Frequently Asked Questions

What is pet99?

pet99 is peace of mind for pet owners who want assistance in reducing the cost of veterinary bills over the life of their pets.

What benefits does pet99 offer?

pet99 covers veterinary treatments and surgeries for accidental injury and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.

How does pet99 work?

Once your vet has treated your Pet, simply send in a pet99 claim form along with your vet's detailed account. PetSure then calculates the benefit and value and sends payment directly to you. It is as simple as that. Note: Benefits are paid according to the pet99 Tariff Rate which is based on PetSure’s internal tariff of fees which is reviewed annually.

What is not covered?

Like most insurance policies, we have some exclusions to keep your premiums low. These include: pregnancy, elective procedures, foods/diets, grooming, behavioural problems, tick paralysis, hereditary and congenital defects, pre-existing conditions that showed clinical signs before taking out the insurance and routine care.

Can my pet visit any vet I choose?

Yes, you can use any Veterinarian who is licensed to practice in South Africa.

Are there any age limits for the insurance?

There is an age limit for Accidental Injury and Illness Cover. Only pets between the age of 8 weeks and 8 years can enrol for this cover. Once enrolled, cover may be kept for life.

When will my policy start and when can I claim?

Your membership will start on the first day of the month after your application has been accepted by us. There is a three (3) calendar months waiting period for Illness Cover and one (1) calendar month waiting period for Accident Injury Cover. You may make a claim for conditions which arise after the waiting period.

What is an Accidental Injury?

A physical or bodily injury that happens accidentally to your pet as a result of external, violent and visible means for example: broken bones, snake bite, dog/cat fight.

What is an Illness?

An Illness means an unexpected sickness or disease or any change to your pet's normal healthy state, which is not caused by injury to your pet. For example: upset stomach, skin conditions, ear infection.

Does my pet have to have a microchip or tattoo to claim?

Microchipping is not a requirement on your policy, however, it is an integral part of identifying your fur-kid at a veterinary institution should they get lost, and we absolutely advocate microchipping.

What if I change my mind after signing up with pet99?

You have a 14 day money back guarantee period from the start date of your policy to review and cancel with no obligation. If you would like to cancel your policy after this period we require one calendar month's written notice to cancel.

How can I find out more information about pet99 and the costs?

Please refer to the Schedule of Benefits document for current rates and benefits or contact pet99 for further details on 086 00 pet99 / 73899 or visit our web site