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Understanding Pet Insurance: Oneplan’s Journey, Innovations, and Expert Tips

In the ever-evolving world of pet care, Oneplan has emerged as a trailblazer in the pet insurance market in South Africa. In this exclusive interview with Pets24, Oneplan shares the inspiration behind their entry into this niche market and discusses how the pet insurance industry has transformed over the years. From their innovative Oneplan Claim Card to their accessible and affordable pet insurance plans, Oneplan is redefining the standards of pet healthcare coverage.

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What inspired Oneplan to enter the pet insurance market, and how has the industry evolved since you first started?

As a result of a unique approach to administering health insurance products Oneplan thought it opportune to diversify into a different market segment such as pet insurance. While it is quite a bold statement to make, we would venture to say that Oneplan was one of the pioneers in the pet insurance market in South Africa.

Oneplan’s Smart Pet Insurance for our beloved pets is affordable, accessible, and simple. We have created our Oneplan Pet Plans to ensure that our furry best friends are able to receive comprehensive cover at a price that’s affordable.

We are aware of the positive impact that pets have on our lives and especially the relationships they build within families, and we feel they should be afforded the same level of healthcare that we have access to.

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Can you explain how Oneplan’s approach to pet insurance differs from that of other pet insurance companies?

  • Oneplan Pet Insurance is supported by our unique Oneplan Claim Card, which allows our clients to pay the vet before they claim – the primary factor keeping us on the cutting edge of the Pet Insurance Market.
  • It truly is insurance by people who love pets as much as you do:
  • Get paid BEFORE you see the vet with your Oneplan card & app in 1 minute*
  • Visit any vet of your choice with NO vet networks
  • Pay ZERO excess with Oneplan’s Excess Buster
  • No sublimits, just cover you can use when you need it the most.
  • Keep track of your pet’s health with Oneplan’s Pet Wellness Tracker
  • Get up to 25% DISCOUNT on your monthly pet food and supplies shopping in the Onepet Premium Pet Store
  • New policies for small cats and dogs up to their 11th birthday, even with pre-existing conditions
  • Get up to R5000 deposit or NO deposit with the partnered vets’ network

woman kissing dog. Pet insurance guide

What are some of the common misconceptions pet owners have about pet insurance?

It is expensive

In today’s day and age, very few households have flexible funds to just throw around. So, when it comes to adding a new debit order to the list, it’s got to be a good one. A common myth and misconception is that pet insurance will totally break the bank. The fact that the rumour mill says that pet policies aren’t affordable makes people hate it.

We continue to look at average household incomes, expenses and crunch the numbers to keep our prices very low. That way, you can now have access to veterinary excellence at a price that is reasonable – our plans start from only R160pm or R80pm for the Accident Plan.

Pet emergencies aren’t common

Most people believe that pet emergencies aren’t common until they experience it themselves and add to the harrowing statistics. It is so important that you understand that statistically pet emergencies are more common than you might realise.

1 in 3 pets experiences some medical emergency at some point in their lives. The best way to find support on both an emotional and financial level is with pet insurance where we will not only take out the billing stress associated with your pet’s medical care but the financial responsibilities too.

The claims process is complicated

Time and time again we see that most people aren’t keen on taking out an insurance policy based on the fact that the insurance company’s claims process is too complicated. Not only do they require so much documentation and information that you’re instantly put off, but at times, even if you do submit everything, it takes ages before that money is released.

You shouldn’t have to see getting your money back as an uphill battle, which is why we have created an easy-to-use claim system with our exclusive Oneplan Claim Card. This card allows you to be paid BEFORE you even see your vet in as little as 1 minute with a few clicks on the Oneplan App.

With the increasing costs of veterinary care, how can pet owners ensure that pet owners receive comprehensive coverage without breaking the bank?

When it comes to choosing a pet insurance policy, it all depends on your pet’s unique needs and what you are willing to spend on pet insurance cover. At Oneplan, we understand that each pet requires different kinds of cover based on their health, and that each pet parent’s budget is different.

Our plans are designed with this in mind, with our most affordable plan being the Accident Plan from only R80pm with no age limit, all the way to our Super Plan, which provides premium cover and all the bells and whistles your pet may need from R430pm.

For pet parents looking to maximise benefits and affordability, then our Primary Plan may be the best option. Starting from just R160pm, this plan provides up to R1 000pa for vet visits and up to R15 000pa for hospital admission, meaning you can cover those small and big visits to the vet at an affordable monthly premium.

Cat and dog outside. Pet insurance guide

What are the benefits of having pet insurance vs a pet savings account?

