Oneplan is Insurance made simple. It’s cover for the things you love most - made easy. We offer affordable insurance without compromising on quality. Oneplan To Make Today Better.
Written by the business, not verified by us.
Is Oneplan Insurance legit?
Oneplan Insurance (www.oneplan.co.za) has a 3.9 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 73% rate it 4 stars or higher while 27% give 1 star; The business has replied to 100% of negative reviews; 62 of them were added in the last 12 months. Last updated 2026-08-12.
What reviewers say
AI generated
Reviewers had a great experience with this company. Customers consistently praise the staff for their incredible patience, friendliness, and helpfulness, making daily interactions both pleasant and productive. Consumer service is frequently described as exceptional, with many people deeply appreciating the personalized, understanding, and reassuring approach provided during very stressful moments.
However, some reviewers were not happy with unexpected claim rejections and additional financial charges. Consumers also mentioned ongoing difficulties regarding disputed debit orders and extremely slow communication concerning policy updates, leaving many individuals feeling completely frustrated when attempting to resolve important administrative matters and secure proper customer assistance.
Auto-generated from all reviews of this business. For reference only.
We got pet insurance for our dog Basil last year. This year has been a hard series of medical issues for him. Despite paying over R400 p/m there is always a reason to not accept the claim, and that's resulted in us paying over R40k out of pocket - which getting insurance was meant to prevent. In one incident, our dog accidentally ate glass getting into something he shouldn't have - they wouldn't cover it because it didn't actually hurt him and 'no medical intervention was required', despite him being hospitalised and undergoing treatments to monitor him all night. Amongst other incidents they wouldn't cover. Since we're paying out of pocket for everything anyway, I don't see the value in also paying an additional few hundred a month for nothing. Absolute waste of our money - do yourself a favour and go with Dotsure instead, I wish I had and now Basil is too old to put on another good policy.
Reply from Oneplan Insurance 2026-07-31
Dear Steph,
Thank you for taking the time to share your experience with us.
We understand how emotional and distressing this situation must be, particularly while dealing with concerns regarding a claim and your policy.
We take your concerns seriously and would like the opportunity to investigate the matter thoroughly. Kindly send an email with your policy number and any relevant claim information so that the relevant team can review your case and address your concerns directly.
We appreciate you bringing this to our attention and would welcome the opportunity to assist further and provide clarity on the matter.
Kind regards,
Oneplan.
I’ve had the best experience with one plan. It’s so convenient and the staff are super knowledgeable, helpful and friendly. I’ve never had issues when it comes to claims. They are truly reliable and deliver what they promised!
Reply from Oneplan Insurance 2026-07-03
Hi Reshoketswe,
Thank you for your kind words and for awarding us a 5 star rating. We’re thrilled that your experience with our team was excellent. We look forward to supporting you for many years.
Kind regards,
Oneplan.
Excellent service from her and she took her time, did not rush through the process and made me understand properly before ending the call.
Reply from Oneplan Insurance 2026-06-23
Hi Tamlin,
We’re delighted to receive your 5 star review and grateful for your positive comments about our team. We look forward to keeping you impressed for many years.
Thank you for choosing Oneplan!
Kind regards,
Oneplan.
Was very dissappointed by the way I got treated this morning. I tried to load funds into my card and only then learnt that my card was blocked due to incorrect submission of required invoice. It would have been nice to be called by someone to let me know that there was a problem with my subscription instead of waiting for me to get sick. I was so sick this morning I went to the doctor only to learn that my policy was blocked. That is very unproffessional on your side. The reason I have this subscription is because I do not have ready cash to pay the doctor but just to be told to pay cash and make a claim afterwards because there was a problem with the previous invoice submitted. I dont mind paying but at least someone needs to communicate it to me. I had to self medicate for the day .Can you imagine if this was a case of life and death that because of one incorrect invoice submitted I will not be allowed the service. I am really considering to cancell the policy .I would not advice anybody to take up a policy with you guys. Hiigly dissappointed patient.
Reply from Oneplan Insurance 2026-06-22
Dear Johannes,
We note your concerns and acknowledge the challenges experienced with your claims.
