Coverage & Plans
Tailored Protection for Your Pets, Peace of Mind for You
At PawSafi, we understand that your cat or dog is more than just a pet—they’re family. That’s why we offer two simple, flexible insurance plans designed specifically for pet owners in Kenya. Whether you want basic accident cover or complete protection, we’ve got you covered.
Accident vs Comprehensive
Choose The Cover That Fits Your Pet (and your budget)
Every pet (and owner) is different. Accident Cover delivers affordable peace of mind for those rare, one-off incidents. Comprehensive Cover is broader, like human medical insurance for pets, covering accidents and illnesses, and it includes Wellness for approved preventive care.
Essential Protection for Life’s Unexpected Moments
Accident Only Cover
Accidents happen — whether it’s a fall, a swallowed object, a snake bite, or accidental poisoning. PawSafi’s Accident Only Cover provides focused protection against sudden, unexpected injuries.
This cover includes treatment for:
Fractures, wounds, and dislocations
Burns and electrocution
Gastric torsion
Animal attacks
Foreign body removal
Traumatic ligament injuries
Emergency surgery
Diagnostic tests
Hospitalisation
Prescription medication
With annual benefit limits of KES 75,000 or 100,000, this option is ideal for pet owners seeking affordable, accident-focused protection.
✔ No waiting period for accidental injuries
✔ No excess payable
✔ Direct payment to approved partner clinics
✔ 5% multi-pet discount available
Accident Only Cover provides confidence that if the unexpected happens, you won’t have to make decisions based purely on cost.
Flexible Monthly Protection for Your Pet
Comprehensive Cover
Unexpected vet bills can place real financial strain on pet owners. PawSafi’s Comprehensive Cover allows you to spread the cost of protection with affordable monthly premiums — while still giving your pet access to high-quality veterinary care when it matters most.
Our comprehensive plans cover:
Accidental injuries
Illnesses (after the 30-day waiting period)
Diagnostics (X-rays, lab tests, scans)
Minor and major surgeries
Hospitalisation
Prescription medication
Annual vaccinations (within sub-limits)
Emergency boarding (where applicable)
Farewell care benefit
With annual limits of KES 100,000, 150,000, or 200,000, you can choose the level of protection that best suits your pet’s needs and your budget.
Pets are eligible from 8 weeks to 8 years, and there is no excess payable on claims.
✨ Prefer to spread payments monthly? These plans give you that flexibility while keeping your pet protected year-round.
Save More When You Pay Annually
Comprehensive Cover
If you prefer to pay once and enjoy uninterrupted cover for the full year, our annual payment option offers added value — with a built-in discount applied when premiums are paid in advance.
By choosing annual payment, you:
Benefit from a premium discount
Avoid monthly payment tracking
Lock in your coverage for the full policy year
Reset your annual benefit limit at renewal
Your selected annual limit — KES 100,000, 150,000, or 200,000 — represents the maximum amount payable per policy year. Once renewed, the full benefit limit resets, giving your pet fresh cover for the year ahead.
💡 For households with multiple pets, remember that a 5% multi-pet discount applies to each additional pet added to the policy.
Comprehensive Cover includes both accident and illness treatment (subject to policy terms), giving you broader peace of mind throughout the year.
Use the scenarios below to see how each plan responds.
Costs shown are Kenya-based illustrative ranges; your selected annual limits and sub-limits apply.
Scenario 1:
Road traffic accident.
This is the kind of shock moment Accident Cover is designed for—sudden injuries that need emergency care, diagnostics and surgery. Both Accident and Comprehensive pay for eligible accidental injuries up to your plan limits. If you want strong protection for the unexpected at a lower monthly premium, Accident Cover is a smart, budget-friendly choice.
A 2-year-old dog is struck by a motorbike and needs emergency care, diagnostics, surgery, and short hospitalisation.
Scenario 2:
Renal illness (cat with kidney disease)
Illnesses aren’t covered by Accident-only. Comprehensive pays for diagnostics, treatment and follow-ups for covered illnesses—as well as accidents—so you’re protected when health issues develop over time. Wellness (included within Comprehensive) may cover approved screening tests at routine check-ups (early detection), while treatment costs are paid from the medical limit.
A 7-year-old cat presents lethargic and inappetent; admitted for diagnostics and stabilisation. Diagnosis: kidney disease (illness).
Protect Your Pet with the Right Plan
What is the difference between Accident and Comprehensive pet insurance?
Accident Policy covers unexpected injuries—like road traffic accidents, bites, or broken bones.
Comprehensive Policy includes everything in the Accident policy, plus cover for illnesses, diagnostics and ongoing treatments.
What types of pets can be insured?
We currently cover dogs and cats that are at least 8 weeks old and no older than 8 years at the time of sign-up.
Can I visit any vet?
You can visit any of our PawSafi Partner Clinics in Kenya. We are adding to our network regularly and you can also speak to your vet about us if they are not already enrolled.
Is there an excess or co-payment?
No. PawSafi policies have zero excess—we cover 100% of the vet bill (up to your annual benefit limit), making it easier on your wallet when your pet needs care.
How are claims paid?
We Pay the Vet directly.
What’s covered under the Accident Policy?
The Accident Policy covers:
Vet treatment for injuries caused by accidents
Emergency care and surgery
Medication and diagnostic tests related to the accident
Follow-up care for covered accidents
What’s covered under the Comprehensive Policy?
The Comprehensive Policy covers everything in the Accident Policy, plus:
Vet treatment for illnesses and chronic conditions
Diagnostic testing (e.g., bloodwork, X-rays)
Wellness care (e.g., health check-ups and screenings)
Prescription medication
Hospitalisation
(Subject to your plan’s annual benefit limit and sub-limits.)
What is not covered?
Some common exclusions include:
Pre-existing conditions
Elective procedures (e.g., ear cropping)
Breeding or pregnancy-related care
Routine deworming and flea/tick treatment
Cosmetic surgeries
Please refer to the policy documents for a full list of exclusions.
Can I switch between Accident and Comprehensive plans later?
Yes, you can upgrade to a Comprehensive plan at any renewal period. However, any conditions diagnosed before switching may be considered pre-existing and excluded from new cover.
Is there a waiting period?
Yes.
Accident Policy: 48-hour waiting period from the start date.
Comprehensive Policy: 14-day waiting period for illness-related claims.
There is no waiting period for switching plans within the same policy type at renewal.
Are there sub-limits or caps?
Yes. While we pay 100% of the claim up to the annual benefit limit, certain treatment categories (like diagnostics or medication) may have sub-limits. These vary by plan type and tier.
How do I sign up?
You can get a quote and sign up directly on our website. You’ll need your pet’s basic details and your preferred vet clinic. Once approved, coverage starts immediately after the waiting period.
Vet-Approved Protection
At PawSafi, we know that your pet is part of your family. That’s why we’ve designed simple and flexible insurance plans to keep them protected and give you peace of mind. Whether you want essential coverage for unexpected accidents or comprehensive protection for every stage of your pet’s life, PawSafi has a plan to suit your needs.
