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Pet insurance for dogs and cats
At OUTsurance, we believe your furry family members deserve the same care and protection as everyone else in your home. OUTsurance Pet Insurance helps cover unexpected vet bills for accidents and illnesses giving you peace of mind knowing they’re always taken care of.
Features and benefits
Just some of our offerings that help us stand out in a litter of pet insurance options.
OUTbonus
A cash refund of your premiums if you don’t claim.
Your choice of vet
You can take your pet to any registered vet of your choice.
Fixed excess
No matter what you claim for, your excess is fixed.
Pet-Act-OUT
We cover puppy classes and are the first insurer, of our main competitors, to do this. You may also claim for behavioural treatments for your pet. (Executive plan only)
Tailored pet insurance premiums
Premiums are unique to your pet, using our advanced underwriting model, and never subsidise other pets. This means you could pay less!
Features and benefits
Just some of our offerings that help us stand out in a litter of pet insurance options.
OUTbonus
A cash refund of your premiums if you don’t claim.
Your choice of vet
You can take your pet to any registered vet of your choice.
Fixed excess
No matter what you claim for, your excess is fixed.
Pet-Act-OUT
We cover puppy classes and are the first insurer, of our main competitors, to do this. You may also claim for behavioural treatments for your pet. (Executive plan only)
Tailored pet insurance premiums
Premiums are unique to your pet, using our advanced underwriting model, and never subsidise other pets. This means you could pay less!
Comparing our Pet Insurance plans
To find the best pet insurance, it's best to find a plan that will best suit the needs of your dog or cat. We offer the basics that will cover your pet for common accidents, to comprehensive pet insurance with increased limits and added extras should your furry friend have special requirements.
Download our Pet Insurance brochure for more information.
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Key Features
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Overall Annual Limit |
R 26 500 R 26 500 |
R 50 000 R 50 000 |
R 50 000 R 50 000 |
R 75 000 R 75 000 |
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Accidental Cover i A sudden and unforeseen event that causes injury to your pet and which requires immediate medical attention to your pet. Waiting period: None Fixed excess |
Per Claim limit: R 26 500 Per Claim limit: R 26 500 |
Per Claim limit: R 37 000 Per Claim limit: R 37 000 |
Per Claim Limit: R 37 000 Per Claim Limit: R 37 000 |
Per Claim limit: R 55 500 Per Claim limit: R 55 500 |
|
Illness Cover i A sickness, disease or defect which requires admission of your pet at the vet. Waiting period: 60 days Fixed excess |
– No Cover |
Per Claim Limit: R 37 000 Per Claim Limit: R 37 000 |
Per Claim Limit: R 37 000 Per Claim Limit: R 37 000 |
Per Claim Limit: R 55 500 Per Claim Limit: R 55 500 |
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Vet Visits i A visit to the vet to treat a sickness or disease which does not require an admission at the vet or does not require long-term treatment. Waiting period: 30 Days Fixed excess |
– No Cover |
– No Cover |
Annual Claim Limit: R 6 500 Annual Claim Limit: R 6 500 |
Annual Claim Limit: R 7 500 Annual Claim Limit: R 7 500 |
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Hereditary & Congenital conditions Waiting period: 12 months |
Yes |
Yes |
Yes |
Yes |
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Pet-Act-OUT i Covers puppy socialization classes for your pet as well as corrective behavioural treatments that are recommended by a vet. Waiting period: 30 Days No excess |
– No Cover |
– No Cover |
– No cover. Only available on Executive |
Annual Claim Limit: R 1 200 Annual Claim Limit: R 1 200 |
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Please note that this content provides a summary of what is covered; the terms set out in the policy wording and schedule takes precedence and are binding on the parties.
Comparing our Pet Insurance plans
To find the best pet insurance, it's best to find a plan that will best suit the needs of your dog or cat. We offer the basics that will cover your pet for common accidents, to comprehensive pet insurance with increased limits and added extras should your furry friend have special requirements.
Download our Pet Insurance brochure for more information.
Overall Annual Limit
R 26 500
R 26 500
Overall Annual Limit
R 50 000
R 50 000
Overall Annual Limit
R 50 000
R 50 000
Overall Annual Limit
R 75 000
R 75 000
Accidental Cover i A sudden and unforeseen event that causes injury to your pet and which requires immediate medical attention to your pet.
Waiting period: None
Fixed excess
Per Claim limit: R 26 500
Per Claim limit: R 26 500
Accidental Cover i A sudden and unforeseen event that causes injury to your pet and which requires immediate medical attention to your pet.
