• 0861 838 776
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Nobody expects to make mistakes, but VetProtect cover is on hand to safeguard you and your business if a client alleges there are faults in your work.

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INSURANCEINFORMATION

VetProtect is a comprehensive liability offering that provides insurance to vets against claims of veterinary malpractice, professional indemnity, public liability, employment practice liability and commercial crime.

There are four categories of vets we provide cover for. They are rated according to their animal focus:

Professional individual

Single-person practice. Domestic and exotics, small animals, including pedigree animals but excluding animals used for professional breeding

Domestic general practice

Multi-person practice. Domestic and exotics, small animals, including pedigree animals but excluding animals used for professional breeding

Commercial general practice

Commercial livestock, agriculture including extensive farming focused on livestock, equine (recreational) but excluding stud farming, professional or horse racing practices. (Animals in category A and B are also included)

Commercial specialised practice

Wildlife, zoological, aquaculture and aquariums, professional (competition) and/or racehorse and stud farming, commercial dog breeding, intensive farming, dairies larger than 30 head of cattle being milked, and professional breeders

  • The product is endorsed by the South African Veterinary Association (SAVA). Discounts of up to 7,5% are offered if 75% of the vets in the practice are SAVA members.
  • The VetProtect offering also covers all costs associated with legal representation at any counsel complaints.
  • We are able to offer limits up to R10 million.
  • VetProtect is run through an exclusive agreement with a sole broker, Leonie Delgado Platinum Portfolios CC.

Cover up to R10 million

Limit of Indemnity for Medical Malpractice and Professional Indemnity

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THEUNDERWRITER

iTOO is going the extra protective mile for vets

Insurance is not just about taking out the right cover for the unforeseen events. At iTOO, we believe that through Risk Management, we can help mitigate risk. With this in mind we have developed, in conjunction with our partners, for our Veterinarian clients, at no additional charge, two exclusive value add benefits to your policies, which should further provide you with peace of mind that we take your well being seriously.

iTOO Legal Assist

iTOO Legal Assist offers policyholders legal services relating to the policyholder’s business activities only, these may range from contract reviews, indemnity documentation, shareholder contracts or even employment-related issues.

Each policyholder has access to the following as per policy period:

  • An unlimited 24/7 facility for telephonic advice and assistance.

 

The following will also be made available if deemed necessary:

  • A face to face consultation with a qualified attorney;
  • Up to three letters, matter and complexity dependent; and
  • A follow-up consultation.

 

Exclusions / What is not provided in terms of this service:

  • Any claim, circumstance or notification related matter/s that may or may not be covered under the policy;
  • Any advice on how to bring a claim under the this policy;
  • Any matters pertaining to any claims repudiated by the Itoo
  • Matters where the policyholder’s business does not have an economical or legitimate interest;
  • Any matters related to Family Law;
  • Any criminal matters;
  • Credit control or debt collection;
  • Issuing and service of a summons and/or response; and
  • Any disputes between the policyholder and Itoo; and
  • Any matter in which Itoo believes the policyholder has been dishonest or unethical.

 

All you have to do is call 0861 102 033.

Business Identity Theft

Identity Theft is one of the biggest fraud issues facing the world today. Identity thieves unlawfully use the names, logos and banking information of legitimate businesses fraudulently so as to create fictitious accounts and identities with no intention of paying. These actions can cause extensive damage very quickly and cause severe damage to the company’s finances as well as their hard-earned goodwill and reputation.

You may well ask, how do ID thieves work, herewith a couple of examples: 

  • They use pick-up and delivery timetables to intercept goods.
  • Discarded letterheads to obtain logos and correct typeface for business name.
  • Bank records to establish authenticity
  • Establish a temporary surgery/office space in your name.
  • Open fake accounts in their name.
  • Manipulate business or credit records.
  • Order merchandise or services with stolen credit card information or bogus account details.
  • Launch scams and phishing attacks to your customer base to get confidential information.
  • There is also the no-tech approach involving rummaging through trash for revealing and discarded documents and files, expired passports, ID cards or driver’s licences of company officials and directors.

If your business becomes a victim of identity theft, we are able to assist you in remedying the situation quickly and efficiently.

