Pet insurance plans vary based on the level of cover and the results of a risk analysis, but there are ways to secure the most affordable premium.
How quickly the bills for treating a pet illness or injury can grow. Failing to get your pet regular check-ups and proper medical care can lead to severe discomfort or even death of a beloved companion.
Put bluntly, pet care is not going to get any cheaper any time soon and your pets are probably going to need qualified medical attention sooner. Having excellent pet insurance means you’re prepared.
Once you’ve passed the waiting period, you can start claiming on pet medical expenses. But everyone seems to be selling pet insurance these days, so which one should you go for?
Cover Search™ trawls the internet to find the best insurance deals so you can spend more time and less money enjoying your pets.
The cheapest and most basic insurance plan for pets. This plan only covers accident-related vet fees, with some policies also covering minor vet costs for illnesses cause as a result of an accident.
Policies that are usually only valid for 1 year and can only be used to cover the costs of treating specific conditions. Once the plan expires, owners will need to either taking out a new policy or covering the costs out-of-pocket.
A comprehensive plan that allows pet owners to claim for various vet treatment costs, up to a specified limit. Once the limit is reached, owners will need to cover all vet fees thereafter.
The most comprehensive (and pricy) cover for pets that let’s you claim back on vet fees up to a specified amount each year of your pet’s life. It tends to covers a wider variety of treatments that other policy types.
Pet insurance plans vary based on the level of cover and the results of a risk analysis, but there are ways to secure the most affordable premium.
You need to send a claims form to your insurer. Here is what you need to do to make a pet insurance claim.
Yes, most providers offer policies that allow you to claim instantly for emergencies. However, there are plans and procedures that require a waiting period of 14-days. You can check the policy details to confirm if there are any waiting periods on claims.
No, pet insurance does not cover routine treatments like vaccinations and check-ups.
Absolutely! You can cover more than one pet with the same provider. Most providers even offer a discount once you add a second or third pet to the policy.
Yes, there are plans that older pets will qualify for, but most comprehensive plans do have age limits of about 8 years for dogs and cats.
It depends on your provider and chosen plan, but in general, no, pre-existing conditions are not covered by pet insurance. Some providers will approve cover for pre-existing conditions if the pet has been symptom free for at least 2 years.
Yes, there are UK charities that can help with vet bills if you are retired, struggling with a limited income, or if you receive certain state benefits. You can contact:
PDSA - they treats animals from owners that get financial help from specific state benefits (Housing Benefit or Council Tax support). In exchange for complimentary vet care, they do ask pet owners to donate what they can to the cost.
Blue Cross - they runs four animal hospitals and pet care clinics that offer free veterinary services to those of low income.
Dogs Trust – they offer financial support to dog owners that reside in certain areas of the UK with a low income or specific means-tested benefit, with the goal to assist with the cost of neutering.
Quick, Quality Pet Insurance Quotes
Cover Search is a matchmaking service that connects users with trusted providers offering fair and affordable insurance policies. Our network of financial service providers consist strictly of insurers that have been vetted to ensure they are registered and offer optimal care to their members.
Finding insurance quotes should be free and easy, and that’s what Cover Search is all about.
We only have registered and vetted financial service providers in our insurer network.
Cover Search continually works to ensure users are matched with providers that can offer competitive premiums.
We've helped over 5000 pet owners offer their dogs and cats a protected lifestyle.
Cover Search is a fast, and free service that matches you with vetted, compliant financial services providers (FSPs).
Cover Search is not an FSP.
Your data is safe. Click or tap below for our T's & C's
Online Marketing Guys (PTY) Ltd
(Registration No: 2012/076460/07)
of 67 Forest Drive, Pinelands, Cape Town, 7405, South Africa
(as the “Company”)
1. In terms of Section 11 of the Electronic Communications and Transactions Act 25 of 2002, as amended (“ECTA”) these Terms and Conditions (“T&C’s”) are binding and enforceable against all persons that access the OMG Lead Generation Platform (the “Platform”) or any part thereof or make use of the Platform.
2. If you do not agree with the T&C’s, do not accept and do not click the accept box. Leave immediately and terminate use of the Platform. Any delay in leaving and terminating use of the Platform shall be regarded as the User’s full and unconditional understanding and acceptance of these T&C’s.
3. DEFINITIONS AND INTERPRETATIONS
In these T&C’s, unless the context indicates that some other meaning is intended:
3.1. “User” means a Registered User who has completed the electronic registration for the Platform as a User who is a natural or a juristic person and utilises the Platform of the Company as listed on the Website;
3.2. “OMG Lead Generation Platform” or “Platform” means the Online Platform located on the Website;
3.3. “web domain address” means the website hosted on the domain https://coversearch.co.za/
3.4. Any words indicated with inverted commas and starting with a capital letter shall bear the definition of the phrase or concept immediately preceding same as if it were included as a definition in terms of this clause;
3.5. References herein to the singular include the plural and vice versa; and
3.6. Hyperlinks have been used in these T&C’s. The fact that some or all of the hyperlinks may be non-operational shall not play a role in the determination of the validity and interpretation of these T&C’s.
