Insure your dog or cat from as little as R65pm*
Pets will be pets — the vet bill doesn't have to bite. See the premiums behind our adverts, then get a quote priced for your own pet's breed, age and health.
SEE REAL PET PREMIUMS
Get a Pet insurance quote
Welcome back. What would you like to do?
Make a change
One of our client care agents will call you shortly.
or
Get a new quote
Capture details online, and an advisor will phone you back with your premium.
Let's get your details
Get a Pet insurance quote
Start quote
Welcome back. What would you like to do?
Make a change
One of our client care agents will call you shortly.
or
Get a new quote
Capture details online, and an advisor will phone you back with your premium.
Let's get your details
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.
Cover is available for dogs and cats from the age of 8 weeks up to eight years (turning nine on their next birthday), and once they're part of the OUTsurance family, they can continue enjoying cover and care as they grow older.
Features and benefits
OUTsurance Pet Insurance starts from around R65 per month, giving pet owners access to quality cover, included benefits and our unique cash OUTbonus for claim-free clients.
Take a look at some of the features and benefits that make OUTsurance Pet Insurance a smart choice for pet owners.
OUTbonus
Get rewarded with cash back on your paid premiums for remaining claim-free for three consecutive years.
Your choice of vet
Visit any registered vet of your choice, giving you greater convenience and peace of mind when your pet needs care.
Fixed excess
Benefit from a fixed excess on all claims, helping you avoid unexpected costs.
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 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
OUTsurance Pet Insurance starts from around R65 per month, giving pet owners access to quality cover, included benefits and our unique cash OUTbonus for claim-free clients.
Take a look at some of the features and benefits that make OUTsurance Pet Insurance a smart choice for pet owners.
OUTbonus
Get rewarded with cash back on your paid premiums for remaining claim-free for three consecutive years.
Your choice of vet
Visit any registered vet of your choice, giving you greater convenience and peace of mind when your pet needs care.
Fixed excess
Benefit from a fixed excess on all claims, helping you avoid unexpected costs.
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 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
The best pet insurance is the cover that best suits the needs of your dog or cat. That's why OUTsurance offers a range of plans, from essential cover for common accidents to comprehensive cover with higher limits and added benefits. Depending on the plan you choose, cover can include accidents, illnesses, vet visits, diagnostic tests, rehabilitation treatment and even socialisation or puppy classes under the Executive plan.
|
Key Features
|
|
|
|
|
|---|---|---|---|---|
|
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 |
|
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 |
|
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 |
|
Hereditary & Congenital conditions Waiting period: 12 months |
|
Yes |
Yes |
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 |
– No Cover |
– No cover. Only available on Executive |
Annual Claim Limit: R 1 200 Annual Claim Limit: R 1 200 |
| Start A Quote | Start A Quote | Start A Quote | Start A Quote |
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
The best pet insurance is the cover that best suits the needs of your dog or cat. That's why OUTsurance offers a range of plans, from essential cover for common accidents to comprehensive cover with higher limits and added benefits. Depending on the plan you choose, cover can include accidents, illnesses, vet visits, diagnostic tests, rehabilitation treatment and even socialisation or puppy classes under the Executive plan.
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
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.
Start a Pet insurance quoteChronic medication
Chronic medication, excluding medication for conditions related to behavioural conditions, will be covered for up to three months.
.
Diagnostic tests
Following a valid claim, 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.
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.
Start a Pet insurance quoteChronic medication
Chronic medication, excluding medication for conditions related to behavioural conditions, will be covered for up to three months.
.
Diagnostic tests
Following a valid claim, 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.
Frequently asked questions about Pet insurance
How do I get a pet insurance quote?
Getting a pet insurance quote from OUTsurance is simple and hassle-free. Simply request a quote online, and an OUTsurance advisor will contact you to discuss your needs, answer any questions you may have and guide you through the available cover options. Once they understand your requirements, they'll provide a personalised quote to help you choose the cover that's right for your furry family member.
What does excess mean in pet insurance?
With OUTsurance Pet Insurance, the 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.
Does OUTsurance Pet Insurance cover spaying and neutering?
OUTsurance does not cover routine procedures like spaying and neutering. Our plans focus on accident, illness, vet visits, and behavioural treatments under specific plans. For full details, compare our comprehensive pet insurance options.
Does a pre-existing condition mean my pet can't be covered?
Not necessarily. Certain pre-existing conditions may qualify for cover after 12 months of continuous, uninterrupted premium payments. Although some conditions may be excluded, your policy schedule will clearly explain your pet's cover, helping you make informed decisions about their care.
Which pet insurance plan should I choose?
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 is a waiting period?
A waiting period 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.
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 do I get a pet insurance quote?
Getting a pet insurance quote from OUTsurance is simple and hassle-free. Simply request a quote online, and an OUTsurance advisor will contact you to discuss your needs, answer any questions you may have and guide you through the available cover options. Once they understand your requirements, they'll provide a personalised quote to help you choose the cover that's right for your furry family member.
What does excess mean in pet insurance?
With OUTsurance Pet Insurance, the 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.
Does OUTsurance Pet Insurance cover spaying and neutering?
OUTsurance does not cover routine procedures like spaying and neutering. Our plans focus on accident, illness, vet visits, and behavioural treatments under specific plans. For full details, compare our comprehensive pet insurance options.
Does a pre-existing condition mean my pet can't be covered?
Not necessarily. Certain pre-existing conditions may qualify for cover after 12 months of continuous, uninterrupted premium payments. Although some conditions may be excluded, your policy schedule will clearly explain your pet's cover, helping you make informed decisions about their care.
Which pet insurance plan should I choose?
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 is a waiting period?
A waiting period 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.
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.
Need to submit a pet insurance claim?
Claiming for a vet bill is easy. Simply complete a pet insurance claim form and submit your claim via the OUTsurance portal, the OUTsurance App, or by contacting our friendly call centre on 08 600 70 000 within 30 days of the incident. You can find everything you need to know about the pet insurance claims process in our How to claim section.
Claims form Submit a claim-
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
-
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