Waiting period: None
Fixed excess
Per Claim limit: R 37 000
Per Claim limit: R 37 000
Accidental Cover i A sudden and unforeseen event that causes injury to your pet and which requires immediate medical attention to your pet.
Waiting period: None
Fixed excess
Per Claim Limit: R 37 000
Per Claim Limit: R 37 000
Accidental Cover i A sudden and unforeseen event that causes injury to your pet and which requires immediate medical attention to your pet.
Waiting period: None
Fixed excess
Per Claim limit: R 55 500
Per Claim limit: R 55 500
Illness Cover i A sickness, disease or defect which requires admission of your pet at the vet.
Waiting period: 60 days
Fixed excess
–
No Cover
Illness Cover i A sickness, disease or defect which requires admission of your pet at the vet.
Waiting period: 60 days
Fixed excess
Per Claim Limit: R 37 000
Per Claim Limit: R 37 000
Illness Cover i A sickness, disease or defect which requires admission of your pet at the vet.
Waiting period: 60 days
Fixed excess
Per Claim Limit: R 37 000
Per Claim Limit: R 37 000
Illness Cover i A sickness, disease or defect which requires admission of your pet at the vet.
Waiting period: 60 days
Fixed excess
Per Claim Limit: R 55 500
Per Claim Limit: R 55 500
Vet Visits i A visit to the vet to treat a sickness or disease which does not require an admission at the vet or does not require long-term treatment.
Waiting period: 30 Days
Fixed excess
–
No Cover
Vet Visits i A visit to the vet to treat a sickness or disease which does not require an admission at the vet or does not require long-term treatment.
Waiting period: 30 Days
Fixed excess
–
No Cover
Vet Visits i A visit to the vet to treat a sickness or disease which does not require an admission at the vet or does not require long-term treatment.
Waiting period: 30 Days
Fixed excess
Annual Claim Limit: R 6 500
Annual Claim Limit: R 6 500
Vet Visits i A visit to the vet to treat a sickness or disease which does not require an admission at the vet or does not require long-term treatment.
Waiting period: 30 Days
Fixed excess
Annual Claim Limit: R 7 500
Annual Claim Limit: R 7 500
Hereditary & Congenital conditions
Waiting period: 12 months
Yes
Hereditary & Congenital conditions
Waiting period: 12 months
Yes
Hereditary & Congenital conditions
Waiting period: 12 months
Yes
Hereditary & Congenital conditions
Waiting period: 12 months
Yes
Pet-Act-OUT i Covers puppy socialization classes for your pet as well as corrective behavioural treatments that are recommended by a vet.
Waiting period: 30 Days
No excess
–
No Cover
Pet-Act-OUT i Covers puppy socialization classes for your pet as well as corrective behavioural treatments that are recommended by a vet.
Waiting period: 30 Days
No excess
–
No Cover
Pet-Act-OUT i Covers puppy socialization classes for your pet as well as corrective behavioural treatments that are recommended by a vet.
Waiting period: 30 Days
No excess
–
No cover. Only available on Executive
Pet-Act-OUT i Covers puppy socialization classes for your pet as well as corrective behavioural treatments that are recommended by a vet.
Waiting period: 30 Days
No excess
Annual Claim Limit: R 1 200
Annual Claim Limit: R 1 200
Additional Pet Insurance benefits
Your pet will have cover for the following benefits following a valid event and subject to the annual limit specified on your policy schedule. The waiting periods applicable to the event will also apply to the additional benefits.Chronic medication
Any chronic condition, excluding chronic conditions related to behavioural conditions, will be covered.
Diagnostic tests
You will have cover for the cost of diagnostic tests following an inconclusive diagnosis. This includes all consultation fees associated with these tests, which do not result in the diagnosis of an event.
Rehabilitation treatments
You will have cover for approved rehabilitation treatments such as physiotherapy, hydrotherapy, electric stimulation, heat therapy, and light therapy.
Additional Pet Insurance benefits are applicable to Accident, Core, Standard and Executive plan types. A 12-month waiting period applies on hereditary and congenital conditions.
Download Pet Insurance brochure for more information.
Start a Pet insurance quoteAdditional Pet Insurance benefits
Your pet will have cover for the following benefits following a valid event and subject to the annual limit specified on your policy schedule. The waiting periods applicable to the event will also apply to the additional benefits.Chronic medication
Any chronic condition, excluding chronic conditions related to behavioural conditions, will be covered.
Diagnostic tests
You will have cover for the cost of diagnostic tests following an inconclusive diagnosis. This includes all consultation fees associated with these tests, which do not result in the diagnosis of an event.
