PawSafi Policy Wording
Clear, Transparent Coverage
At PawSafi, we believe in being clear and upfront about what our insurance covers – and what it doesn’t. That’s why we’ve made the full policy wording for each of our plans available for you to read before you buy.
Our Comprehensive and Accident-Only policies have been designed in partnership with veterinary professionals to reflect real-world treatment needs, common claims, and fair limits.
What You’ll Find in the Policy Documents
Each policy wording sets out:
Detailed descriptions of the treatments, conditions, and events we cover.
Exactly how much we’ll pay per claim and per policy year.
Situations that aren’t covered, so there are no surprises.
Step-by-step guidance on how to submit a claim and what documents you’ll need.
How your policy is priced, and what happens at renewal.
Download the Full Policy Wordings
We encourage you to read through the full documents before purchasing your cover:
Important Note
These documents form the legally binding agreement between you and the insurer once you purchase your policy. Please review them carefully and contact us or if you have any questions about what is covered.
Comprehensive & Accident-Only — What’s Covered at a Glance
Below is a quick, factual summary taken from our official policy wordings. For all terms, conditions, sub-limits and exclusions, download and read the full documents.
Accident-Only
- Accidental injuries only (e.g., traffic accidents, burns/electrocution, falls, poisoning, bites, fractures, GDV, foreign bodies).
- Consultations, hospitalisation, diagnostics, anaesthesia & surgery are covered within the annual limit.
- No waiting period for accidents. Excess: Nil. Multi-pet discount: 5%.
Comprehensive
- Accidents and illnesses (30-day waiting period for illnesses; no wait for accidents).
- Per-item sub-limits for consults, hospitalisation, diagnostics, surgeries, meds, implants, vaccinations, emergency boarding, and farewell care.
- Excess: Nil. Multi-pet discount: 5%.
| Benefit Category | Accident-Only | Comprehensive |
|---|---|---|
| Annual Benefit Limit | Choose KES 75,000 or 100,000 | Choose KES 100,000 / 150,000 / 200,000 |
| Covered Events | Accidental injuries only no illness cover |
Accidents & illnesses illness 30-day wait |
| Consultations & Vet Visits | Covered within annual limit | Up to KES 3,000 / 4,000 / 5,000 per visit (max 3 visits/yr) |
| Hospitalisation | Covered within annual limit | Up to KES 2,000 / 3,500 / 5,000 per night (max 5 nights/yr) |
| Minor Surgery | Covered within annual limit | Annual limit KES 7,500 / 12,500 / 15,000 |
| Major Surgery | Covered within annual limit | Annual limit KES 20,000 / 30,000 / 40,000 |
| Anaesthesia | Covered within annual limit | Per procedure (max 3/yr): KES 1,000 diagnostics / 3,000 minor / 6,000 major |
| Diagnostics | Covered within annual limit | Annual limit KES 8,000 / 15,000 / 20,000 |
| Prescription Medicines | Covered per consultation | Per visit: KES 3,000 / 5,000 / 8,000 |
| Orthopaedic Implants | Covered where essential for healing | Annual limit KES 10,000 / 15,000 / 20,000 (prior consent required) |
| Vaccinations | — | Annual limit KES 2,000 / 3,000 / 4,000 |
| Emergency Boarding | — | Max 5 nights/yr: KES 2,000 / 3,500 / 5,000 per night |
| Farewell Care Benefit | KES 6,000 | KES 4,000 / 6,000 / 8,000 |
| Excess | Nil | Nil |
| Waiting Periods | No waiting period for accidents | No waiting period for accidents; 30 days for illnesses |
| Multi-Pet Discount | 5% per additional pet | 5% per additional pet |
Important: All pets must be microchipped (ISO 11784/11785). Vaccination records are required before cover starts. Pre-authorisation is required for treatments above KES 10,000 (emergencies reviewed case-by-case). See exclusions and definitions in the full wording.
Your PawSafi Policy Questions, Answered
Quick, clear FAQs based on our official policy wordings for Accident-Only and Comprehensive cover.
Which pets are eligible for cover?
Cats and dogs aged 8 weeks to 8 years that are microchipped with an ISO-compliant chip (ISO 11784/11785) and listed on your Certificate of Insurance.
Do I need vaccination records to start cover?
Yes. Valid proof of up-to-date vaccinations is required before activation.
Is there a waiting period?
No waiting period for accidental injuries on either plan. Comprehensive includes a 30-day waiting period for illnesses.
What’s the difference between Accident-Only and Comprehensive?
Accident-Only covers accidental injuries (e.g., traffic accidents, burns/electrocution, falls, bites, poisoning, fractures, GDV, foreign bodies) within the annual limit.
Comprehensive covers accidents and illnesses with defined sub-limits for consultations, hospitalisation, diagnostics, surgeries, medicines, implants, vaccinations, emergency boarding, and farewell care.
How do I make a claim, and how long do I have?
Your vet completes the official claim form and attaches supporting documents (invoices, medical records/diagnostics). Submit within 30 days of treatment.
When is pre-authorisation required?
For any treatment exceeding KES 10,000. Emergency cases are reviewed case-by-case, and must be reported within 24 hours.
Are pre-existing conditions covered?
No. Conditions with signs, symptoms, diagnosis, or treatment that occurred before your policy start (or reinstatement) are excluded.
Do you cover elective or cosmetic procedures?
No. Elective, cosmetic, and preventive procedures (e.g., tail docking, ear cropping, routine dental, spay/neuter) are excluded unless specifically required due to an insured event involving reproductive organs.
Can I pay monthly, and will my premium change at renewal?
Yes—pay monthly by direct debit or annually (annual payments receive a discount). Premiums and terms may be adjusted at renewal based on risk and claims experience.
Is there a discount for multiple pets?
Yes. You’ll receive a 5% multi-pet discount for each additional pet added to your policy.
Can I cancel if I change my mind?
Yes—a 21-day cooling-off period applies. If you cancel within this period and haven’t made a claim, we’ll refund premiums (less applicable taxes/fees). You can cancel anytime thereafter per the policy terms.