OUTsurance Pet Insurance Review
Rating: 3.5/5 · Starting price: R120/month · Claim turnaround: 1–3 days · Annual limit: R60k
Overview
OUTsurance is one of SA's largest insurance brands. Pet insurance sits alongside their car/home offerings. Most popular with existing OUTsurance customers who bundle. Advertises 1–3 day claim payouts and a unique cash-out bonus — a percentage of premiums back if you don't claim.
Pros & Cons
Pros
- 1–3 day claim turnaround — one of the fastest advertised
- Cash-out bonus — get a percentage back if you don't claim
- Covers exotic pets
- Up to 12 yrs entry age
- Trusted brand with established claims infrastructure
- Can bundle with existing OUTsurance policies
Cons
- Only R60k annual limit — low for high-cost breeds or serious illness
- No direct-to-vet payment — you pay first, claim later
- Premiums creep up — Reddit users report R500+ per dog
- Pre-existing conditions excluded
- No unlimited plans
- Less flexible plan options than Dotsure
Premium Creep: Real Owner Reports
On Reddit's r/askSouthAfrica, an OUTsurance pet insurance customer reported paying R510 and R506 for two dogs, noting premiums had been creeping up with no significant change in cover. This pattern is not unique to OUTsurance — Dotsure (47% increase on Hellopeter) and other SA insurers show similar trends.
Key takeaway: The R120/mo starting price is for a young, healthy pet on basic cover. Actual premium will likely be higher and will increase over time.
Verdict
OUTsurance is a solid, no-frills option — best suited for existing OUTsurance customers who want bundling convenience, or owners who value the cash-out bonus. The R60k annual limit is low compared to Dotsure (R130k) or Oneplan (unlimited). If you own a breed prone to expensive conditions, you may find that limit insufficient.
FAQ
Does OUTsurance cover pre-existing conditions? No. Like most SA pet insurers, OUTsurance excludes pre-existing conditions. Only MediPet LitePlus offers any pre-existing cover.
How does the cash-out bonus work? If you don't claim in a given period, OUTsurance pays back a percentage of your premiums. Exact percentage depends on policy terms.
Can I use any vet? Yes — all registered SA vets accepted.
Is OUTsurance the cheapest? No. Oneplan (from R80/mo) and Checkers Pet (R69/mo) are cheaper. OUTsurance's R120/mo is mid-range.