4. USER INFORMATION
4.1. The Company will respect the privacy of the Registered Users and will take reasonable measures to protect it, as more fully detailed below.
4.2. When registering on the Platform the Company will require that Registered Users provide it with personal information.
4.3. Should the Registered User’s personal information change, the Registered User shall inform the Company and provide it with updates to his/her/its personal information as soon as reasonably possible to enable the Company to update such personal information.
4.4. The Registered User may choose to provide additional personal information to the Company, in which event the Registered User agrees to provide accurate and current information, and not to impersonate or misrepresent any person or entity or falsely state or otherwise misrepresent their affiliation with anyone or anything.
5. PURPOSE AND MANNER OF PERSONAL DATA COLLECTION AND USE
5.1. The Company collects and processes personal data in accordance with the provisions of the European Union General Data Protection Regulation (“GDPR”) and Protection of Personal Information Act, No 4 of 2013 (“POPIA”), as amended and other regulations in force in the Republic of South Africa.
6. PRIVACY STATEMENT IN TERMS OF THE GDPR AND POPIA
6.1. The following data will be collected:
6.1.1. The Registered User’s Name, Email Address, Telephone Number, IP address, non-personal browsing habits and click patterns, Postal Address, Gender, Age, Employment Status, previous Financial Lenders, if the Registered User is a Homeowner and the Property Value; if the Registered User wishes to borrow money, then the amount and time period you wish to repay it in, and any other Debts.
6.1.2. As and when necessary, The Company may electronically collect, store, disclose and/or use the personal information.
6.1.3. Information collected from Registered Users is required to utilise the functionality of the Platform and such information shall not be used for any other purpose without the Registered User’s prior consent.
6.1.4. All information collected is kept strictly confidential, and all reasonable steps are taken to ensure that information is secured in storage until ultimate destruction. It will not be shared with any third party without the prior written consent of the Registered User.
6.1.5. The Company shall take all reasonable steps to protect the personal information of Registered Users and is committed to respecting the privacy of the Registered User’s personal information. For the purpose of these T&C’s, “personal information” shall be defined as detailed in the POPIA. As and when necessary, The Company may electronically collect, store, disclose and/or use the Registered User’s personal information.
6.1.6. The Company will ensure that all its employees, third-party service providers, (including their employees and third-party service providers) having access to the Registered User’s personal information are bound by appropriate and legally binding confidentiality obligations in relation to the Registered User’s personal information and that such confidentiality meets any applicable law, regulation, legal process, or enforceable governmental request.
6.1.7. The Registered User’s personal data will be hosted and stored in countries which might not have the adequacy decision of the European Union; other third-party contractors may have access to the Registered User’s data only for the purpose specified herein, and the access of such third parties is strictly controlled.
6.1.8. Whenever the Company is sending data to countries that are not providing the same level of protection as the EU’s GDPR, the Company will use appropriate safeguards to protect the Registered User’s personal data, including but not limited to Standard Contractual Clauses for Processors.
6.2. The Company collects stores and uses the abovementioned information in order to:
6.2.1. Communicate requested information to Registered Users;
6.2.2. Respond to queries, responses or complaints submitted by Registered Users;
6.2.3. Process orders or applications for The Company Products and/or services;
6.2.4. Create Products or services that may meet the future requirements of Registered Users;
6.2.5. Provide Registered Users with access to restricted pages on the Platform; and
6.2.6. Compile non-personal statistical information about browsing habits, click patterns and access to the Platform.
6.4. The Company may further collect non-personal information, for example, the Registered User’s IP address, the date and time of their visits to the Platform, and browser history, to recognise the Registered User during any subsequent visits to the Platform and/or use of the online services. The Company may further use this non-personal information to develop future products and/or services to meet the Registered User’s requirements and needs.
6.5. The Company owns and retains all rights to the non-personal statistical information collected and compiled by the Company.
6.6. The Company will not share the Registered User’s personal information outside of the Company except in the following cases:
6.6.1. With prior consent;
6.6.2. With its employees and/or third-party service providers who assist with the Platform;
6.6.3. When processing of information is necessary for the performance of a contract with the Registered User;
6.6.4. When The Company has a legal obligation to share the information;
6.6.5. When the information is necessary in order to protect the vital interests of the Registered User or of another person;
6.6.6. When the information is necessary for the performance of a task carried out in the public interest or the exercise of official authority vested;
6.6.7. When the information is necessary for the purposes of the legitimate interests pursued by the Company or by a third party, except where such interests are overridden by the interests or fundamental rights and freedoms of the Registered User which require protection of personal data.