We would like to clarify the claims process as outlined in Section 3 of your policy schedule. The policy specifies that once you have swiped your Oneplan Claims Card (just like you swipe a debit card) at the provider, you can immediately snap and upload your documents e.g. invoice via the App and your event and claim will be finalised. You will be required to pay at the practice and submit a valid invoice to the Oneplan claims department for processing via e-mail on [email protected] or WhatsApp to +27 (0) 83 794 5452.
If the required invoice is not submitted, the claim will remain outstanding and may ultimately be rejected. In such instances, the policy will be restricted from processing any new day-to-day claims until the outstanding matter has been resolved.
To resolve the claim, you may pursue one of the following options: Submit the detailed invoice together with valid proof of payment for review and finalisation of the claim; or pay back the funds utilised from the benefit to recover the outstanding claim balance.
Once either of these requirements has been met and the matter has been resolved, you will again be able to process new day-to-day claims on the policy.
Please note that all claims are assessed in accordance with the applicable terms and conditions, which are communicated in the policy documentation provided at policy inception and throughout the duration of the policy. Oneplan remains committed to the principles of Treating Customers Fairly (TCF) and applies these principles consistently to ensure fair and equitable treatment of all clients.
We trust the above clarifies the matter and look forward to resolving this with you.
Kind regards,
Oneplan.
An agent provided misleading information which was very frustrating because I thought I got the level of cover I need.
Reply from Oneplan Insurance 2026-06-17
Dear Buhlebenkosi,
We acknowledge your concerns and would like an opportunity to address any matters that may have risen and led to your review. May we kindly request that you send an email to [email protected] with your policy details and provide more information on your experience. This will allow us to have a look into the matter and address it efficiently.
We look forward to hearing from you.
Kind regards,
Oneplan.
These people take your money without your consent you are still in the process of deciding on whether they would be the most suitable then they do unauthorized debit orders from your account. Lavern Phillips was assisting me and I have not received any communication in the last 7 days I have requested for a refund on the same day the money was debited from my account I am on the verge of taking legal action I want my money back!!!!!!!!!
Reply from Oneplan Insurance 2026-06-02
Dear Joeney,
Thank you for taking the time to share your feedback with us and for bringing this matter to our attention.
We regret that your experience has been frustrating and did not meet your expectations. However, following a review of the matter, we would like to clarify the following:
Our records confirm that your policy application was successfully completed via our online portal on 18/03/2026. At the time of application, all required information, including your banking details was provided to facilitate the activation of the policy. Since inception, no cancellation request has been received, and therefore, premium collections have been processed in accordance with the agreed policy terms and conditions. Thus no refund is due for the premium collected.
Should you wish to proceed with a cancellation, you may submit your request to [email protected], including your policy number in the subject line. A consultant will then assist you further. Please note that, in line with policy terms and conditions, a 30-day (one full calendar month) notice period applies upon cancellation.
All applicable terms and conditions are communicated to clients at the commencement of the policy and throughout its duration. While we remain committed to assisting where possible, all actions are governed by these terms. Oneplan adheres to Treating Customers Fairly (TCF) principles and remains committed to ensuring consistent and equitable treatment for all clients.
We encourage you to review your policy schedule, which was issued to your registered email address, to familiarise yourself with your selected plan, as well as the applicable benefits, limits, and terms.
We trust that this provides clarity on the matter.
Kind regards,
Oneplan.
One plan understood my frustration and escalated my claim to be processed although it took longer than normal I am still satisfied with my health plan policy
Reply from Oneplan Insurance 2026-05-28
Hi Mary-Jane,
Thank you for taking the time to compliment our team. Customer service is our number one priority, and we are delighted that we were able to create a memorable experience for you.
Kind regards,
Oneplan.
I’m absolutely upset and disappointed, and in the process of cancelling my plan. I was happy until Oneplan decided to take double the amount for my monthly premium in May, plus and extra R115. I have tried speaking to two different consultants, providing screenshots of my bank statement but yet they still refuse to acknowledge the extra charges, despite the referencing clearly stating it’s from them. I feel taken advantage of. As a hard working citizen, I work extremely hard for my money for some organisation to just take it and deny ever doing so. Some of us do not have extra buck laying around, we actually need EVERY CENT WE HAVE.
Reply from Oneplan Insurance 2026-05-27
Dear Claudia,
Thank you for taking the time to share your experience with us. We are truly sorry for the frustration, disappointment, and inconvenience you have gone through. Your feedback is deeply concerning, and we fully understand why you feel let down.
