This section explains what an Excess is and how it is calculated. An Excess is the amount that you are responsible for paying on each claim, which is deducted automatically after the payout has been calculated. The Excess amount varies depending on the situation. Here are the details:

• R150 or 10% of the benefit, whichever is higher.
• If your pet is under 13 months old when treated, a minimum excess of R330 will be charged.
• If you receive treatment for the same condition within 31 days, an excess of 16.5% will be charged.

This section explains what a Script Levy is and how it is charged for dispensed medication. Here are the details:

• If you have a chronic condition, you pay R100 for the first script.
• If you have a non-chronic condition, you pay R50 for the first script, as stated in your Schedule of Insurance and Benefits.

Pet insurance can be a great way to ensure that your furry friend is covered in case of unexpected events. With our policy, you can rest easy knowing that you are protected against any loss or damage that your dog may cause if you are held legally responsible for their actions. This includes property damage or bodily injury to people.

It’s important to note that this option is only available for dogs. Whether you’re a new pet owner or a seasoned pro, accidents can still happen, and it can be difficult to predict when or if they will occur. By investing in pet insurance, you can help mitigate the financial risk of unexpected incidents involving your dog. Our policy covers you up to your limit of indemnity for either one, or a series of incidents due to one insured event. This means that you can rest easy knowing that you are covered for a variety of situations, from a one-time incident to a more serious problem that may require multiple claims.

With our policy, you can also be assured that you are covered against any loss or damage to property or death or bodily injury to people. This is an important feature that can provide peace of mind, knowing that you have the necessary insurance coverage to protect you and your furry friend in case of unexpected events.

To make a claim, please take note of the following:

• Let us know of any incident that could possibly lead to a claim against you.
• Notify us immediately if you receive a letter of demand, summons, or any other legal process that involves you or was issued against you.
• Inform us right away of any incident that caused bodily injury or death to others, or damage to another person’s property.
• Send us any police reports, court documents, letters of demand, or settlement offers related to the incident.

This benefit covers treatments that are not part of the usual veterinary treatment, such as homeopathic remedies, acupuncture, chiropractic treatments, and physiotherapy. Complementary treatments are only covered if they are provided by a registered veterinarian, veterinary nurse or practitioner (such as a physiotherapist) with the South African Veterinary Council.

With AA Pet, you have the flexibility to set your own annual limit, which is the maximum amount that will be paid out in a policy year for all valid claims. This means you can choose the level of coverage that suits your pet’s needs and your budget.

It’s worth noting that claims are paid up to the standard rate, within the limit of the Treatment Annual Maximum or Overall Annual Maximum (minus applicable excesses and levies), with a limit per claim or annual limit in any given policy year. This allows you to have peace of mind knowing that you have a safeguard in place for unexpected veterinary expenses.

For more information, please refer to the Schedule of Insurance and Benefits. This document provides a comprehensive overview of the terms and conditions of your policy, including the coverage limits and exclusions. By taking the time to read through this document, you can ensure that you have a clear understanding of the benefits and limitations of your AA Pet policy.

Your pet must be within a certain age range at the start date of your policy, unless otherwise agreed upon in writing. However, as long as your premiums are up to date, your pet will be covered for life.

At the start of the policy, pets must be within the specified age ranges.

• Small dogs must be between 8 weeks and 11 years old at the start of the policy.
• Medium dogs must be between 8 weeks and 10 years old at the start of the policy.
• Large dogs must be between 8 weeks and 8 years old at the start of the policy.
• Cats must be between 8 weeks and 10 years old at the start of the policy.

When insuring two or more pets with AA Pet, you can take advantage of our bundled discount. AA Pet will automatically add a 10% discount to the total combined premium for all pets.

With this offer, you can ensure that all of your furry friends are protected without breaking the bank. Plus, with our comprehensive coverage options, you can rest assured that your pets will be covered for everything from accidents to illnesses. Don’t wait until it’s too late – get your pets the protection they deserve with AA Pet today!

