Accidents do not wait for payday
Accident hospital admission cover can start immediately, subject to eligibility and policy terms.
Pet insurance quotes South Africa • 2026
Get a pet insurance quote in South Africa without the runaround
See OnePlan's published prices and limits, learn what changes your premium, then take the quick quiz to get your real quote.
Free to use. Cactus does not sell policies online.
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Cactus connects you. OnePlan helps with your quote, policy and claims.
“So far they have paid every claim promptly without hesitation.”
Accident-only cover from R80 per pet monthly*
Five plan options
Vets nationwide
Super plan: up to R75,000 annually
*Your price and cover depend on your pet and the plan you choose. Waiting periods and limits apply.
Why Cactus?
- 01
Tell us about your pet
A guided quiz covers the details that shape the conversation.
- 02
Talk to OnePlan
Cactus introduces your enquiry. OnePlan may call about cover and costs.
- 03
Decide with the details
Ask questions, compare the options and choose without obligation.
From the Desk of The Cactus Team
Detecting your area...
Current local conditions unavailable.
30 October 2026
Dear Pet Parent Looking for a Quote,
You want a number. Fair enough.
Most sites make you hunt for it, then bury the terms.
So here are the published prices and limits up front, and what decides your actual price.
Know the price range before anyone calls.
“It gives me as a fur baby mom breathing space in medical situations.”
Your quote depends on your pet and the plan. The starting prices below give you a fair idea of the range.
Take the quick quiz. If your details fit, OnePlan may call with your quote.
No card needed. No policy bought by doing the quiz.
Quick answer
OnePlan pet insurance quotes in South Africa start at R80 per pet per month for accident-only cover, and from R160, R190, R280 and R430 a month for broader plans. Overall annual limits range from R8,500 to R75,000. Your quote depends on your pet's species, breed, age and plan.
Quick pet quiz • No card required • OnePlan may call
Quotes, plainly
A quote is your real price, not the advertised one
Every insurer shows a "from" price. It's a starting point. Your quote is the number you'd actually pay for your pet on the plan you pick.
That's why a quote is worth getting before you decide. It turns a guess into a fact.
OnePlan published prices
Five plans, five starting prices and five annual limits
These are OnePlan's current published starting prices and overall annual limits. Premiums are risk-profile dependent.
- Accident: R80 per pet / month. Annual limit R8,500. Accident hospital admission only, no illness.
- Primary: from R160 / month. Annual limit R18,000.
- Hospital: from R190 / month. Annual limit R48,500.
- Classic: from R280 / month. Annual limit R52,000.
- Super: from R430 / month. Annual limit up to R75,000.
Your premium
What changes the price on your quote
A few details shape the number OnePlan quotes you. Have them ready.
- Dog or cat.
- Breed, including mixed breeds.
- Your pet's age.
- The plan and level of cover you choose.
- How many pets you're insuring.
Why pet parents explore cover early
Keep the vet you already trust
OnePlan works with vets nationwide. The payment process can differ by vet and treatment.
Understand the details before you need them
Five plan options have different prices, benefits and limits. Waiting periods and exclusions matter too.
Tests and scans add up
Day-to-day benefits on some plans help with vet visits such as blood tests and x-rays, within plan limits.
Routine care counts too
Some plans include routine care benefits for things like vaccinations and deworming. Ask what yours includes.
Ask about dental and parasites
Dental and tick or flea care sit under specific benefits with their own limits. Check before you rely on them.
Real situations. Real outcomes.
What happened when pet owners needed their cover
Seven published OnePlan customer experiences. Read what went wrong, what they did and how it turned out.
Emergency hospital care
When Maddie swallowed a fishing hook
What happened
Maddie swallowed a fishing hook and needed hospital care after hours.
What they did
Monique says OnePlan helped with the after-hours approval while she was distressed.
The outcome
The hook was removed and Maddie went home to recover. Monique says the funds arrived within 48 hours.
Monique and Maddie
OnePlan published customer story
Story 1 of 7
The mechanism
How help with vet bills works
Two simple routes. Which one you use depends on the kind of care your pet needs.