6.7. It is not allowed (hereinafter “Prohibited Practices”) to:
6.7.1. Use the Platform in a manner which may cause damage to the Company, other Users or any third party;
6.7.2. Undermine the security or integrity of any of the Company’s computing systems or networks;
6.7.3. Use the Platform in any way to impair functionality or interfere with other Users;
6.7.4. Access the Platform or Website without permission;
6.7.5. Make use of the Company’s systems to commit fraud;
6.7.6. Act in a manner that is disrespectful or abusive to the Company systems and staff;
6.7.7. publish, upload, exchange or transmit Prohibited Content;
6.7.8. publish, upload, exchange or transmit any content that the Registered User knows to be false or untrue, or has justifiable reasons to believe it to be false or untrue, and whose use may cause damage to the Company, other Users or third parties;
6.7.9. for any Registered User misrepresenting him/her/itself for the purpose of deceiving the Company, the Users or third parties;
6.7.10. publish, upload, exchange or transmit to the Company, other Users or third parties any unwanted notices or other content of commercial or malicious nature, without prior request or consent, mainly including notices and other content of the same or similar nature;
6.7.11. purposeful publishing, uploading, exchange or transmission of any content containing computer viruses, worms, and programs that may obstruct or hinder the regular operation of the Platform, cause damage or destruction of any computer program, or any computer and other equipment owned by the Company other Users or third parties;
6.7.12. collect, process or use personal data of the Registered Users or third parties in an unauthorised manner;
6.7.13. engage in overt or covert advertising (verbal or graphic representation of Products, personal names, names of companies, names, trademarks (registered or unregistered trademarks and service marks), businesses etc.) in an unauthorised manner.
7. COLLECTION AND PROCESSING OF PERSONAL DATA BY OTHER USERS OR THIRD PARTIES
7.1. The Platform contains content and may contain Links to third-party Platform, through which other Registered Users or third parties may gain authorised or unauthorised access to the Registered User’s personal data. These T&C’s do not apply to the collection, processing or use of personal data that the Registered User has communicated to other Registered Users and/or third parties. It is in the Registered User’s best interest to acquaint themselves with the rules of personal data protection, and the protection of privacy applied by other Registered Users and/or third parties.
7.2. By furnishing the Company with its personal information via the online form, survey, quiz or questionnaire, the Registered User consents to the Company’s usage of its personal information in respect of the services it provides.
7.2.1. In doing so, the Company aims to collect the least amount of personal information that is required to process, as a result of the specific query made by the Registered User. Based on the specific query, the personal information collected will be sent to the Third-Party to contact the Registered user about their offerings in line with the query.
8. MODIFICATION AND DELETION OF PERSONAL DATA
The Registered User is legally entitled to request modification or deletion of their personal data or deletion from the Registered User database at any time. Modification or deletion of data shall be effected on the basis of an appropriate notice addressed to The Company.
9. DISCLOSURES REQUIRED BY SECTION 43 OF THE ECTA
Access to the services, content, software and downloads available from the Online Products may be classified as “electronic transactions” as defined in terms of ECTA and you therefore may have the rights detailed in ECTA. Accordingly, the following information is provided:
9.1. The full name and legal status of the Online Product owner: Online Marketing Guys (PTY) Ltd with (Registration No: 2012/076460/07).
9.2. Physical Address: 67 Forest Drive, Pinelands, Cape Town, 7405, South Africa
9.3. Main business: Marketing and collection of Personal Information from individuals who may be interested in a specific type of service, and the sale of this Personal Information to the Company’s clients, whose businesses provide the services in the area for which the personal information was collected.
9.4. The Website address of the Website is: https://coversearch.co.za/
9.5. The official e-mail address of the Website is: firstname.lastname@example.org
9.6. Access to and use of the Website is provided free of charge and paid for;
9.7. Users may lodge complaints concerning the Platform: email@example.com
9.8. Users may opt out of email marketing communications at any time by unsubscribing via this link: Unsubscribe
10.2. A cookie is a group of data serving as the Registered User’s anonymous individual identifier that is sent by its browser Platform. Cookies are sent when the Registered User accesses the Platform. They are stored on the Registered User’s computer and serve to record information about the Registered User’s subsequent online visits. Therefore, after a cookie has been stored on the Registered User’s computer every time the Registered User returns to the Platform, it shall look for the cookie in order to read the stored data.
10.3. A cookie is an anonymous individual identifier; it does not contain or send any personal information to the Platform that is stored on a Registered User’s computer but only enables faster and more efficient activation of information, data and settings previously communicated during access and use of the Platform.
10.4. The Registered User can modify or disable cookies through the Options or Settings of their browser that allows the Registered User to select an appropriate option for receiving cookies or even to disable them entirely. However, disabling cookies completely will reduce the efficiency of some content available on some Platform.