Rehabilitation treatments
You will have cover for approved rehabilitation treatments such as physiotherapy, hydrotherapy, electric stimulation, heat therapy, and light therapy.
Additional Pet Insurance benefits are applicable to Accident, Core, Standard and Executive plan types. A 12-month waiting period applies on hereditary and congenital conditions.
Download Pet Insurance brochure for more information.
Start a Pet insurance quoteNeed to submit a pet insurance claim?
Submitting a pet insurance claim is easy via the OUTsurance portal, the OUTsurance App or our friendly call centre. Find out everything you need to know about submitting a pet insurance claim in our How to claim section.
Download claims form Submit a claimFrequently asked questions about pet insurance
How to choose pet insurance?
Compare pet insurance plans based on your pet’s needs—OUTsurance offers options from basic accident cover to comprehensive pet insurance with illness, behavioural treatments, and tailored premiums. Choose a plan that matches your pet’s lifestyle and health requirements.
What does excess mean in pet insurance?
In OUTsurance pet insurance excess refers to the fixed amount you pay out of pocket when you submit a claim.
With OUTsurance Pet Insurance, excess is the fixed amount you pay out of pocket when you claim. We keep it simple: one fixed excess for every claim, so your costs stay predictable and easy to manage.
What is a waiting period?
A waiting period for is the time from the start date of your pet’s cover during which certain benefits or conditions are not yet claimable. No claims for those conditions will be paid if the event occurs during this period. The event must happen after the waiting period for the claim to be valid. Waiting periods apply to specific conditions and covers as listed in the policy wording.
Does pet insurance cover spaying and neutering?
OUTsurance pet insurance does not cover routine procedures like spaying and neutering. Their plans focus on accident, illness, vet visits, and behavioural treatments under specific plans. For full details, compare their comprehensive pet insurance options.
What is a pre existing condition for pet insurance?
A pre-existing condition refers to any illness, injury, or health issue that your pet showed symptoms of, was diagnosed with, or received treatment for before your pet insurance policy started or during the waiting period. This is in addition to any exclusion(s) stated on your policy schedule.
Frequently asked questions about pet insurance
How to choose pet insurance?
Compare pet insurance plans based on your pet’s needs—OUTsurance offers options from basic accident cover to comprehensive pet insurance with illness, behavioural treatments, and tailored premiums. Choose a plan that matches your pet’s lifestyle and health requirements.
What does excess mean in pet insurance?
In OUTsurance pet insurance excess refers to the fixed amount you pay out of pocket when you submit a claim.
With OUTsurance Pet Insurance, excess is the fixed amount you pay out of pocket when you claim. We keep it simple: one fixed excess for every claim, so your costs stay predictable and easy to manage.
What is a waiting period?
A waiting period for is the time from the start date of your pet’s cover during which certain benefits or conditions are not yet claimable. No claims for those conditions will be paid if the event occurs during this period. The event must happen after the waiting period for the claim to be valid. Waiting periods apply to specific conditions and covers as listed in the policy wording.
Does pet insurance cover spaying and neutering?
OUTsurance pet insurance does not cover routine procedures like spaying and neutering. Their plans focus on accident, illness, vet visits, and behavioural treatments under specific plans. For full details, compare their comprehensive pet insurance options.
What is a pre existing condition for pet insurance?
A pre-existing condition refers to any illness, injury, or health issue that your pet showed symptoms of, was diagnosed with, or received treatment for before your pet insurance policy started or during the waiting period. This is in addition to any exclusion(s) stated on your policy schedule.
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Log in or use our App to manage your policy
Log in or use our App to manage your policy
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Insurance
documentsInsurance
documents
Contact OUTsurance
08 600 60 000
Mon-Thurs:
08:00 - 19:00
Mon-Thurs:
08:00 - 19:00
Friday
08:00 - 18:00
Friday
08:00 - 18:00
Sat:
08:00 - 13:00
Sat:
08:00 - 13:00
Public Holidays
08:00 - 17:00
Public Holidays
08:00 - 17:00
-
Log in or use our App to manage your policy
Log in or use our App to manage your policy
-
Insurance
documentsInsurance
documents
Contact OUTsurance
08 600 60 000
Mon-Thurs:
08:00 - 19:00
Mon-Thurs:
08:00 - 19:00
Friday
08:00 - 18:00
Friday
08:00 - 18:00
Sat:
08:00 - 13:00
Sat:
08:00 - 13:00
Public Holidays
08:00 - 17:00
Public Holidays
08:00 - 17:00