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

SAVE 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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Am I limited to a list of veterinarians or can my pet visit any vet I choose?

You can use any Veterinarian who is licenced to practice in South Africa.

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 is an Illness?

An Illness means an unexpected sickness or disease or any change to your pet's normal healthy state, which is not caused by injury to your pet. For example: upset stomach, skin conditions, ear infection.

What Is Rogz Pet Insurance?

Rogz Pet Insurance helps you pay your pet's veterinary bills so you never have to choose between your pet's health and your personal finances. With increasing veterinary costs and advancement in veterinary care, Pet Insurance is an option more owners are considering.

IMPORTANT NOTICE: We recommend the products we distribute. In doing so, we do not consider whether the product is appropriate for your own personal objectives, financial situation or needs. This Insurance is subject to limitations, conditions and exclusions. For full details of the protection provided by the policy, please read the Policy Document and Schedule of Benefits carefully.

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, Rogz Pet Insurance reviews Benefits and Premiums on an annual* basis and if amended, these are implemented on 1st March.

*Annual/per annum/policy year refers to the 12-month period between the anniversaries of the pet’s start date. Benefits renew on the anniversary of the pet’s start date.

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Are competition or racing animals covered?

No, we do not cover claims for the treatment of pets used for commercial purposes, unless specifically agreed to in writing. This includes, but is not limited to police or guard dogs, search/rescue and customs/quarantine dogs, pets used for racing, laboratory testing or experimentation, commercial breeding or any pet leased or rented out.

Do you cover ligament and knee conditions such as cruciate ligament injuries?

Yes, we do cover orthopaedic and ligament surgeries. We cover one cruciate surgery per pet per policy year*.

*Annual/per annum/policy year refers to the 12-month period between the anniversaries of the pet’s start date. Benefits renew on the anniversary of the pet’s start date.

Does my pet need to be vaccinated to qualify for cover?

Your pet will not be covered for illnesses that are preventable through vaccination therefore we recommend that your pet must have been vaccinated within the last year.

Does Rogz Pet Insurance cover elective surgeries?

Elective surgeries such as dew claw removal and cosmetic surgeries are not covered.

Is my coverage reduced for going to a specialist vet or an emergency vet?

No, your benefits will still be paid according to the tariff rate*.

*The Rogz Pet Insurance Tariff Rate is based on Petsure’s internal tariff of fees which is reviewed annually.

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Can I submit a claim for multiple visits for the same medical condition?

Yes.

How long does it take to get reimbursed?

Claims are processed within 14 working days of receipt and our payment runs are done twice a month.

Is there a cut-off period after which I cannot make a claim?

Yes, if you submit claims more than 2 months after the treatment date, Rogz Pet Insurance will not be liable to pay those claims.

What is the overall annual limit?

R30 000** for Options B and C and R8 000** for Option A. Annual* sublimits apply.

*Annual/per annum/policy year refers to the 12-month period between the anniversaries of the pet’s start date. Benefits renew on the anniversary of the pet’s start date.

**The overall annual maximum is per pet’s policy year.

Will anything delay reimbursement for my claim?

Yes, claims processing will be delayed if claims are not legible - this may occur with faxed claims. Claims processing may also be delayed if the claim form is not filled out completely or the claim form, invoice or proof of payment is not submitted.

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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

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.

*Annual/per annum/policy year refers to the 12-month period between the anniversaries of the pet’s start date. Benefits renew on the anniversary of the pet’s start date.

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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How do I get my pet microchipped?

Your pet needs to be microchipped at the veterinarian or welfare organization. The microchips are individually packaged in a sterile syringe, and a veterinarian simply injects it under the skin between the shoulder blades. When the microchip is injected, owners need to complete a registration form with all contact details and the pet's details. One copy of the form goes to the owner, one copy to the vet and one copy goes to the microchip company. Microchipping is done at the owner’s expense.

Is it painful to insert a microchip?

No more than any inoculation.

What happens if my pet does not have a microchip?

If your pet does not have a microchip, Rogz Pet Insurance requires that you have one inserted when you next visit your vet. You will need to pay your vet up front in full. Microchipping is done at the owner’s expense. Go to www.identipet.co.za for more information on the value of microchipping your pet for easy identification. Please note that you will not be able to make a claim without proof that your pet has a microchip.

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.

Where can I find out more information on Microchipping?

Go to www.identipet.co.za

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.