Kindly note that the matter has been investigated and we would like to clarify that as outlined in the policy schedule; It is your responsibility to ensure that we receive your premium on the date nominated by you. We reserve the right to collect any failed or rejected premiums through double debiting the nominated bank account with the outstanding premium and the following month’s premium. Should the failed or rejected premium be collected through debit order, your premium will not be collected on the date that you have nominated, and you may incur additional bank charges for which you will be responsible. Authenticated Collections (Debicheck) is a debit order collection system that allows us to ensure a debit can take place when sufficient funds are available.
The payments made are to cover the outstanding premium for May and June 2026. Additionally, the charge of R115.00 is not a premium debit processed by Oneplan as it does not reflect on the payment statement for your policy. This may be a charge from your bank due to the rejected transaction.
Certain terms and conditions are always applicable, and these are included in all policy documents before and during your experience with us. We will assist with all we can in line with our terms and conditions. Oneplan subscribes to its TCF principles and will take all reasonable steps to ensure fair and equal treatment of all our clients.
We trust that this clarifies the matter.
Kind regards,
Oneplan.
Dear Gideon,
We are concerned about your low rating and would like to gather more information on your experience so that we may address your concerns directly and clearly. May we kindly request that you send an email to [email protected] with your policy details and tell us all about your experience so that we may have a look into it and assist further. In your email, please mention that it is related to a Trustpilot Complaint.
We look forward to hearing from you.
Kind regards,
Oneplan.
I called in to find out if my plan would cover in hospital fees and Nyabe Ntlhoka was honestly an excellent customer care agent, she assisted with a step-by-step process on how we can get our claim approved and gave my husband and myself reassurance. Thank you Nyabe, you are a star !!
Reply from Oneplan Insurance 2026-05-21
Hi Kay,
Thank you for sharing your service experience with us. We truly appreciate your 5 star rating and are delighted that Nyabe delivered exceptional service. We look forward to continuing to impress you for many years.
Thank you for choosing Oneplan!
Kind regards,
Oneplan.
Oneplan Pet Insurance has been one of the worst companies ever!!!
Oneplan Pet Insurance has been one of the most incompetent companies I have ever dealt with.
My sign-up call was never completed and I never gave final confirmation for the policy to proceed. Days later, I received an email saying they had experienced “technical issues” but had gone ahead and activated the policy anyway. Excuse me? Since when do companies get to proceed with financial agreements without proper consent? In hind sight legal action should have been taken at this point.
I immediately contacted them and cancelled the policy within the 7-day cooling-off period. I received written confirmation on 28 April that the policy had been cancelled.
Yet on 30 April, they still debited my bank account.
I called again demanding an explanation and was told the matter would be investigated and feedback would be provided. Of course, no feedback came. Instead, I received another apology email AGAIN confirming the policy was cancelled.
Then somehow, despite all of this, on 7 May I received a phone call saying the debit order had bounced and asking me to make payment on a policy that THEY confirmed was cancelled.
At this point it feels less like administration errors and more like complete chaos behind the scenes.
The entire experience has been an absolute nightmare:
Unauthorized policy activation
Debiting after cancellation
Zero communication
Endless contradictions
Complete lack of accountability
If this is how they handle new clients, I can only imagine the disaster of trying to process an actual claim.
Avoid at all costs.
Reply from Oneplan Insurance 2026-05-09
Hi Bronwyn,
We sincerely apologise for the distress, frustration, and inconvenience you have experienced.
The situation you’ve described is deeply concerning, and we regret that our service fell so far short of what you are entitled to expect from us.
We are truly sorry for the way this matter was handled, including the unauthorised activation of the policy, the confusion surrounding cancellation, the debit order communication, and especially the lack of clear and timely feedback. This is not the standard of service we aim to provide, and we understand how upsetting this experience has been.
We have reviewed the matter internally and can confirm that, according to our records, the debit order in question was not successfully processed. However, we fully acknowledge that the communication around this was inconsistent and caused unnecessary distress, and for that we sincerely apologise.
We also regret the manner in which you were treated while trying to resolve the issue and that you were required to repeatedly follow up without receiving adequate feedback. Your experience has been escalated for review so that we may address the breakdowns that occurred and prevent similar incidents going forward.
