1st For Women Pet Insurance Review 2026
1st for Women's pet insurance offers five plan tiers, from basic accident cover to comprehensive plans with wellness benefits. Verified against 1st for Women's own site in July 2026.
| Plan | Annual cover limit | Premium (from) |
|---|---|---|
| Fur Baby Basic | R12,000 | R130/month |
| PetCare Essential | R15,000 | — |
| Hospital Plan | R35,000 | — |
| Top to Tail Classic | R45,000 | — |
| Premium Paws | R65,000 | Up to R440/month (cats) or R460/month (dogs) |
Key details
- Waiting periods: no waiting period on accident claims; 30 days for illness, wellness, minor care, diagnostics and third-party claims.
- What's covered: surgery and hospitalisation, routine/wellness care (sterilisation, vaccinations, deworming, tick/flea control), post-surgical care, an end-of-life benefit, and third-party liability (R50,000–R150,000 depending on plan).
- Excess: 25% (minimum R500) on surgery and hospitalisation claims for your first 6 months of cover, dropping to 10% (minimum R500) from month 7. No excess applies to wellness, end-of-life or third-party liability claims.
- Age eligibility: cats and small dogs up to 11 years; medium dogs up to 10; large dogs up to 9.
- Pre-existing conditions are explicitly excluded, along with congenital/hereditary conditions, elective procedures, breeding costs, and behavioural conditions.
How to apply
Get a quote online, or call 0861 33 93 39. Surgery and hospitalisation claims require pre-authorisation.
Is it worth it?
The excess dropping from 25% to 10% after 6 months is a genuinely useful detail to know before you claim early in your policy. Compare it against other South African pet insurers based on your pet's age and the specific cover limits you need — check our guide on pre-existing conditions before switching from an existing policy.
