How To Apply For Paw paw Pet Insurance In South Africa

Paw Paw Pet Insurance is a sort of insurance that covers veterinarian costs associated with the diagnosis, treatment, and care of animals. This insurance is intended to assist pet owners in covering the costs of unforeseen diseases or injuries that may occur to their animals. 

The cost of veterinarian care, including hospital stays, prescription drugs, operations, and diagnostic tests, is covered by Paw Paw Pet Insurance. Depending on the policy, the coverage may also include preventive care such as immunisations, wellness checks, and dental cleanings.

Features of Paw Paw Pet Insurance 

1. No Annual Limit on Cover: 

Paw Paw Pet Insurance provides comprehensive coverage without imposing any annual limit on the amount they will pay for eligible claims. This means that as long as the policy is in force, the insured pet can receive medical treatment throughout the year without being restricted by a maximum payout.

2. Eligibility Age Range: 

Pets must be between 8 weeks and 8 years old to be eligible for coverage under Paw Paw Pet Insurance. This age range ensures that young pets can be covered from an early age, and older pets can also receive insurance protection during their prime years.

3. General Waiting Period: 

There is a waiting period of 30 days from the start date of the policy. During this initial period, the policy may not cover certain medical conditions or treatments to prevent fraudulent claims and provide a fair assessment of the pet’s health.

4. Coverage for Accidental Injuries: 

Paw Paw Pet Insurance provides coverage for accidental injuries from the date of policy inception. This means that if a covered pet sustains an accidental injury after the policy becomes active, the costs of necessary medical treatment can be reimbursed.

5. No Exclusions Based on Breed: 

Unlike some pet insurance providers that may exclude certain breed-related conditions, Paw Paw Pet Insurance covers all breeds without any breed-specific exclusions. This ensures that pets of all breeds are eligible for equal protection.

6. Efficient Claims Processing: 

Paw Paw Pet Insurance processes claims within 72 hours, ensuring prompt reimbursement for eligible expenses. Additionally, policyholders have the option to receive payments directly to the veterinarian or to themselves as required.

7. Discount for Young Pets: 

Pets under 4 years old are eligible for a 10% discount on their insurance premiums. This incentivizes pet owners to insure their pets at a younger age, encouraging responsible pet ownership and ensuring early protection.

8. Co-insurance Period for Older Pets: 

For pets over 4 years old, there is a 50% co-insurance period for the first six months on all treatments, diagnostics, and surgeries related to specific conditions like hips, knees, elbows, shoulders, spine, eyes, nictitating membranes, and the urinary bladder system. This means that the policyholder will be responsible for 50% of the costs during this initial period, and the insurance will cover the remaining 50%.

9. Pre-Authorizations for Non-Emergency Treatments: 

To prevent unexpected shortfalls and ensure clarity on coverage, Paw Paw Pet Insurance requires pre-authorization for non-emergency treatments. Without pre-approval, an additional 20% excess will apply, with a minimum of R500.00 for each unauthorised claim. This encourages pet owners to seek approval in advance for non-urgent medical procedures, providing better financial planning and avoiding unexpected costs.

Step by Step Methods of Applying for Paw Paw Pet Insurance 

1. Visit the Paw Paw Pet Insurance Website:

 Start by visiting the official website of Paw Paw Pet Insurance at “

using your preferred web browser.

2. Click the “Get a Quote” or “Get Started” Button: 

Look for a prominent button on the website that invites you to get a quote or start the application process. Click on it to proceed.

3. Fill in the Required Information: 

You will be directed to a form where you need to provide some essential details. This includes your personal information and information about your pet, such as its name, breed, age, and any pre-existing medical conditions.

4. Select the Type of Cover: 

Choose the type of pet insurance cover you want. Paw Paw Pet Insurance may offer options like accident and illness cover or accident-only cover. Select the one that suits your pet’s needs.

5. Choose Your Excess and Cover Limits: 

An excess is the amount you agree to pay towards any claims. Choose your desired excess amount and the cover limits that align with your preferences and budget.