An accident can be defined as any unexpected or unintentional event that results in harm or injury to your pet. This can include a wide range of scenarios, such as an unexpected fall from a high place, a sudden collision with another object or animal, or even an accidental ingestion of a harmful substance. It is important to note that accidents do not include any deliberate acts on your part that may have caused harm to your pet. As a responsible pet owner, it is your duty to take all necessary precautions to prevent accidents from occurring, such as keeping dangerous objects out of reach and providing a safe and secure environment for your furry friend to thrive in.

To be covered, the accidental injury must:

Be direct consequence of one of the following:

• Accidental poisoning
• Allergic reaction to an insect bite (excluding tick or flea bites)
• Burn or electrocution
• Motor vehicle accident
• Near-drowning
• Swallowed or embedded foreign object requiring surgical or endoscopic removal.

Result in one of the following:

• Bone fracture
• Bite wounds or fight wound abscess
• Lacerations, abrasions, or wounds
• Snake bite toxicity
• Tooth fracture (excluding the scale and polish)
• Traumatic ligament or tendon injury.

While we aim to provide your pet with the best possible coverage, it’s important to keep in mind that certain treatments and conditions may not be included in your policy. This list provides some examples, but please review your policy documentation for the complete details.

Your policy does not cover…

• The cost of treatment for pre-existing conditions, excluded conditions or pandemic diseases.
• Claims arising from, or treatment rendered, outside the borders of South Africa.
• Diagnostic tests or treatments for:
  • Conditions excluded from your policy.
  • Conditions where a diagnosis of a condition is inconclusive and where the treatment protocol is similar to the treatment protocol typically applied to an excluded condition.
  • Complications arising from conditions excluded from this policy.
  • Claims which do not result in a diagnosis of an illness or a condition.
• Elective Treatments and Procedures:
  • Treatments you choose to have carried out that are not directly related to a covered illness or injury.
  • Cost of voluntary euthanasia, autopsy, disposal, cremation or burial of the pet.
  • Voluntary cosmetic procedures and surgeries such as tail docking, dewclaw removal, and skin fold resection.
• Claims not received within sixty (60) days of treatment.
• Treatment of conditions or diseases relating to congenital or hereditary defects, or conditions directly caused by such defects.
• Prescription and special diets, pet food, nail clipping, grooming and bathing.
• Non-essential hospitalisation, boarding or transport expenses.
• Any extra charges for treating your pet outside of normal weekday and Saturday morning consulting hours unless the treatment was for an emergency as confirmed by the vet.
• Claims arising during or falling into any Waiting Period.
• Costs related to the treatment of any illness that arises due to your Pet not being vaccinated as would have been normally recommended by a vet.
• Any claim arising during, after or as a result of Illegal activities.
• Specific conditions which are excluded:
  • Hip dysplasia and related conditions
  • Elbow dysplasia and related conditions
  • Entropion
  • Distichiasis Treatment of the following.
  • For dogs: distemper, infectious canine hepatitis (canine adenovirus), parainfluenza and rabies.
  • For cats: feline leukaemia (FeLV) and rabies.

The cover limit that a policyholder selects determines the maximum compensation that they will be eligible to receive for an accident or illness claim over the course of a year. It is important to note that this cover amount is unique to each pet, and it is renewed on an annual basis.

In addition to the cover limit, there is another important aspect of the policy that pet owners should consider: the “Treatments Annual Maximum” or what is often referred to as the “sub limits” clause. This clause specifies the maximum payout that the insurance company will make in a Policy Year for all treatments that are listed on the Schedule of Insurance and Benefits and are paid at the Standard Rates. However, this payout is still subject to the Overall Annual Maximum.

It is also worth noting that there may be limits on the amount that can be claimed either annually or per-claim in any given Policy Year. These limits are detailed in the Schedule of Insurance and Benefits, which pet owners should review carefully. Additionally, excesses apply to all claims made under the policy.

Therefore, it is important for pet owners to carefully consider both the cover limit and the sub limits clause when selecting a pet insurance policy. By doing so, they can ensure that they are adequately covered in the event of an accident or illness while also understanding the limitations and requirements of their insurance policy.