Your Pets

Pet insurance works similarly to health insurance for people, which covers unexpected injuries and illnesses that your pet may experience. As long as your pet remains insured and qualifies for accident and illness cover, the policy will continue to provide the specified level of cover. Pet insurance works on a reimbursement basis, where you pay the veterinarian upfront and then submit a claim for qualifying expenses.

Virseker’s pet insurance offers 5 plans to suit your pocket and your pet’s needs. Cover starts from as little as R110 per month and is dependent on the product and risk profile.

Accident only 
This type of insurance covers accidents and injuries that occur to your pet. It does not cover illnesses or other medical conditions. 

Hospital
This type of insurance cover will help you to pay the larger veterinary bills if your pet is admitted to hospital as a result of an accident or illness. 



Accident and illness
This type of insurance covers both accidents and illnesses that occur to your pet. It is the most comprehensive cover option and usually also includes routine care cover. 

Yes, 100%! We offer a multi‑pet discount if you insure more than one pet. Multi‑pet discount is 10% for 2 pets or 15% for 3 or more pets. (Pets must be on the same plan to benefit from the discount).

Pet insurance works similarly to medical aid, but for pets. It helps to cover veterinary costs for unexpected illnesses or injuries. Although there are similarities, there are important differences between pet insurance and human health insurance. Pet insurance usually reimburses you after you have paid the veterinarian, while human health insurance often pays the provider directly. Veterinarians usually recommend pet insurance, as it can help to cover high vet bills, especially for treatments such as cancer or operations. It is worth considering pet insurance to effectively manage unexpected veterinary expenses. 

No waiting period for accidents (including accidental death under Dignified End), 
30‑day waiting period for illness, Wellness, Minor Care, Diagnostics and 3rd Party claims. 
6‑month waiting period for death as a result of natural causes (old age) under Dignified End. 
12‑month waiting period (on Feather‑light, Hospital‑hare, Cat’s‑whiskers and Show‑peacock Plans) for congenital/hereditary conditions. 

Pre‑existing conditions are excluded on all plans. 

For the first 12 months of cover on the Feather‑light, Hospital‑hare, Cat’s‑whiskers and Show‑peacock plans the following are excluded: hip dysplasia, elbow dysplasia, displacement of the patella (kneecap), entropion, ectropion, cherry eye, cruciate ligament rupture, brachycephalic conditions in flat‑faced breeds and intervertebral disc disease (IVDD) in long‑bodied breeds. 

Overall exclusion of congenital/hereditary conditions on the Accident‑bird Plan.