Best Pet Insurance Plans in New Zealand Compared

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Mason Author
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Thibault Editor
Updated Jun 15 2024
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What's the Best Pet Insurance in NZ?

PD Insurance's Deluxe Plan is the best pet insurance plan in New Zealand. This plan has no co-payment, a maximum excess of $200 and a high $20,000 policy limit, all the while remaining affordable and providing comprehensive cover that includes injury, illness, dental, vet consultations and even hereditary conditions.

There are several condition limits on things like cruciate ligament injuries, patella luxation and accidental ingestion so we also like Petnsur's Rhodium Plan and Cove's Major Plan which are very comprehensive and have no condition limits (except for emergency boarding at Cove).

10 Top Rated Pet Insurance Plans

After comparing every plan offered by every pet insurance company (over 20 plans) here are the top 10 pet insurance plans in New Zealand according to our experts:
 
  1. PD Insurance Deluxe Plan - Comprehensive, covers dental, with a low excess and no co-payment
  2. PD Insurance Accident Plan - The most comprehensive accident-only plan, with a low excess and no co-payment 
  3. Petnsur Rhodium Plan - Mid-size plan with no hidden limits, no co-payment and a small excess
  4. Cove Major Plan - A comprehensive, affordable plan with few limits and waiting periods, and a high $25,000 policy limit
  5. Cove Major + Minor Plan - Like the Major Plan but with a variable excess, higher co-payment and dental/everyday cover add-ons
  6. Southern Cross PetCare Plan - The most flexible pet insurance plan in NZ with a variable excess, co-payment and add-ons
  7. PD Insurance Classic Plan - A mid-size plan with comprehensive cover, a low excess and no co-payment
  8. Southern Cross AcciPet Plan - The cheapest pet insurance plan in New Zealand with a flexible excess and co-payment
  9. AA Accidental Injuries + Illness Plan - The most comprehensive plan covering dental, pre-existing conditions and overseas treatments
  10. SPCA Big Stuff Cover - A very comprehensive plan with few condition limits, a high policy limit and pre-existing condition cover

All NZ Pet Insurance Plans Compared

Show 13 more plans
*The average monthly costs of pet insurance for policies listed on this page are based on quotes obtained for a six month-old female Labrador Retriever and a six month-old Domestic Shorthair. Our example pets are desexed and we've picked the maximum policy limit, excess and co-payment where we had the option (a moderately expensive option). We haven't selected any add-ons. Quotes were last updated in May 2024.

The significant difference in the prices you see above for seemingly similar pet insurance plans can primarily be explained by the fact that vet bills, on average, are not that large which means that if you have a large excess or co-payment, the insurance company will likely not have to pay so much and therefore your premiums will be quite affordable. For example, for PD Insurance's Deluxe Plan for cats, we selected the $200 excess and the average cost was $51.48 compared to a similar plan, Southern Cross's PetCare Plan which was only $26.53 but we selected a $500 excess and 20% co-payment.

Pet Insurance for Other (exotic) Animals

Pet Insurance for Rabbits


Both Petcover and Petnsur offer pet insurance for rabbits to New Zealanders. 

PetCover has two policies to choose from - their Value and Plus exotic pet insurance plans. Your choices here are between $2,000 and $4,000 of cover and a $125 or $225 excess. Otherwise, with both plans you get injury and illness cover, third party liability cover and advertising/reward cover. Be aware that several treatments including diagnostics, specialist visits and alternative treatments also include a co-payment from 10% to 50%. The eligibility is from 8 weeks to 5 years and the quote we got for a six-month-old Mini Lop was $23.46 per month for the Value Plan and $28.63 for the Plus Plan.

Petnsur has one plan - their Gold Plan. This is a slightly cheaper option with $1,500 of cover per year and a 20% co-payment. The quote we got for our six month old Mini Lop was $22.64 per month. For that you get full cover for medical, surgery, specialist, and alternative treatments as well as cover for hereditary conditions.

Given the deeper cover, and lack of conditions on extra care we recommend Petnsur's Gold Plan for rabbit insurance although PetCover's Plus Plan has a much bigger limit so is better if you want cover for larger vet bills.
 

