Dotsure Pet Insurance Review
Coupled with the regular maintenance and grooming costs, having a pet can become very expensive. Much like their human companions, pets can become sick and require medical attention. Having pet insurance can help you cushion the financial blow of medical emergencies and ensure that your beloved pet remains healthy and happy.
Dotsure offers a multitude of pet insurance policies that are specifically tailored to the species of animal. Ranging from minimal to comprehensive, Dotsure has a pet insurance policy to suit any budget. Let’s review the coverage options, pricing, and pros and cons of Dotsure pet insurance policies.
Dotsure Pet Insurance at a Glance
- Pet Insurance for all species and ages of pets
- Range of policies to suit coverage and budget needs
- No waiting periods on accidental injury claims
What we like:
Dotsure offers a wide range of policies to suit any pet owner and their pockets. Their policies do not have a waiting period for accidental injuries and they aim to pay out claims within 48 hours, which is ideal for emergency situations.
Best for:
Dotsure pet insurance policies are ideal for pet owners who have a good idea of the needs of their pets. Dotsure’s policies are distinguished by the species of the pet as well as the type of coverage. For example, if you are a cat owner and your pet is young, healthy and has no hereditary conditions, the ‘accidental pet insurance’ policy may be for you.
- Manage your policy and submit claims online
- Get a 15% discount for insuring more than one pet
- Month-to-month coverage
- Birds, reptiles, and exotic mammals do not have wellness benefits or hereditary treatment cover
What Makes Dotsure Pet Insurance Different?
A pet can come in many forms, and Dotsure allows South African consumers to insure a wider range of animal species. Dotsure covers cats and dogs, as well as birds, reptiles and other exotic mammals. Each category of pet has an insurance policy tailored to the general medical needs of their species.
Dotsure Pet Insurance Plans and Benefits
Dotsure offers five different pet insurance plans for dog and cat owners, while bird, reptile and other exotic mammal owners can choose between two coverage plans.
In short, here’s what you should know about the five coverage options for cats and dogs:
Dotsure Accidental Pet Insurance Plan: Covers vet bills solely resulting from accidental injuries.
Dotsure Basic Pet Insurance Plan: Covers vet bills from accidental injuries and up to 50% of illness-related claims.
Dotsure Standard Pet Insurance Plan: Covers 100% of vet bills and claims resulting from accidental injuries and illness.
Dotsure Superior Pet Insurance Plan: Covers bills resulting from accidental injuries, illness, and hereditary conditions, and includes wellness benefits.
Dotsure Ultimate Pet Insurance Plan: Covers bills resulting from accidental injuries, illness, and hereditary conditions, and includes wellness benefits to a greater extent.
Dotsure Accidental Pet Insurance Plan
This plan starts at R85 per month for both cats and dogs and offers minimal coverage. Luckily, there is no waiting period for accidental claims. Dotsure’s accidental pet insurance policies also include cover for third-party claims up to a maximum of R152,680 per year.
The annual policy limit for both species is R15,400, with a standard excess of 10% on all claims. This plan covers medication, surgery, radiology, pathology, hospitalisation cover, non-elective procedures, and non-elective euthanasia.
Dotsure Basic Pet Insurance Plan
Starting from R200 per month for cats and dogs, Dotsure’s basic pet insurance has an annual claim limit of R27,500. The third-party liability cover is increased to R229,020 per year. There are no waiting periods for accidental claims, however, illness-related claims have a waiting period of 30 days.
Dotsure’s basic pet insurance policies also cover medication, surgery, radiology, pathology, hospitalisation cover, non-elective procedures, and non-elective euthanasia. In addition to this, vet bills and expenses that result from illness are covered up to 50% of the claim amount.
Dotsure Standard Pet Insurance Plan
Touted as the policy that offers the most value for money, Dotsure’s standard pet insurance policy costs R352 per month. The annual limit for claims is raised to R38,500 while the third-party liability insurance remains the same as the basic pet insurance policy at R229,020 per year.
The annual claim threshold for medication, surgery, radiology, pathology, hospitalisation cover, non-elective procedures, and non-elective euthanasia claims remains the same as the basic pet insurance policy. The maximum amount you can claim per incident is increased compared to the basic pet insurance policy.