6. Review Policy Details and Pricing: 

Take the time to carefully review the policy details and pricing provided. Make sure you understand the coverage inclusions and any limitations or exclusions.

7. Click on “Buy Now” or “Apply Now”:

 If you are satisfied with the policy and pricing, proceed to click on the button that says “Buy Now” or “Apply Now” to initiate the purchase process.

8. Complete the Application Process: 

Provide any additional required information and payment details as requested. This may include your contact information, payment method, and other necessary details.

9. Receive Confirmation: 

Once your application is approved, you will receive confirmation of your cover, along with your policy documents. Keep these documents safe for future reference.

10. Begin Using Your Cover:

 Your Paw Paw Pet Insurance policy is now active, and you can start using it to cover your pet’s healthcare needs. In the event of an eligible claim, follow the company’s claims process to seek reimbursement for covered expenses.

How To Contact Paw Paw Pet Insurance Customer Support 

Find a committed staff that is prepared to help you with all of your pet insurance needs. Knowledgeable experts at Paw Paw are available to help pet owners with anything from policy questions to claim guidance, ensuring a smooth and comforting experience. Accept the assistance of a trustworthy companion as we explore the individualised care that is in store, ensuring that your cherished pets get the best care and protection on their path to wellness.

At PawPaw, we take great pleasure in the way we treat our customers.

Care for our clients’ pets is just as essential to us as making sure they enjoy their PawPaw experience.

We always appreciate feedback, and it would be an honour to get yours! Our ears are open.

Paw Paw Pet Insurance Customer Support Telephone Number:

021 403 9177

Paw Paw Pet Insurance Customer Support Email Address:

Payment for Paw Paw Pet Insurance 

1.Coverage Type: 

The premium price may vary depending on the type of coverage chosen, such as accident-only or accident and illness cover.

2. Age of the Pet: 

The premium may be affected by the age of the Pet. Younger animals may have cheaper rates since some health problems are thought to affect them less frequently.

3.The Breed of the Pet:

The breed of the pet can affect the premium price because some dog and cat breeds may be more prone to certain health concerns.

4. Health state: 

When determining the premium, the premium may take into account the pet’s current health state as well as any pre-existing medical issues.

5. Policy Limits: 

The policy limits, such as the maximum payout amounts, might affect the cost of the premium.

6. Excess Amount: 

The policyholder’s agreed-upon contribution to any claims is known as the excess. A lower premium may arise from a bigger excess, whereas a higher premium may result from a lower excess.

7. Discount for several pets: 

Some pet insurance companies provide discounts for covering multiple animals, which can lower the overall premium cost.

8. Optional Add-Ons: 

Extra coverage choices, such preventative care or wellness programmes, may increase the cost of the premium.

9. Geographic Location: 

Due to regional variations in veterinary costs, the premium may vary depending on the pet’s residence.

10. Policyholder’s Personal Information: 

When calculating the premium, the policyholder’s age, location, and other personal information may be taken into consideration.

11. Claims History:

 In some situations, particularly for renewals, the pet’s claims history may be taken into account.

Different Plans for Paw Paw Pet Insurance 

1. Accident Plan: 

In pet insurance, the Accident Plan normally pays for any expenses related to accidents that might happen to your pet. Accidents can result in injuries from slips and falls, auto collisions, or other unplanned catastrophes. This strategy is primarily concerned with covering unexpected emergencies that arise from accidents.

Paw Paw Pet Insurance provides cover for unforeseen incidents or injuries for your pet, including:

  • Motor vehicle accidents
  • Burns or electrocution
  • Falls from elevated positions
  • Near drowning incidents
  • Actions of other animals, such as fights
  • Swallowing foreign objects requiring surgical or endoscopic removal
  • Snake bites
  • Allergic reactions to insect bites (excluding tick or flea bites)
  • Biliary as an accident
  • Poisoning

The cover also includes the following:

  • Fractured bones
  • Traumatic ligament or tendon injuries
  • Lacerations, abrasions, or wounds
  • Gastric torsion (Gastric dilation volvulus)

2. Comprehensive Plan: 

A more comprehensive level of coverage, the Comprehensive Plan is also referred to as an accident and illness plan. It covers a range of illnesses and medical issues that your pet might experience throughout their lifetime in addition to unintentional injuries. A greater range of medical procedures, diagnostic tests, prescription drugs, surgeries, and other essential veterinary care are often covered by this plan.