Pet Insurance for Small Mammals


If you have a guinea pig, mouse, rat, chinchilla, hamster, goat or any other reasonably common small mammal then you can also insure them with PetCover's Value and Plus plans as outlined for rabbits above. Note that the monthly premiums for your pet will likely be different than for the rabbits quoted above.
 

Pet Insurance for Birds


Birds of prey, budgies, parrots, chickens, ducks, geese, lorikeets, pigeons and many other bird types can be covered with PetCover. Your bird insurance options include their Value, Plus and Premier plans with a $2,000, $4,000 or $6,000 policy limit each and an eligibility of 12 weeks of age. 

Each plan has an optional excess of $75 or $175 with injuries and illness covered fully while specialist, diagnostic and alternative treatments each have a fixed excess and co-payment from 10% to 50%. These plans also cover advertising and reward costs up to $500 and third party liability up to $1,000,000. Optional extras include death and loss from fire, weather, theft or while flying (birds of prey only).
 

Pet Insurance for Reptiles and Turtles


Turtles, tortoises, geckos, skinks, dragons and other reptiles can be insured with PetCover. The plans are the exact same as the bird insurance plans outlined above.

Which Companies Offer Multi-pet Insurance Discounts?

If you are looking to insure multiple pets then taking advantage of companies with multi-pet discounts can save you hundreds, or even thousands of dollars in the long run.

The following multi-pet insurance discounts are available in New Zealand:
 

How Much Does Pet Insurance Cost?

On average, a full coverage dog insurance plan costs between $40 and $80 per month although accident only plans can be as little as $10 a month and while the most expensive plans can be upwards of $150 a month. 

Full coverage cat insurance plans are less expensive and are often between $20 and $40 per month although can be as little as $5 for the cheapest accident-only plans and up to $100 for the most expensive plans.

You'll find quotes for every NZ pet insurance plan below. Do be aware though that we have selected the maximum excess, co-payment and policy limit for each. Choosing a smaller excess and co-payment will make your plan's premiums more expensive while a smaller policy limit will make your chosen plan's premiums cheaper i.e. the more likely you are to pay more at the vet the less expensive your premiums will be and vice versa.

Pet Insurance Quotes NZ

PlanAverage Monthly Cost (Dog)Average Monthly Cost (Cat)ExcessCo-PaymentPolicy Limit
AA Pet Insurance Accidental Injuries + Illness$43.94$23.29$50020%$15,000
Cove Pet Insurance Accident Only Plan$15.93$10.35$50010%$5,000
Cove Pet Insurance Major Plan$39.33$16.55$1,00010%$25,000
Cove Pet Insurance Major + Minor Plan$47.78$20.10$50020%$25,000
PD Insurance Accident Plan$18.97$10.85$200None$5,000
PD Insurance Classic Plan$62.41$36.43$200None$10,000
PD Insurance Deluxe Plan$83.27$51.48$200None$20,000
Petcover Safety-net Plan (Economy)$51.45$25.44$15020%$7,000 for some accidental injuries
Petcover Safety-net Plan (Catastrophe 1 / Catastrophe 2)$45.45 / $54.08$21.75 / $26.23$90020%$5,000 / $10,000
Petcover Mid-range Plan (Core / Vital / Key)$34.15 / $38.52 / $53.34$19.24 / $22.32 / $28.32$20030%$5,000 / $10,000 / $15,000
Petcover Superior Plans (Entry / Mid-Point / Superior)$67.73 / $75.88 / $90.53$33.06 / $36.86 / $43.72$15020%$10,000 / $15,000 / $20,000 (Dog), $9,000 / $10,000 / $15,000 (Cat)
Petnsur Surgery / Surgery Plus Plans$23.91 / $37.46$14.36 / $22.64None10%$1,500 / $3,000 for surgical treatments
Petnsur Rhodium Plan$79.92$43.19None$300$6,000
Petnsur Silver / Gold / Platinum Plans$55.73 / $72.64 / $101.01$38.00 / $47.19 / $74.64None30% / 25% / 20%$4,000 / $6,000 / $9,000
Petnsur Titanium Plan$159.01$68.10None20%$18,000
Southern Cross Pet Insurance AcciPet Plan$13.85$6.76$50030%$5,000
Southern Cross Pet Insurance PetCare Plan$57.97$26.53$50030%$15,000
SPCA Pet Insurance Everyday Cover$78.19$37.93None30%$11,000, $2,000 per condition
SPCA Pet Insurance The Works Cover$95.00$46.23None20%$20,000
SPCA Pet Insurance Big Stuff Cover$57.56$29.55$1,00020%$25,000
Tower Pet Insurance Accident Only Plan$23.53$13.85None20%$5,000, $2,000 for non-life threatening injuries
Tower Pet Insurance Essential Plan$56.49$33.22None20%$7,000, $2,000 for non-life threatening injuries
Tower Pet Insurance Comprehensive Plan$67.23$39.54None20%$15,000, $4,000 for non-life threatening injuries

