Oneplan Pet Insurance: What the Insurer Publishes
Checked against Oneplan's own plans page on 20 October 2026
How to read this page. Community Vet does not rate insurers and has not tested any insurer's claims. Figures below are taken from the sources named on this page on the date shown. Insurers change plans, prices and rules, so confirm everything with the insurer, in writing, before you pay.
Plans and annual limits
Oneplan lists five plans. Prices are "from" prices per month and depend on your pet's risk profile.
| Plan | From, per month | Annual limit |
|---|---|---|
| Accident Plan | R80 per pet | R8,500 |
| Primary Plan | R160 | R18,000 |
| Hospital Plan | R190 | R48,500 |
| Classic Plan | R280 | R52,000 |
| Super Plan | R430 | R75,000 |
Source: Oneplan pet plans page, retrieved 20 October 2026. The Accident Plan does not cover illness.
What Oneplan publishes about waiting periods, claims and joining
- Waiting periods: hospital admission for accidents is immediate; hospital admission for illness has a 60-day wait; casualty and pet medical savings benefits have a 30-day wait. The page does not state orthopaedic or dental waiting periods, so ask.
- Claims: the page says vet claims are pre-paid through the Oneplan Claim Card. It does not describe other claim methods or turnaround times.
- Joining age: the pet must be over 8 weeks old. Small dogs and cats must be under 11, medium dogs under 10 and big dogs under 9. The Accident Plan brochure link says "no age limit", which does not match, so confirm which applies.
- Pre-existing and hereditary conditions: the page says small dogs and cats up to 11 years can be covered even with these conditions, subject to terms. It does not set out the terms, so get them in writing.
- Multiple pets: 10% discount from the second pet on the four larger plans.
- Excess: an excess applies unless you add the Excess Buster add-on. The excess amount is not stated on the page.
- Promotion: the page advertises 30% off the first two months' premiums (not on the Accident Plan). The dates were blank when we checked.
Questions to ask Oneplan
- Which plans can my pet join, given its species, breed and age?
- What is the annual limit, and are there limits per condition or per claim?
- What is the excess, and is it a flat amount or a percentage?
- Which waiting periods apply to illness, hereditary or orthopaedic conditions, and dental treatment?
- How are pre-existing conditions defined, and is anything covered?
- Do I pay the vet and claim back, or can the insurer pay the vet? How long do claims usually take?
- How and when can premiums change, including after a claim?
See also our quote checklist and comparison of what insurers publish.