Thank you for bringing this matter to our attention. Your feedback is taken very seriously, and we are sorry that we were unable to meet your expectations during this interaction.
Kind regards,
Oneplan.
They are quick to sell and give you NO COVER!!!!!…
They are quick to sell and give you discount, but when ONEPLAN need to stepup and do what they promised. They find all the excuses not to give authorization to do procedure, you have to stand by helpless and watch how your pet suffers. Carina De Villers, still waiting for your call.
Regards
Eduard & Nicolene Ellis
Reply from Oneplan Insurance 2026-05-09
Dear Eduard,
We are truly sorry for the distress and frustration you have experienced. This is certainly not the experience we want any of our members to have, especially when it involves the health and well‑being of a beloved fur baby.
We understand how upsetting it is to feel unsupported during such a difficult situation, and we apologise for the disappointment and inconvenience caused. Your concerns regarding cover, authorisation, and follow‑up communication are taken very seriously.
We would like the opportunity to investigate this matter thoroughly and assist you further. Please could you kindly provide your policy number or registered contact details by sending us a direct message, or email us at [email protected] so that we can review your policy and the specific circumstances around the claim and authorisation.
We are committed to understanding what went wrong and ensuring the appropriate team engages with you urgently.
Thank you for bringing this to our attention, and we hope to resolve this matter as soon as possible.
Kind regards,
Oneplan.
Adding my second dog was effortless, thank you for you prompt service Mbali Vilakazi!! Marilize
Reply from Oneplan Insurance 2026-04-30
Hi Marilize,
Thank you so much for your lovely feedback, Marilize! We’re delighted to hear that adding your second dog was effortless and that provided prompt and helpful service. We truly appreciate your support.
Kind regards,
Oneplan.
Oneplan did not come through for us after 8 years of paying premiums. Something has clearly changed at this company as I had a ppsitive experience with them 5 years ago.
When my almost 13-year-old dog Maya later became critically ill with IMHA, needed repeated overnight admissions, several days of hospital care, and was ultimately euthanised, my claim was rejected with generic responses.
The first rejection said her treatment was more in line with cover for “minor illnesses” that do not require hospitalisation. There was nothing minor about a life-threatening autoimmune disease that ended in death.
We spent around R24,000 trying to save her. While grieving her loss, I then had to chase vague explanations with no proper breakdown of what was actually reviewed.
I also submitted invoices showing no money owing and even a credit, yet was still asked for proof of payment, which made it seem like the documents were not properly considered.
Sadly, after 8 years as a customer, when we needed them most, Oneplan failed us. I can no longer recommend them.
Reply from Oneplan Insurance 2026-04-30
Dear Ashleigh,
Thank you for sharing your experience with us, and for taking the time to explain what you and your family have been through. We are truly sorry for the loss of your beloved Maya. Losing a fur baby is incredibly painful, and our sincere condolences are with you during this difficult time.
We also regret the distress and disappointment caused by the handling of your claim, especially given your many years of loyalty to Oneplan. We understand how upsetting it must be to face administrative frustrations while grieving, and we sincerely apologise for the inconvenience and confusion you experienced, including the feedback provided and the follow‑up process.
We would appreciate the opportunity to review your claim again in detail and ensure that your concerns are addressed properly. To allow us to do so, please kindly provide us with your policy details. You may send these to [email protected], with your policy number included in the subject line as a reference.
Alternatively, you are welcome to share your details with us via WhatsApp on +27 83 794 5452, and a member of our team will assist you further.
Once again, please accept our heartfelt condolences for your loss. We truly value the trust you placed in us over the years and would like the opportunity to assist you further and provide clarity on this matter.
Kind regards,
Oneplan.
I made all my payments for the two policies I have via debit order on time yet the moment they were to send my card, I got a message that said there was a shortfall and now that needs to be paid, when I tried to communicate this via their portal, they just didn't get back to me, they will also phone you and as soon as you answer, they drop the line in your ear.
Reply from Oneplan Insurance 2026-04-15
Dear Gerda,
Thank you for taking the time to share your concerns with us.