Dotsure Superior Pet Insurance Plan
Starting from R483 per month, Dotsure’s superior pet insurance policy offers coverage for accidental injuries, illness, hereditary treatments, and wellness benefits. The annual limit for claims is R76,450 and the third-party liability insurance limit is R382,030 per year.
Similar to the other plans, the superior pet insurance policy covers medication, surgery, radiology, pathology, hospitalisation cover, non-elective procedures, and non-elective euthanasia. In addition to this, the wellness benefit has an annual limit of R2310 and covers the costs of vaccination, deworming, flea medication, and more. The hereditary treatment benefit is capped at R3058 per year and covers inherited medical conditions only.
Dotsure Ultimate Pet Insurance Plan
Lastly, Dotsure’s ultimate pet insurance policy offers similar coverage to the superior pet insurance policy. All in all, medication, surgery, radiology, pathology, hospitalisation cover, non-elective procedures, non-elective euthanasia, wellness benefits, and hereditary treatments are covered. This policy is on the pricier side at R1,199 per month.
The limit for accidental injuries and illness claims is a whopping R44,880 per claim, with the third-party liability insurance remaining at R382,030 per year. There are also separate sub-limits on claims for cruciate ligament surgery, luxating patella surgery, and hip/elbow/shoulder surgeries.
Dotsure Exotic Pet Insurance Plan
Perfect for birds, reptiles or other exotic mammals, Dotsure’s exotic pet insurance policy offers basic coverage for accidental injuries and partial illness-related claims. The premiums are calculated based on the species of pet, for example, small exotic mammal owners can expect to pay R240 per month while small bird owners can expect to pay R144 per month.
The extent of coverage is also dependent on the species of animal, so be sure to check with a consultant first if you have specific concerns. The annual claim limit is R25,850 with third-party liability insurance of R216,150.
As with the rest of their pet insurance policies, there is no waiting period for accidental injury claims and there is a 10% excess fee on all claims. However, claims need to be accompanied by photographic evidence else there is an additional excess fee payable.
Dotsure Exotic Plus Pet Insurance Plan
If you’re a proud bird/reptile/exotic mammal owner and you’re looking for a pet insurance policy with more coverage and higher claim limits, Dotsure’s exotic plus pet insurance policy is an excellent option.
The extent of coverage and premiums still depend largely on the species of animal, and only accidental injuries and illness-related claims are accepted. The annual claim limit is raised to R30,250 and the third-party liability insurance is increased to R231,000.
Pricing and Discounts of Dotsure Pet Insurance
Dotsure if they are upfront about the pricing of their policies on their website. The company also offers a 15% discount if you insure two or more pets with them.
We’ve summarised the costs of their premiums, remember that these prices are merely a starting point:
Accidental: R85
Basic: R200
Standard: R352
Superior: R483
Ultimate: R1,199
Exotic( small birds): R144
Exotic (reptiles): R211
Exotic (small mammals): R240
Exotic Plus (small birds): R211
Exotic Plus (reptiles): R307
Exotic Plus (small mammals): R345
Where Dotsure Pet Insurance Can Improve
While Dotsure has a positive image on hellopeter.com, there are a few negative comments which revolve around a lack of proper communication. Dotsure could do more to ensure that potential and existing clients understand the terms of their policy and the extent of their coverage.
How to Request a Quote for Dotsure Pet Insurance
Follow the steps on the Dotsure ‘Pet Insurance’ webpages for an online quote.
Fill out the form on the ‘Contact Us’ page of Dotsure’s website to request a call or email from a consultant.
Call 0861 368 7873 to speak to a consultant
Email [email protected] to request a quote
Frequently Asked Questions (FAQ)
Can I get pet insurance for my chinchilla?
Yes, chinchillas and other small mammals are covered under Dotsure’s exotic and exotic plus pet insurance policies.
How do I claim from Dotsure pet insurance?
Get your pet to the vet first, then submit your vet bills on the online portal or via email to get reimbursed within 48 hours.
When can I cancel my Dotsure pet insurance policy?
Anytime, Dotsure’s pet insurance policies are available on a month-to-month basis. This means that you aren’t obligated to continue your policy the following month if you aren’t happy.
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