PawPaw Comprehensive Plan

• Overall Policy – NO ANNUAL LIMIT
• Age Limitation at inception – 8 weeks to 8 years
• Waiting periods – General Waiting Period – 30 days from start date of policy.
• Accidental injuries covered from date of inception.
• No Breed related conditions excluded.
• Our Claims are processed within 72 hours and payments are paid to the vet or the policyholder as required
• Pets under 4 years old qualify for a 10% discount.
• Co-Insurance Information – Pets over 4 years – 50% co-insurance period for the first six months from inception of the policy for all treatments, diagnostics and surgeries for:
• Hips, knees, elbows, shoulders and spine.
• Eyes and nictitating membranes.
• Urinary bladder system.
• Pre-authorisations (for non-emergency treatments) ensure that there are no unexpected shortfalls (should you not obtain pre-approval, your excess will carry an additional 20%, with a minimum of R500.00, for each claim not pre-authorised.)

Elective Excess Options

Choose your excess structure for a premium to suit your needs.

Comprehensive Plan

What’s covered

Treatment for acute illness and injury, this includes but not limited to;

• Consultations
• Medication
• Diagnostic investigations
• Surgery
• Pathology
• Radiology
• Chronic cover – with pre-authorization and clinical treatment protocol. Additional premium and monthly subsidy is applicable.
• Hereditary Conditions cover – provided it’s not pre-existing.
• Supportive Rehabilitation (post surgery only) – subject to pre-approval and treatment protocols. In order to qualify for cover rehabilitation treatment
  MUST commence WITHIN 2 weeks from an orthopedic surgery and will be limited to a maximum of 6 treatment sessions, not extending beyond 2
  months after the surgery date.

What’s NOT covered

• Pre-existing conditions as well as any conditions that arise during any waiting period/condition specific waiting period.
• Boarding Kennels and Catteries.
• Routine Care (de-worming, vaccinations, grooming, flea/tick treatment, prescription diets, etc.)
• 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. mainstream veterinary science, including but not limited to acupuncture, physiotherapy, homeopathy.
• Hydrotherapy, rehabilitation care other than mentioned in 1.1.2. of the policy wording.

LIVE VETERINARY CARE ON DEMAND

PawPaw Accident 10 Plan

• Premium – R70pm
• Annual Limit – R10,000.00 per policy year
• Age Limitation at inception – 8 weeks and over
• Excess – Standard excess: All claims will carry 15% excess, with a minimum of R250.00 per claim.
• NO WAITING PERIOD!

PawPaw Accident 20 Plan

• Premium – R137pm
• Annual Limit – R20,000.00 per policy year
• Age Limitation at inception – 8 weeks and over
• Excess – Standard excess: All claims will carry 15% excess, with a minimum of R250.00 per claim.
• NO WAITING PERIOD!

What’s covered in the ACCIDENT PLAN

Your pet is covered for injury or any unforeseen incidents such as but not limited to;

• A Motor vehicle accident.
• A burn or electrocution.
• A fall from an elevated position.
• A near drowning.
• The actions of another animal such as a cat or dog fight.
• When Max swallows your child’s toys or your puppy swallows your shoe strings this may require surgical or endoscopic removal.
• A snake bite.
• An allergic reaction to an insect bite other than tick or flea bites.
• Biliary (tick bite fever / bosluiskoors) is covered as an accident.
• Poisoning.
  
  OR OTHERWISE RESULTING IN:
• A fractured bone.
• A traumatic ligament or tendon injury.
• Lacerations, abrasions or wounds.
• A gastric torsion (Gastric dilation volvulus).
  *To be covered as an accidental injury, any diagnosis must be made within 48 hours of the time of the accident.

What’s NOT covered in the ACCIDENT PLAN

• Any sickness, disease, infection or any change in a pets health which is not caused by an accidental injury.
• Any invoices submitted more than 60 days after the date of last treatment.
• The costs for any treatments for injuries incurred outside of the Republic of South Africa.
• Any treatment by person/s not registered with the South African Veterinary Council.
• Any allergic reaction to a vaccine or medication.
• Any surgical items that can be used more than once. These are non-chargeable items.
• The costs of any prosthesis, implants or transplantation.
• Any injury caused by negligence. P.UMA will report all abuse to the S.P.C.A

These prices and the cover reflected here are indicative of our services and are a guideline only** E & OE
Pet Insurance South Africa