The simple fact is that pet insurance is designed based on the costs of medical procedures for pets. As a pet owner, you may believe that a pet savings account is the more affordable option to pet insurance, but how can you be sure of the cost of your pet’s next unexpected accident or illness?

When your pet is covered with insurance, you are given the peace of mind that your plan’s benefits have been designed to ensure that your vet bills will be taken care of, and that you will end up paying as little out-of-pocket as possible.

The other benefit of pet insurance as opposed to a pet savings account is the value-adding features. For example, Oneplan Pet Parents get up to 25% discount in the Onepet Premium Online Pet Store. These savings apply to all products, from premium pet food brands like Hill’s, Eukanuba, Royal Canin, and Montego, to other pet supplies like tick & flea, dewormer, grooming, chronic care, accessories, beds, and more.

By saving monthly on pet supplies, Oneplan helps make pet insurance even more affordable so that pet parents feel like they’re really getting value out of their monthly premium.

Shopping around for pet insurance, compare pet insurance here

Can you discuss any recent innovations or technologies Oneplan has implemented to improve customer experience and claim processing efficiency?

The Oneplan Claim Card and App are at the forefront of insurance claim processing and provide a uniquely streamlined service to our clients. We are the only pet insurer that allows clients to preload funds before their vet visit, and then swipe their Oneplan Claim Card to pay after their consultation. All it takes is a few taps in the Oneplan App, and the funds will be loaded to the card in as little as 1 minute.

The Oneplan App also allows clients to request reimbursements for claims paid out-of-pocket, send documentation for proof of claim, view their claims history, access their policy documentation, and so much more. In this way, Oneplan ensures seamless and efficient processes for its clients.

What advice would you give to pet owners who are unsure about the type of coverage they need for their pets?

The best thing you can do is speak to your vet about what they would recommend. Healthy pets may not need as extensive cover as pets with chronic conditions, and older pets may required more hospital cover for accidents and illnesses, as they are more prone to these incidents.

The other thing to consider is the common health issues experienced by your pet’s breed, and their genetic history. Oneplan covers pre-existing hereditary and congenital conditions after a 12-month waiting period, which means that if your pet does have any pre-existing conditions, this is not something that should deter you from getting cover with Oneplan.

The long and short of it is that each and every pet should have health cover, regardless of the state of their health, because anything can happen to your pet, so it’s best to be prepared in whatever way possible (even if only with an accident plan).

woman looking over at cat. Pet insurance guide

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What role does preventive care play in Oneplan’s coverage options, and how does Oneplan encourage pet owners to prioritize their pets’ long-term health and wellness?

Oneplan wholeheartedly believes that prioritising your pet’s routine care is the best way to help them live a long and healthy life. That’s why we offer the Pet Med Savings Benefit or Pet Med Booster Add On with our plans. On our more premium plans like the Classic and Super Plans, the Pet Med Savings Benefit gives you R800 and R900, respectively, which can be used to purchase tick & flea and dewormer, chronic meds, or even for non-aesthetic dental procedures.

On our Primary and Hospital Plans, you can include the Pet Med Booster Add on for only R35pm, which gives you R350 towards Pet Med Savings for the same uses as mentioned above.

By providing this benefit to pet parents, Oneplan helps to ensure that pets can keep up to date with regular tick & flea treatment, deworming, and other routine care procedures that will lower the risk of disease and infection, ultimately leading to a better quality of life.

The Oneplan App also has a Wellness Tracker for pet parents, which contains all the history and details of their pet’s health and reminds them of upcoming vet visits, vaccinations, routine care appointments, and whatever else pet parents may need to be aware of to keep their pets healthy.

Click here to get a quote for Oneplan Pet Insurance, or you can find out more about Oneplan’s range of Pet Insurance Plans here.

Oneplan’s commitment to providing comprehensive and affordable pet insurance is evident through their innovative solutions and customer-centric approach. By addressing common misconceptions, simplifying the claims process, and emphasizing preventive care, Oneplan ensures that pet owners can secure the best possible healthcare for their beloved companions. With Oneplan, pet insurance is not just about coverage—it’s about peace of mind and enhancing the quality of life for pets and their families.

Oneplan Pet Insurance logo

About Oneplan Pet Insurance

Pet Insurance

Oneplan Pet Insurance offers tailored insurance solutions designed to protect your pet’s health and well-being. With a commitment to providing comprehensive coverage and flexible plans, Oneplan ensures pet owners have access to quality veterinary care without financial stress. Their innovative approach includes quick claim processes and a focus on customer satisfaction, making them a trusted partner in pet healthcare.

See more of our experts here



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