It covers the following:

  • Acute Illness and Injury Coverage: 

 Your pet’s injuries and acute illnesses are covered by Paw Paw Pet Insurance. This protection covers veterinary consultations, essential drugs, diagnostic testing (including blood work and X-rays), surgeries, pathology, and radiology, among other things.

  • Chronic Cover: 

With pre-authorization and a clinical treatment procedure, Paw Paw Pet Insurance offers an optional chronic cover. A monthly subsidy as well as an additional payment may be needed for this coverage. Medical illnesses known as chronic conditions must be treated and managed continuously.

  •   Genetic Conditions Are Covered: 

As long as the conditions are not already                        present, Paw Paw Pet Insurance covers genetic ailments. Genetic disorders called hereditary diseases can be passed down through a pet’s family tree.

  • Supportive Rehabilitation: 

Paw Paw Pet Insurance will pay for post-surgery supportive rehabilitation with prior approval and following treatment guidelines. This insurance is offered to help with the healing and rehabilitation of animals that have undergone orthopaedic surgery.

  • Qualification for Rehabilitation Treatment:

 The sessions must start no later than two weeks after orthopaedic surgery in order to be eligible for rehabilitation treatment. The coverage is restricted to a maximum of 6 therapy sessions and is only valid for a period of two months following the operation date.

Frequently Asked Questions 


While your pet might be healthy today, there is no way to predict what might happen in the future. In the event of an accident or Injury, PawPaw Pet Insurance will make it possible that your pet has access to the best care possible. Why take the chance of making heart-breaking choices, based on your finances?


PawPaw Pet Insurance covers up to 90% of the veterinary bills for any unexpected illness or injury that your pet may suffer. It is very important that you take the time to read the PawPaw policy terms and conditions. The PawPaw policy document is a short, single page document written in clear concise language, with no fine print or complicated clauses. If you have any questions please contact your broker, or alternatively email or contact us on 021 403 9177.


Any dog or cat over the age of 8 weeks and under the age of 8 years may sign up for comprehensive cover, from 8 weeks and up at inception for Accident only cover.


 No, we do not require your pets be microchipped or tattooed before cover.


No, we do not exclude pets that have not been spayed or neutered nor do we charge an extra premium. We highly recommend spaying and neutering your pets.


 Pre-existing conditions are any illnesses or injuries that the pet showed symptoms of prior to joining us, they can also be pets that show symptoms during the first month of the policy waiting period. Some pre-existing conditions may be subject to specific waiting periods or be excluded from cover. When signing up, you will see that the application form has 12 questions regarding your pets’ medical history. It is always best to answer the questions as accurately as possible. Should the questions not be answered accurately and honestly, this will be deemed misleading to the insurance company and considered fraud. The result of this will be that your policy will be cancelled, and claims will not be paid. After receiving your application, PawPaw Pet Health Insurance will inform you of any exclusion your pet may have in writing, allowing you to make an informed decision regarding your pets’ insurance.


Paw Paw Pet Insurance is a compassionate and trustworthy ally for pet owners, providing extensive coverage for any acute illnesses or injuries that our cherished furry pets may experience. 

Pet owners may rest easy knowing that their pets’ medical needs are being met quickly and effectively thanks to an emphasis on timely and efficient claims processing.

Paw Paw’s coverage provides a comforting safety net to protect our beloved pets’ health and wellbeing, covering everything from consultations and prescriptions to operations and diagnostic tests. Additionally, Paw Paw’s dedication to satisfying the many needs of pet owners and their animals is demonstrated by the choice for chronic cover, coverage for hereditary disorders, and supported rehabilitation post-surgery.