What do we cover?

  • Via our investigators and service providers, we will work with yourself to clear your tarnished name and ensure your credit records are put back into the position they were prior to the ID Theft.

Exclusions / What is not provided in terms of this service:

  • We do not cover the consequences of the ID theft i.e. any debts of the likes.

VetProtect assisted me in obtaining Medical Malpractice cover for me to start consulting and complete the next level of my cognitive rehabilitation therapy. VetProtect has therefore played an integral part in my rehabilitation process to progress with cognitive rehabilitation therapy and therefore become an independent veterinary surgeon again.

Dr. Casper V van Heerden

BSc (UP); BVSc (UP)

THEBROKER

Leonie Delgado from Leonie Delgado Platinum Portfolios CC (an Authorised Financial Service Provider no. 32621) will be looking after your insurance needs as a broker for the VetProtect product.

Leonie Delgado Platinum Portfolios is a short-term insurance brokerage specialising in Liability Insurance such as Medical Malpractice, Professional Indemnity, and Public Liability. Leonie will personally do a risk analysis of your Liability needs to ensure that you enjoy the essential cover.

Contact Person: Leonie Delgado
Phone: 0861 VETPRO (838 776)
Email: VetProtect@myownbroker.co.za

HAPPYCLIENTS

Insurance made easy

At VetProtect, we are commited to provide top-notch services to our customers.

Get your free quote

REQUEST AQUOTE

For more information with no obligation, you can contact Leonie Delgado, the dedicated vetPROTECT broker, on 0861 838 776 (VETPRO) and get a competitive quote today. Alternatively, download a proposal form to obtain a quotation or complete the form below and we will get back to you. Remember! SAVA members can get up to a 7.5% discount on premiums.


Download proposal form

Privacy Policy

Introduction

VetProtect (‘We’, ‘us’ and ‘our’) care about the privacy, security and online safety of our customers’ (‘you’ and ‘your’) personal information. We take our responsibility to protect your personal information very seriously. This Privacy Policy explains how we collect, use, share and protect your personal information, as required by the Protection of Personal Information Act (POPIA). Using our services and any disagreements about your privacy are subject to this notice.

As our business grows and changes, we may need to update this Privacy Policy to reflect those changes. If changes affect you personally, we will try and contact you directly because it is important to us that you understand at all times how your personal information is used. Please make sure that we always have your latest contact details.

1. The meaning of processing your personal information

To help you understand this Privacy Policy, we include the explanations of the terms ‘personal information’ and ‘process’ as used in POPIA:

  1. Personal Information and Special Personal Information is any information relating to an identifiable living or juristic person. Some examples are: race, gender, marital status, nationality, age, physical or mental health, disability, language, education, identity number, telephone number, email, postal or street address, biometric information and financial, criminal or employment history.
  2. Process means any operation or activity, whether automated or not, concerning personal information, including: collection, receipt, recording, organisation, collation, storage, updating or modifying, retrieval, alteration, consultation, use, dissemination by means of transmission, distribution or making available in any other form, merging, linking, as well as blocking, degradation, erasure or destruction of information. “Processing” will have a similar meaning.

2. Why we process your personal information

We have to process some of your personal information in order to provide you with our products and services, and also as required by insurance, tax and other legislation. For example: When you buy one of our services or products, we collect your name, contact information and payment information to complete the transaction. Your personal information is also gathered through our website and other channels we use to distribute, communicate and deliver our services. We use your personal information in order to do the following:

  1. identify you
  2. process your requests or instructions
  3. manage your policy
  4. follow the laws of South Africa
  5. detect and prevent fraud
  6. offer other products and services to you.

Due to the nature of our business, we sometimes use other parties like our service providers and administrators who in turn process your personal information.

3. When we share your personal information

In order to provide our products and services to you, we may share your personal information with other insurers, industry bodies, credit agencies and our service providers.

These are some examples of when we will share your personal information:

  1. When required by any regulatory authority, such as The Financial Sector Conduct Authority (FSCA).
  2. When required by legislation or any legal process.
  3. To protect and defend our rights and property, including our intellectual property.
  4. When you have given us direct permission to do so.

