responded when he said he would and kept me up to date the whole time. If only all companies had a Daniel I could deal with :). Truly an asset to your team.
“I would like to take this opportunity to mention how impressed I am with the service I got from you and your company. I cannot thank you enough for your professionalism and efficiency.”
I just want to thank the entire team for always providing the best service when I make contact with you. I enjoy working with you all. You make growing my business easier and are the reason I can provide my clients with the best service. Keep it up, thank you.
Thanks so much to Paw Paw Pet Insurance for settling the claim so generously and promptly – I am very impressed. Many thanks!, Kind regards, Dee Krause
Thank you I am most grateful and super happy with the settlement and service. You were all amazing. Warm wishes Christelle Colman
We’re happy to have made a difference in this furry friend’s life. Another happy PAWPAW client. “Thank you again for all of your help, it is very much appreciated and we are very grateful for insurance at this time.” Kind Regards, Tracey Roberts
“I really appreciate the great service I have experienced so far in my dealing with PawPaw insurance.”
Hi Shawn, thank you for your call & email. I am super impressed with the service I’ll recommend this insurance to everyone. Huey is doing well, he went for his checkup yesterday & the stitches were removed. Will contact you within the next few days regarding Jackie my new adopted Jack Russell. Regards, Joan Richter
Pet Health Insurance South Africa

1 page policy wording

Pawpaw has no fine print, just simple concise policy wording

Insurance for your Pet


We avoid having to place limits or sub-limits on treatments through efficient case-management with support by our qualified veterinarian

Insure your Pet


Our Claims are processed within 72 hours and payments are paid to the vet or the policy holder as required


Tel: (021) 403 9177