Frequently Asked Questions

What is pet insurance?

Pet insurance is a type of health insurance that helps cover the cost of veterinary care for your pets. It works similarly to human health insurance, where you pay a monthly premium and the insurance company helps cover eligible medical expenses.

Why do I need pet insurance?

Pet insurance provides financial protection against unexpected veterinary costs. It ensures you can provide the best medical care for your pet without worrying about the financial burden. Veterinary care can be expensive, and insurance helps you make decisions based on your pet's health needs rather than cost.

What pets can be insured?

PawsCare currently offers insurance for dogs and cats of all breeds and ages. We're working on expanding coverage to other pets in the future.

What does pet insurance cover?

Our pet insurance covers:

• • Accidents and injuries
• • Illnesses and diseases
• • Diagnostic tests and procedures
• • Prescription medications
• • Emergency care and hospitalization
• • Surgery and treatments

What's not covered by pet insurance?

Pet insurance typically doesn't cover:

• • Pre-existing conditions
• • Routine wellness care (unless included in your plan)
• • Cosmetic procedures
• • Breeding-related expenses
• • Expenses incurred before policy start date

What are the different coverage plans?

We offer multiple coverage plans ranging from basic accident coverage to comprehensive plans that include wellness care. Each plan has different coverage limits, deductibles, and premiums. You can choose the plan that best fits your budget and your pet's needs.

Can I choose any veterinarian?

Yes! With PawsCare, you have the freedom to choose any licensed veterinarian. We don't restrict you to a network of providers, so you can continue seeing your trusted vet or choose any vet you prefer.

How do I file a claim?

Filing a claim is easy:

1. 1. Take your pet to any licensed veterinarian
2. 2. Pay for the treatment and get all receipts and medical records
3. 3. Submit your claim through our online portal or email
4. 4. We'll process your claim and reimburse you for covered expenses

How long does it take to process a claim?

Most claims are processed within 5-7 business days. You'll receive a confirmation email within 24 hours of submitting your claim, and we'll notify you once the claim is processed.

How do I get reimbursed?

Once your claim is approved, we'll reimburse you through bank transfer or check, depending on your preference. The reimbursement amount will be based on your coverage plan, deductible, and the eligible expenses.

What documents do I need to submit with my claim?

You'll need to submit:

• • Complete veterinary invoice with itemized charges
• • Medical records and treatment notes
• • Diagnostic test results (if applicable)
• • Prescription receipts (if applicable)

How much does pet insurance cost?

The cost of pet insurance varies based on several factors including your pet's age, breed, location, and the coverage plan you choose. Premiums typically range from K50 to K300 per month. You can get a personalized quote by contacting us or visiting our coverage plans page.

What factors affect my premium?

Several factors influence your premium:

• • Pet's age and breed
• • Coverage plan selected
• • Deductible amount
• • Coverage limits
• • Your location

Can I change my coverage plan?

Yes, you can change your coverage plan at any time. However, changes may affect your premium and coverage. Contact our customer service team to discuss your options and make any necessary changes.

Do premiums increase as my pet gets older?

Premiums may increase as your pet ages, as older pets typically require more veterinary care. However, we strive to keep premium increases reasonable and transparent. We'll notify you in advance of any premium changes.

When can I enroll my pet?

You can enroll your pet at any age, but we recommend enrolling them when they're young and healthy. This helps ensure they don't have pre-existing conditions that might not be covered.

Is there a waiting period?

Yes, there is typically a waiting period before coverage begins. This varies by plan but is usually 14 days for illnesses and 48 hours for accidents. The waiting period helps prevent fraud and ensures the policy is active before claims are filed.

Can I cancel my policy?

Yes, you can cancel your policy at any time. There are no cancellation fees, and you'll receive a prorated refund for any unused premium. Contact our customer service team to process your cancellation.

What happens if I miss a premium payment?

If you miss a premium payment, we'll contact you to resolve the issue. Your policy may be suspended until payment is received. We work with customers to find payment solutions and avoid policy cancellation.