We will never sell your personal information or share it with other parties for their own marketing use, unless you have given us direct permission.

4. Some information is automatically collected

When you use any of our digital channels like websites and apps, we receive and store information generated by your activities (usage data gathered by cookies) and other information that is automatically collected from your browser or mobile device. Most of this data is generally not personally identifiable. However, some of this data, either alone or when linked with other information, may allow your identity to be discovered. We treat this combined data as personal information and we protect it accordingly.

  1. Cookies are small text files that are created when you view a website. They gather usage data which includes information about the sites you visited, the number of times you visit, the date, time and length of your visit, which products or services you viewed and which areas of the site you visited. We may assign you one or more unique identifiers to help keep track of your future visits.
  2. Other information automatically collected may include your IP (Internet protocol) address, browser type and version, preferred language, geographic location, wireless or Bluetooth technology on your device, operating system and computer platform.

5. Information collected through online advertising

We use service providers to help us deliver our banner advertisements and other online communications.

To understand which types of offers, promotions and advertising are most appealing to our customers, these service providers may collect and use some of your personal information. This information is aggregated and cannot be linked to you.

  1. Data aggregation is any process in which information is gathered and expressed in a summary form using specific variables such as age, profession, income and interests.
  2. These service providers show Our ads on sites on the Internet, and they use the information stored in cookies based on your prior visits to Our website. If you don’t want your personal information to be used in this way, you can opt out of the use of cookies, by visiting any of the following sites:
    1. Google at http://www.google.com/policies/privacy/ads/
    2. Network Advertising Initiative at http://www.networkadvertising.org/managing/opt_out.asp

6. How we protect your data

We take every reasonable precaution to protect your personal information (including information about your activities) from theft, unauthorised access and disruption of services. Our security controls are designed to maintain an appropriate level of data confidentiality, integrity, and availability. We regularly test our website, data centres, systems, and other assets for security vulnerabilities.

However, we cannot guarantee the security of any personal information that you willingly disclose online. Please note that we process and collect your personal information when you use our website, contact us electronically or complete a quotation or application form online. When you use any of our online services, you will be given a username and password. Always keep this information safe and never disclose it to anyone.

7 Receiving marketing from us

We like to keep our customers informed of the latest products and services offered by us and our service providers. When you buy a new product or service from us, we will ask you what your marketing preferences are. If you do not want to receive marketing from us, you can change your preference by contacting us on the contact details on your policy document or on the contact details below.

Note that even if you choose not to receive marketing from us, we may still communicate with you regarding things like security updates, product functionality, responses to service requests and for other transactional or administrative purposes.

8. Accessing, changing or removing your personal information

You may ask us to access, change or remove your personal information from our records. If legislation allows, we may charge an administrative fee, but we will always inform you of any cost before performing your request.

9. Final comments

We reserve the right to amend this Privacy Policy from time to time, and you agree that you will review the terms of this Privacy Policy whenever you visit our website for any such amendments.

This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of the Republic of South Africa.

When you do visit our website, and in the process provide us with your personal information, you will be agreeing to the provisions set out above.

You also authorise us to act on the information that you send electronically.

Ensure that you have read and understood the terms and conditions of this Privacy Policy before you provide us with your personal information.

10. Contact us

If you have any questions, or you want to update your personal information or preferences, please contact us on the details below:

Vethouse
47 Gemsbok Ave,
Monument Park,
Pretoria,
0181
South Africa

vetprotect@myownbroker.co.za

Privacy Policy
ABOUT US

VetProtect covers veterinary practices including veterinary professionals as well as lay staff under one single policy. Individual vets can also obtain insurance, should they so wish. Each practice is assessed individually in terms of its risk profile and an insurance quote is then provided based on the profile of the practice. We do not believe in a one size fits all and if your profile entitles you to lower premiums, then you should get that benefit over practices who have a higher risk profile.

ITOO is an authorised Financial Services Provider

iTOO Special Risks (Pty) Ltd (Reg No: 2016/281463/07) is an authorised Financial Services Provider (FSP No. 47230). Underwritten by The Hollard Insurance Company Limited (Reg No. 1952/003004/06), a Licensed Non-Life Insurer and an authorised Financial Services Provider.

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