Cheap Pet Insurance Plans NZ

The cheapest pet insurance plan in New Zealand is Southern Cross's AcciPet Plan which costs as little as $14 per month for our example dog and $7 per month for our example cat. 

Unsurprisingly all accident-only dog insurances are significantly cheaper than full coverage options as you can only claim on expenses incurred from accidental injuries and not illnesses.

At just $39.33 and $16.55 per month for our example dog and cat respectively, the best cheap full coverage pet insurance policy is Cove's Major Plan. It has a $1,000 excess and 10% co-payment but a large $25,000 policy limit, no condition limits (except for emergency boarding), and covers accidents, illnesses, parasite treatments, hereditary conditions and vet consultations fully.

Plenty of factors influence the cost of pet insurance in New Zealand, namely:
 
  • Excess and Co-payment - The more you pay in monthly premiums the less you will pay at the vet so consider maxing out your excess and co-payment
  • Cover - How much cover your pet gets will increase the cost to insure them because with more cover you have the more likely you are to make a claim and use your insurance
  • Age - You pet insurance premiums will increase with age as vet bills get more expensive with inflation and the chances your pet needs to get treatment rises
  • Breed - Some breeds are more prone to accident and illness than others which means more liability for pet insurance providers and more expensive premiums for you
  • Insurer - Each insurer calculates the likelihood of needing treatment and its costs slightly differently so be sure to get a couple of quotes from similar plans to compare the prices offered
  • Discounts - Multi-pet discounts, discounts when paying annually, membership discounts, referral bonuses, and/or sign up bonuses are available at all NZ pet insurance companies

Pet Insurance Cover Compared

Are you looking for pet insurance with as much cover as possible, cover for only accidents or a specific type of cover like dental or travel cover?

Below we break down all NZ pet insurance plans, and highlight the best ones, for the following different coverage options.
 

Comprehensive Pet Insurance Policies

Most pet insurance policies in New Zealand are comprehensive in that they cover both accidents and illnesses. Still, of these plans, several are much more comprehensive than others with additional cover for things like dental, emergency boarding, overseas treatments or loss.

The most comprehensive pet insurance plan in New Zealand is AA Pet Insurance's only plan which covers accidental injury, illness, dental, vet consultations, pre-existing conditions, hereditary conditions, parasite treatments, emergency boarding, and overseas treatment. They also have an optional add-on for (their Paw Care Package) which can be used for routine care, vaccinations, preventative care, and burial/cremation.

The most comprehensive pet insurance plans in New Zealand are:
 
