I have nothing but love for Naked and its people. I've been with them for over two years now, and during that period, I was in an accident. Naked paid for the repairs on my car and kept me in the loop during the whole process. This year, I added my puppy onto his own pet insurance with Naked. Monday night, we had to rush him to the vet. I was freaking out over payments and if my boy was gonna make it. Fortunately, Naked covered the majority of his vet bill with a minimal co-pay from my side. What I love most about Naked is not the fact that they pay for your legit claims, that's a bonus, but the quick response time to emergencies and especially the fact that they will legit call or message you to hear how you're doing after such a crisis, as was the case on Monday night. I love my Naked people; they are absolute angels, and one of the best insurers out there. Lots of love, Henlu.
A new breed of pet insurance
in South Africa
Comprehensive dog and cat insurance with no sub-limits and lightning-quick payouts.
We'll get the vet bills.
You give the belly rubs.
When your pet needs the vet, you shouldn't be worrying about admin.
Get pet insurance that lets you focus on what really matters: getting your fur-kid well again.
No sub-limits
No treatment-specific caps hiding in the small print.
Visit any vet
We cover visits to all registered vets across South Africa.
Quick claims
Claims paid in record time, sometimes even instantly.
Highly rated insurance by
South African pet parents
Pet insurance you can rely on, built by one of South Africa’s leading insurance platforms.
Simple, flexible
pet insurance plans
Basic from
R55pm
Affordable accident-only dog cover.
Illnesses
Nice from
R175pm
Complete accident & illness cover for dogs.
Plus from
R320pm
Our most complete dog insurance plan.
Routine care& Physio
Choose an annual limit between R15,000 and R120,000. You can also adjust your excess to lower your monthly premium.
Whatever treatment your pet needs to get back on their paws.
Think blood tests, scans, surgery, hospital stays, and prescribed meds.
Unlike traditional pet medical aid, we don’t use “sub-limits”. If a treatment is covered, you can claim for it from your one overall annual limit. This makes us one of the most affordable pet medical insurance options for high-cost procedures.
Insure your dog or cat in seconds. Literally.
Tell us about your furry friend, pick your plan, and get your pet insurance quote on the spot.
Zoomie-fast claims.
Instant payouts.
Claim in seconds. Snap a photo of the invoice in the app, answer a few quick questions, and hit send.
Get paid instantly. We settle many pet health insurance claims on the spot. If things are a bit more complex, our team of vets and experts are on standby to wrap it up fast.
Questions about Pet insurance?
A few important things to know about your pet insurance.
What is pet insurance?
Pet insurance covers the cost of unexpected vet bills when your dog or cat has an accident or gets sick. You pay your monthly premium, we help cover the big stuff when it happens. Think of it as a safety net for your pet's health and your bank account.
What does pet insurance cover?
It depends on the plan you choose. Basic covers accidents. Nice adds illness cover. Plus goes further with routine care and physio. All plans let you choose your own annual limit and excess, so you're not locked into a one-size-fits-all policy.
How much does pet insurance cost?
It varies. Your premium depends on things like your pet's breed, age, the plan you choose, and the limits you set. The quickest way to find out is to get a quote. It takes a few minutes, and Rose will walk you through it.
How do pet insurance claims work?
You pay the vet first, then upload your invoice in the app. Once approved, we reimburse you within your limits and minus your excess. In many cases we can turn claims around quickly, sometimes before you've even left the vet.
Can I go to any vet?
Yes. Any registered vet in South Africa. No networks, no approved lists.
How do waiting periods work?
Waiting periods are the gap between when your policy starts and when certain conditions can be claimed for. At Naked, accidents have no waiting period. Illnesses and routine care have a 30-day wait, and breed or genetic conditions have a one-year wait.
What are pre-existing conditions?
Anything your pet showed signs of before your policy started, or during a waiting period. We don't cover those, which is why getting cover while your pet is still healthy makes sense.
How does excess work?
Your excess is the portion of a claim you cover yourself. It's a percentage with a minimum amount, and you pay whichever is higher. You set it when you get a quote, so you're in control of the trade-off between monthly premium and out-of-pocket costs at claim time.
What does "no sub-limits" mean?
Most pet insurers cap individual treatments separately. Naked doesn't. Your cover sits under one annual limit, with no separate caps on things like surgery, scans, or medication. The only limits are the per-claim and annual limits you choose.
Does Naked cover chronic conditions?
We cover new conditions for short-term support. If a condition lasts longer than 90 days, or comes back more than three times in a year, it's treated as chronic and ongoing treatment won't be covered after that.
Is pet insurance worth it?
Vet bills can run into the tens of thousands, and they rarely come with a warning. If an unexpected diagnosis would put you in a tough spot, pet insurance is probably worth considering. The best time to get it is while your pet is still healthy.
Does Naked only cover dogs and cats?
For now, yes. We love guinea pigs and bearded dragons, but right now we only insure dogs and cats.
Blogs for dogs
(and cats)
We love pets fur real
We've been all in on pets from the beginning. Since 2019 Naked has supported charities that re-home dogs. And our experts are all proud pet-parents, too!
Damian heads up Customer Success. Kobe is two years old and all ears. After moving into a ground-floor apartment, he quickly earned the nickname "Houdini". No fence has ever held him, and the neighbours have fully bought into the game. It’s Kobe’s world, and we’re just living in it.
Joe is a software developer. Broskie is a three-year-old pomeranian who can “talk” on command if there’s a treat involved. Lola, who’s two, gets so excited she sometimes pees on herself. Broskie was meant to be a gift for Joe’s sister, but he ended up staying.
Megan leads recruitment. Phoebe is an eight-year-old basset hound with a real talent for selective hearing, unless snacks are involved. One Christmas, she drank a pot of gammon water and lived to tell the tale.
Jemaine looks after the support team in Ops. Copper is a two-year-old beagle who mostly follows his nose. He’s clever, a little cheeky, and knows exactly how to get what he wants. He once staged a couch “emergency” just to get Jemaine home early.
Hannah is the actuarial analyst behind the pet product. Lula is a nine-year-old pavement special who loves long walks, tuna straight from the tin, and chasing reflections. A few days after coming home, she disappeared and was later found asleep in a car seat in the garage, completely settled in.
Emily leads software delivery. Banksy is a two-year-old rescue, a regular in the office, and known for his striking different-coloured eyes. He even made it into the 2026 SPCA calendar. His favourite snack is still whatever you’re having for lunch.