PETS WILL BE PETS. THE VET BILL DOESN'T HAVE TO BITE!

Pet Insurance for dogs and cats from R65 per month*

Couches, stairs, bees, ovens — your fur baby has a talent for finding trouble. Seen our latest adverts? Here's the real story behind every vet visit, and how OUTsurance Pet Insurance keeps you covered with a fixed excess, any registered vet of your choice, and the cash OUTbonus.

Long body. Short legs. Big ideas. Vet bills covered from R65pm.

Dachshunds and staircases are not always friends. Back injuries are the breed's best-known weakness and spinal surgery is among the priciest treatments a pet parent in South Africa can face. From the Core Plan up, OUTsurance covers illness plus hereditary and congenital conditions, so he can keep his ambitions.

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Dog chases bee. Bee wins. Vet bill stings even more.

Every dog believes that this time he'll catch it. Sting reactions can escalate from a swollen snout to a full allergic emergency in minutes, and after-hours emergency vet consultations don't come cheap. Accidental cover on every OUTsurance plan means immediate treatment is taken care of, no waiting period.

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Sunday roast surveillance. From R65, OUTsurance has got you covered.

Impatient dog vs chicken in the oven. Don’t let your budget be the one that loses. Burns from hot surfaces and blockages from cooked bones are classic kitchen emergencies. With accident and illness cover, plus vet visits on the Standard and Executive Plans, the only thing at risk on a Sunday is the roast itself.

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If it's on the ground, it's food. If it's poisonous, it's a vet bill.

Labradors run on one rule: eat first, ask questions never. Toxic ingestion is one of the most common emergency vet visits in South Africa. Cover for accidents and illness means the emergency dash and the treatment that follows, won't empty your wallet. Diagnostic tests and up to three months of chronic medication are covered too.

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Pet insurance premium examples

Because OUTsurance premiums are calculated for your specific pet — and never subsidise anyone else's — the best way to show pricing is with examples. Here's what four typical South African pets could pay. Get a quote to see your own pet's number.

*Premiums are tailored to your pet's risk profile and reviewed annually based on its risk profile and economic factors. Premiums quoted above are correct as at August 2026. OUTsurance is a licensed non-life insurer and FSP.

Frequently asked questions about pet insurance

How much does pet insurance cost in South Africa?

OUTsurance Pet Insurance starts from R65 per month for accident-only cover. Your premium is tailored to your pet's breed, age and health — so a young domestic shorthair cat will cost less to insure than a senior Boerboel.

Do I get money back if my pet never claims?

Yes. The OUTbonus pays a cash refund of your premiums after 3 claim-free years. It's a standard feature on OUTsurance Pet Insurance at no extra cost — so a healthy hond literally pays you back.

What does OUTsurance Pet Insurance cover?

OUTsurance Pet Insurance covers dogs and cats for accidents (no waiting period), illness, vet visits, and hereditary and congenital conditions, depending on the plan. The Executive plan also includes Pet-Act-OUT, which covers puppy socialisation classes and vet-recommended behavioural treatments. All plans include a fixed excess and your choice of any registered vet in South Africa.

Which pets can I insure with OUTsurance?

OUTsurance Pet Insurance covers dogs and cats — from pedigreed breeds to your beloved pavement special. You can take your pet to any registered vet of your choice, and your premium is calculated for your specific pet rather than an average across all pets.

Does pet insurance cover spaying, neutering or routine care?

No. OUTsurance Pet Insurance does not cover routine procedures like spaying, neutering or vaccinations. Cover is focused on the unpredictable, expensive events — accidents, illness, vet visits and behavioural treatment on qualifying plans.

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