Everyday eligible care
Pay at the vet with your Claim Card
- 1
Request
Ask for available day-to-day funds in the OnePlan app.
- 2
Load
Approved eligible funds go onto your OnePlan Claim Card.
- 3
Pay
Use the card toward the vet bill. No waiting for a refund.
Hospital and emergencies
Get the admission pre-authorised
- 1
Call
Contact OnePlan for pre-authorisation, after hours too.
- 2
Check
OnePlan checks the admission against your policy.
- 3
Treat
Your vet follows the approved payment process.
What you can claim depends on your plan. Hospital treatment needs pre-authorisation.
No policy is bought online • OnePlan explains your options
Explore the five options
Different pets. Different budgets. Five OnePlan options.
Accident plan
From
R80
per pet / monthAccidents only. Illness not included.
Overall annual limit
R8,500
Your price depends on your pet and chosen plan. Cover, waiting periods and limits vary by plan.
Compare all five plans on a call • You decide afterwards
Read past the price
Compare these on every quote
Two quotes at the same price can pay out very differently. Check these before you say yes.
- Accident hospital admission: immediate cover, subject to terms.
- Illness hospital admission: 60-day waiting period.
- Sub-limits for the treatment your pet is most likely to need.
- How pre-existing and hereditary conditions are handled.
- Claims: the OnePlan Claim Card for eligible day-to-day care, and pre-authorisation for hospital stays.
On the call
Questions to ask when OnePlan quotes you
Write the answers down. It makes comparing easy.
- What is my exact monthly premium?
- What is the annual limit, and which sub-limits apply?
- When does each waiting period end?
- Can I keep using my own vet?
- Is there a multi-pet discount for my pets?
Published customer feedback
What OnePlan pet owners say
Nadine N
Dog owner
Insured since 2016
“My pets have been insured with OnePlan since 2016. I've always received impeccable service from them. Last week my one doggy passed away and OnePlan has shown so much understanding and compassion throughout this time.”
Published by OnePlan
Jean-Marie S
Dog owner
Adding our new puppy
“Celine Kriel assisted me with adding our new puppy to my existing policy, and the entire process was incredibly easy and stress-free. She explained everything clearly, handled my request quickly, and made sure everything was sorted without any hassle.”
Published on Hellopeter · 4 October 2026
Alyssa v
Pet owner
Patient on the phone
“Lindelani Mbedzi assisted me with a pet insurance process. They were so patient with me on the phone and took time to explain the process which made it so much easier. I have had such a pleasant interaction with every person I have interacted with from One Plan.”
Published on Trustpilot · 1 April 2025
Belinda
Pet owner
Outstanding service
“I am writing to extend my deepest gratitude for the outstanding service we have received from Oneplan pet insurance. They are professional, responsive and show genuine commitment to customer satisfaction.”
Published by OnePlan
Louise G
Dog owner
A policy for my doggies
“Gershwin Lewis was so kind and friendly and assisted me with a policy for my doggies. Thanks Gershwin for all your professional friendly service.”
Published on Hellopeter · 31 March 2026
Leone M
Pet owner
Top notch service
“Well done Gershwin! Your service is top notch. 10/10 for customer service!”
Published on Hellopeter · 28 May 2026
Common questions
Take the quick pet quiz on this page. If your details fit, OnePlan may call you to talk through your pet and give you a quote. Cactus doesn't sell policies or take payment online.
Understand your options before you need them
Take the quick pet quiz. It does not buy insurance. It gives OnePlan a starting point for a conversation about price, cover and claims.
“Clear and to the point, very helpful and a pleasure to deal with!”
A few questions about your pet • Nothing to pay today
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Cactus is a lead-generation and referral platform operated by Leads Elite (Pty) Ltd. Cactus is not an insurer, underwriter, policy administrator, claims administrator or financial adviser. OnePlan provides any quote, underwriting, policy, servicing and claims. Product details are based on OnePlan's current public 2026 information and can change.