Following a thorough investigation, we would like to provide clarity on the matter. We have identified that the premium quoted during the policy application did not correctly reflect on our system. This issue was escalated to our IT department for rectification. Unfortunately, the correction was implemented after the initial debit instruction reflecting a lower amount had already been submitted to your bank. As a result, a subsequent debit request was processed to recover the outstanding balance required to align the premium correctly. However, this transaction was declined. Consequently, an outstanding amount remains payable on your policy and must be settled to ensure the policy remains in good standing.
With regard to the policy card, please note that this will be couriered to your selected address within 30 days following the successful collection of your first premium. You will receive an SMS notification once the card is ready for dispatch. As your policy inception date is 31/03/2026, the delivery is still well within the standard turnaround timeframe.
We trust that this clarifies the matter.
Kind regards,
Oneplan.
Oneplan mis sold policy
I took out a policy for full cover for my pet in November 2025, the agent told me OnePlan was runny a promo where i would get 50% off and no waiting period, This was no the case and I escalated this, a manager called me back and said after listening to the call he found I was mis sold and that going forward they would honor the price I was given however i have now been debited double , I called oneplan and was promised a call from a manager as they said they manager i initially spoke to no longer works there. To date no one has called
Reply from Oneplan Insurance 2026-04-10
Dear Vallerie,
Thank you for bringing this matter to our attention.
Our sincerest apologies for the experience you've had with our services. We have noted that a manager has been in contact with you to discuss the matter and assist further. Feedback will be provided once the matter has been investigated.
We look forward to resolving the matter at hand.
Kind regards,
Oneplan.
Good day,
I was told on 01 April that I would be refunded my illegal deduction in 5 days. I called the call center and was told that I would receive my refund by tonight or latest tomorrow morning. A WhatsApp message was then received stating that the amount has been processed and will be in my account in 5 to 7 working days. That does not work for me and it is clear that you have incompetent staff who actually do not know what they are talking about. I would like a confirmed date as to when MY money will be paid back to me.
08 April 2026
Still awaiting my refund. My bank does not take this long to reflect a payment. Please send proof that this has been paid into my account.
Reply from Oneplan Insurance 2026-04-07
Dear Hayley,
Thank you for bringing this matter to our attention.
Our sincerest apologies for the experience you've had with our services. Kindly note that a refund for the debit collected has been processed. The money will reflect in your bank account subject to your bank's processes and turnaround time.
We truly apologise for the inconvenience and frustration caused to you by this.
Kind regards,
Oneplan.
They look for any excuse not to pay their claims.
Run a mile.... away from this company
Reply from Oneplan Insurance 2026-04-02
Dear Gavin,
Thank you for taking the time to share your concerns with us.
May we kindly request that you send us an email to [email protected] with your policy details in the subject line and provide more information on your experience. This will allow us to investigate the matter and provide feedback. In your email, please state that it is related to a TrustPilot Complaint.
We look forward to hearing from you to resolve the matter.
Kind regards,
Oneplan.
I would like to sincerely thank Thandeka Mazibuko for her prompt and efficient assistance in correcting the errors on my policy. After a frustrating start, she handled the matter quickly and professionally, ensuring that my details were updated without further delay.
Her clear communication and willingness to assist made a big difference, and I truly appreciate the turnaround time. Updated documents were sent through as promised, which restored my confidence in the service.
Thank you, Thandeka, for your excellent support!
Reply from Oneplan Insurance 2026-03-30
Hi Nicolaas,
Thank you so much for sharing your feedback with us. While we’re sorry to hear that your experience began with some frustration, we’re truly delighted that Thandeka was able to turn things around so quickly and professionally.
We’re pleased to hear that she corrected the errors on your policy efficiently, communicated clearly throughout the process, and ensured your documents were updated and sent through exactly as promised. Providing prompt, accurate support is something we strive for, and it’s wonderful to know that Thandeka’s dedication helped restore your confidence in our service.
We truly appreciate your kind words, they will mean a great deal to her.
Thank you for choosing Oneplan!
Kind regards,
Oneplan.
Mbali Vilakazi assisted me and sorted out my challenge within the same day of reporting it. Thank you for your kindness and professional manner in which you comunicated with me
Reply from Oneplan Insurance 2026-03-20
Hi Layla,
Thank you for your kind words and for awarding Mbali a 5 star rating. We’re thrilled that your experience with our team was excellent. We look forward to supporting you for many years.
Kind regards,
Oneplan.