First For Women Pet Insurance Review 2023

First for Women

First For Women Pet Insurance offers pet insurance specifically designed for women, with monthly premiums starting at R100.00. The highest annual maximum cover amount from First for Women is R65,000.00, which can be used to cover surgical, medical, and non-medical expenses.

First for Women Pet Insurance offers three plans to choose from, which are discussed below:

First For Women Pet Insurance Plans

There are three plans to choose from, including the Fur Baby Basic, Top to Tail Classic, and Premium Paws plans. These plans are discussed as follows:

Fur Baby Basic Plan

The Fur Baby Basic Plan is a pet insurance plan designed for people who only want accidental coverage for their pet(s). Accident coverage is available for both dogs and cats for a monthly premium starting at R100.00.

Multiple cats and dogs can be added to the plan, but an additional premium will be required. There are no premium discounts when adding multiple pets to the plan. Instead, the full premium is charged.

The plan, as an accident-only policy, covers surgery and hospitalization for a pet injured in an accident. The plan covers a wide range of accidents, including electrocution, car accidents, and others.

Surgery and hospitalization are covered for a cost of R10,000.00 per year. There is no waiting period for surgery and hospitalization claims, and the coverage begins immediately after the plan is purchased. However, any unused yearly benefit amount cannot be carried forward to the following year.

Top to Tail Classic Plan

The Top to Tail Classic plan is a mid-tier pet insurance plan that offers coverage for pets for a monthly premium of R265.00 for dogs and R250.00 for cats. The plan provides more comprehensive coverage than the Fur Baby Basic plan.

Surgical and hospitalization claims are limited to a yearly maximum spend of R30,000.00. Routine care is also available with an annual budget of R500.00. Routine care includes grooming, vaccinations, and other day-to-day expenses.

The Top to Tail Classic cover also includes veterinary visits, with a maximum cover amount of R1,500.00 per visit. A total of R3,000.00 can be spent on minor care per year. The plan does not cover diagnostics or scans.

The plan covers cremation costs up to R1,500.00, which is paid for the cost of cremation. Third-party liability is also covered up to R50,000.00. In addition, the plan provides a 10% discount on online pet store access.

First for Women offers discounts when insuring multiple pets with the Top to Tail Classic plan. The plan provides a 10% discount for two insured pets and a 15% discount for three or more insured pets.

Premium Paws Plan

The Premium Paws plan is the most comprehensive pet insurance plan offered by First for Women. The plan covers dogs for a monthly premium of R390.00 and cats for a monthly premium of R370.00.

When compared to other offers on the table, surgery and hospitalization have the highest cover amount of R50,000.00. Routine care is covered for R750.00 per year.

The plan also covers minor care, with a maximum spending limit of R1,800.00 per veterinary visit. The Premium Paws plan provides a yearly budget of R3,600.00 for minor care.

The plan covers the cost of cremation up to a maximum of R2,500.00. With a cover amount of R150,000.00, third-party liability has the highest cover amount on the Premium Paws plan.

Discounts on premiums are available to policyholders who have more than one pet on the plan. The plan offers a 10% discount for pets, and a 15% discount on premiums for three or more pets insured under the plan.

Waiting periods apply to all plans, and excess fees apply to certain transactions when filing a claim. The excess and waiting periods of the plan are discussed further below.

First for Women Pet Insurance Waiting periods and excess payments

Certain procedures and incidents are exempt from the excess payment, such as wellness, third-party liability, and dignified fur well. However, minor care and diagnostic claims are subject to a 10% excess.

In addition, there is an excess payment on surgery and hospitalization for the first 6 months of coverage. The excess amount payable is 25% of the claim, with a minimum excess fee of R500.00.

Accidents are covered immediately and come with no waiting periods. In contrast, there is a 30-day waiting period for illness, wellness, minor care, diagnostics, and third-party liabilities. There is a 12-month waiting period for congenital or hereditary conditions. Natural causes of death have a 6-month waiting period after subscribing to the coverage.

Advantages of First for Women Pet Insurance

  • Individuals can choose from different plans with premiums starting from R100.00 per month.
  • The excess amount of 10% on minor care and diagnostic claims is low.
  • Additionally, wellness and third-party liability claims don’t have any excess fee.
  • The overall annual limit on each of the plans is reasonable, considering the monthly premiums payable.
  • The insurance comes with a taxi benefit to transport a pet in times of emergency.
  • All plans cover surgery and hospitalization of insured pets, regardless of age.
  • The Top to Tail and Premium plans come with discounts when insuring more than one pet.

Disadvantages of First for Women Pet Insurance

  • The plans come with a waiting period for claims on a number of covered occurrences, and pre-existing conditions are not covered under the plan.


First for Women Pet Insurance offers pet insurance designed specifically for women, with varying plans providing benefits at reasonable premiums. However, policyholders should be aware that pet insurance has limitations and waiting periods.

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