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*These Routine Care costs are a nationwide average and only applicable to Option C.

SAVE UP TO 85% ON YOUR VET BILLS

Rogz Pet Insurance offers comprehensive cover for Accident, Illness and Routine Care to suit your pet's needs

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How is the premium calculated?

We know that pets are individuals and so we are introducing a new way of calculating your premium. The premium is calculated according to the risks associated with the insured Pet and is printed on the relevant Certificate of Insurance. In calculating the premium, we may consider the cover that you have chosen, where you and your pet permanently live as well as the species, breed, age and sex of your pet.

What do I do if I do not know when my pet was born?

If you do not know the exact age of your pet, it is not a problem. If your pet was adopted, your vet will be able to give you an approximate age of your pet. You can use this age estimate when applying.

What is an Accidental Injury?

A physical or bodily injury that happens accidentally to your pet as a result of external, violent and visible means. For example: broken bones, snake bite, dog/cat fight.

When is the best time to buy my pet insurance?

Puppies and kittens are more likely to develop an illness or injury than an adult pet. Their coordination is still developing along with their immune system. So, we suggest insuring as soon as possible to avoid unexpected surprises that may result in a pre-existing exclusion on your policy, preventing your pet from getting full cover.

But just because your pet isn't a puppy or kitten doesn't mean you can't or shouldn't get pet insurance. As pets age they get sicker and have more and higher vet bills than when they were young. As soon as your pet is 8 weeks of age they can be covered by Rogz Pet Insurance.

Will the cost of my insurance change each year?

Our challenge is to find a healthy balance between providing the best possible benefit, while keeping the premiums as affordable as possible to ensure a sustainable product. With rising costs in veterinary care as well as more advanced treatment available to more pet owners, your premium and/or benefits may change on an annual basis.

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Are on-going conditions covered?

Yes, On-going/chronic conditions are covered.

Does the vet need to sign the claim form for claims?

Yes, the vet does need to sign and vet stamp the claim form. Please ensure that the full diagnosis is included on the claim form and/or on the vet invoice. Incomplete claim forms will be returned to the policy holder.

What are on-going conditions?

On-going/chronic conditions are conditions which once developed, are incurable or are likely to continue for the remainder of your pet's life e.g. diabetes, arthritis.

What is Lifelong cover?

Once your pet has been accepted on the scheme, your pet is covered for the duration of his/her life provided you remain in good standing with the scheme.

What is the amount covered for a visit to the Vet?

Benefits are paid according to 100% of the tariff rate* less R200** excess per claim. Annual sublimits apply and are available on the Rogz Pet Insurance Website or on request (, 0860 00 ROGZ / 0860 00 7649). There is no excess deductible for Routine Care claims.

*The PetSure Tariff Rate was based on the South African Veterinary Council Guideline of Fees and is reviewed annually.

**A R300 excess will apply for pets under the age of 13 months at time of treatment.

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Do I need pre-authorization from Rogz Pet Insurance before my pet is treated?

No, you do not need pre-authorisation before your pet is treated.

How do I get paid when my claim has been approved?

The money will be deposited directly into your bank account. You will be sent a letter by post explaining how the claim was paid.

How long does it take to get reimbursed?

Claims are processed within 2 weeks of receipt and our payment runs are done twice a month.

Is there a limit to the number of claims I can make?

No, there is no limit to the number of claims that you can make.

What documents must I submit with my claim?
  1. A completed claim form.
  2. Proof of payment.
  3. A detailed vet invoice.
  4. On your first Rogz Pet Insurance claim, you must submit a copy of your pet's veterinary history.
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Can I cancel my policy?

Yes, you have a 14 day money back guarantee period from the start date of your policy to review and cancel with no obligation. If you would like to cancel your policy after this period we require one calendar month's written notice to cancel.

How do I renew my policy?

Rogz works on a monthly policy, as long as you pay your premiums, you will remain a member of Rogz Pet Insurance. You do not need to renew your policy.

How do I update my payment information?

Send an e-mail with updated payment information to or call 0860 00 ROGZ / 0860 00 7649.

What are my payment options?

  1. Monthly debit order on 26th (for the next month) 1st or 4th of the month.
  2. Credit card - automatic debit on 26th (for the next month) 1st or 4th of the month.
  3. Annual payments by EFT or credit card only.

When will my credit card / debit card be charged?

You may choose either the 26th (for the next month), 1st or 4th of the month for payments to be charged.

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Can I change my pet's coverage during the year?

Yes, on your Pet's Anniversary date. Only one change is permitted in the life time of your Pet at the discretion of the Underwriter.

Can I transfer my policy to a new owner?

No, but you can change the pet over to a new owner.

The original owner will have to notify Rogz Pet Insurance of the change of ownership.

The original owner will then be required to cancel their Pet's cover on their policy and the new owner will send through an application form re-joining the pet under their name with new banking details.

The new owner will receive a New Policy (or Updated Policy if they are already a member of Rogz) covering the Pet.

The one calendar month waiting period will not apply unless there is a lapse in the monthly premium payment between Change of Ownership.

NOTE: There might be a change in premium due to a combination of different risk factors.

If I cancel my policy for any reason, will I get a refund?

Yes, you have a 14 day money back guarantee period from the start date of your policy to review and cancel with no obligation. If you would like to cancel your policy after this period we require one calendar month's written notice to cancel (there will not be a refund). If your pet has unexpectedly passed away, we will refund any premiums that have been debited for cover for the following months on an annual policy (one month cancellation period will not apply).

If I cancel my policy will I be able to reinstate my pet's coverage later?

Yes, but any new conditions that develop when your pet is not covered will be classified as pre-existing and may be excluded. A one month waiting period will apply after application to re-instate.

IMPORTANT NOTICE: The proposal to reinstate your policy is subject to underwriting guidelines. Acceptance of this insurance for any pet is at the discretion of the underwriters. We reserve the right to decline acceptance of a pet and to vary the conditions on which the insurance is accepted.

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Can the microchip harm my pet?

No. The microchip must be inserted by a veterinarian. It does not move around in the body and it does not harm the pet.

How do I claim reimbursement for the microchip voucher provided with Option C?

The next time you visit the vet with your pet (for a consultation or vaccinations) take the voucher with you and get your pet microchipped. Ask your vet to sign and stamp the voucher and send it through to us with the invoice, and we will refund you directly R100 towards the cost of the microchip. You will need to pay your vet up front in full. Microchipping is done at the owner’s expense. Please note that you will only receive the voucher refund after you have been a member for at least 90 days, even if the claim was made before.

What if my pet is found by someone who does not have a scanner to read a microchip?

Most veterinarians in South Africa are equipped to scan all animals whether they are pets or lost, abandoned or stolen. All branches of the SPCA, as well as Animal Welfare Organizations are supplied with scanners to assist them in the identification of pets. If someone finds your pet it must be taken to the nearest veterinarian or welfare organization to be scanned.

What is a microchip and why do I need one?

Microchips are as big as a grain of rice and are injected under the loose skin in the neck area. The microchip has a unique number coded into it and is read by means of a scanner. The purpose is to quickly and efficiently identify pets and return them to their owners should they become lost.

Why do I need a microchip to claim?

It is a unique number, much like a person's ID number in their ID document. It is essential to have a microchip inserted for claiming purposes as it identifies each pet specifically and has the legal owner's details on the database.

Rogz Pet Insurance is brought to you and underwritten by The Hollard Insurance Company Ltd, an authorised Financial Services Provider. Rogz Pet Insurance is administered by PetSure (Pty) Ltd an authorised Financial Services Provider.