What does pet insurance cost?

Estimate cover costs and common vet bills for your dog or cat.

Estimate what cover could cost for your dog or cat, see what common vet bills cost, and understand what the different levels of cover typically include.

Estimated monthly premium

R285 – R386/ month

Pet type

Breed size

Age

Cover level

Typical excess

R300 – R750

Co-payment

10% – 15%

Annual limit

R30,000 – R80,000

Estimates based on typical SA pet insurance pricing. Actual premiums vary by insurer, breed, and location — only an insurer can give you an actual quote.

What could a vet emergency cost?

Select a scenario to see the typical cost — and what you'd pay with insurance.

Without insurance

R3 000 – R8 000

You pay the full bill out of pocket

With insurance

R800 – R1 300

R500 excess + 10% co-payment

You could save R2 200 – R6 700 (81%) on a broken bone claim

Costs based on typical SA veterinary pricing. Excess and co-payment vary by provider and plan level.

What does pet insurance cover?

Vet bills add up fast

A single emergency vet visit can cost R5,000–R15,000. Pet medical aid helps cover unexpected bills so you can focus on your pet's health.

Cover that fits your budget

From accident-only plans to comprehensive cover including routine care, there's an option for every budget.

Check the limits, not just the premium

Plans differ on annual limits, excess, co-payments and waiting periods. Compare those before choosing on price alone.