PlanWhat's CoveredPolicy Limit
AA Pet Insurance Accidental Injuries + IllnessAccidental Injury, Illness, Dental, Vet Consultations, Pre-Existing Conditions, Hereditary Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment$5,000 to $15,000
Cove Pet Insurance Major PlanAccidental Injury, Illness, Vet Consultations, Hereditary Conditions, Parasite Treatments, Emergency Boarding$25,000
Cove Pet Insurance Major + Minor PlanAccidental Injury, Illness, Vet Consultations, Hereditary Conditions, Parasite Treatments, Emergency Boarding$25,000
PD Insurance Classic PlanAccidental Injury, Illness, Third Party Liability, Vet Consultations, Hereditary Conditions$10,000
PD Insurance Deluxe PlanAccidental Injury, Illness, Third Party Liability, Dental, Vet Consultations, Hereditary Conditions$20,000
Petcover Safety-net Plan (Economy)Accidental Injury, Illness, Third Party Liability, Alternative Treatments, Emergency Boarding$7,000 for some accidental injuries
Petcover Safety-net Plan (Catastrophe 1 / Catastrophe 2)Accidental Injury, Illness, Vet Consultations$5,000 / $10,000
Petcover Mid-range Plan (Core / Vital / Key)Accidental Injury, Illness, Third Party Liability, Vet Consultations, Parasite Treatments, Emergency Boarding$5,000 / $10,000 / $15,000
Petcover Superior Plans (Entry / Mid-Point / Superior)Accidental Injury, Illness, Third Party Liability, Vet Consultations, Alternative Treatments, Emergency Boarding$10,000 / $15,000 / $20,000 (Dog), $9,000 / $10,000 / $15,000 (Cat)
Petnsur Surgery / Surgery Plus PlansAccidental Injury, Illness, Hereditary Conditions$1,500 / $3,000 for surgical treatments
Petnsur Rhodium PlanAccidental Injury, Illness, Vet Consultations, Alternative Treatments, Hereditary Conditions$6,000
Petnsur Silver / Gold / Platinum PlansAccidental Injury, Illness, Hereditary Conditions, Vaccinations, Vet Consultations, Alternative Treatments, Emergency Boarding$4,000 / $6,000 / $9,000
Petnsur Titanium PlanAccidental Injury, Illness, Third Party Liability, Vet Consultations, Alternative Treatments, Hereditary Conditions$18,000
Southern Cross Pet Insurance PetCare PlanAccidental Injury, Illness, Hereditary Conditions$2,500 to $15,000
SPCA Pet Insurance Everyday CoverAccidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment$11,000, $2,000 per condition
SPCA Pet Insurance The Works CoverAccidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment$20,000
SPCA Pet Insurance Big Stuff CoverAccidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment$25,000
Tower Pet Insurance Essential PlanAccidental Injury, Illness, Vet Consultations, Alternative Treatments, Emergency Boarding$7,000, $2,000 for non-life threatening injuries
Tower Pet Insurance Comprehensive PlanAccidental Injury, Illness, Vet Consultations, Alternative Treatments, Emergency Boarding$15,000, $4,000 for non-life threatening injuries

Accident-only Pet Insurance Policies

Several pet insurance companies in New Zealand have cheaper and less comprehensive accident-only plans. While we recommend more comprehensive insurance if you can afford it, an accident-only plan is still a good idea given that they cost only around $10 to $20 per month and can cover your pet up to $5,000.

We rate PD Insurance's Accident Plan as the best accident only pet insurance in New Zealand because it also covers third party liability and vet consultations and only has a $100 or $200 excess and no co-payment meaning almost all of your injury-related vet bills will be covered.
 
PlanWhat's CoveredPolicy Limit
Cove Pet Insurance Accident Only PlanAccidental Injury, Vet Consultations, Emergency Boarding$5,000
PD Insurance Accident PlanAccidental Injury, Third Party Liability, Vet Consultations$5,000
Southern Cross Pet Insurance AcciPet PlanAccidental Injury$5,000
Tower Pet Insurance Accident Only PlanAccidental Injury, Vet Consultations, Alternative Treatments$5,000, $2,000 for non-life threatening injuries

Pet Insurance That Covers Pre-existing Conditions

Both AA and SPCA Pet Insurance cover pre-existing conditions in their policies provided that your pet has been symptom free and you have a note from your vet.

All other pet insurance plans don't cover pre-existing conditions for new policy holders although if you buy the insurance before the first symptom arises then it will be covered for life. That is why we recommend all pet owners to buy insurance from an early age.
 
PlanMaximum AgeExcess / Co-paymentAnnual Cover Limit
AA Pet Insurance Accidental Injuries + Illness Plan9 years old$0, $100, $250 or $500 excess / 20% co-payment$5,000, $10,000 or $15,000
SPCA Pet Insurance Everyday Cover PlanNone30% co-payment$11,000, $2,000 per condition
SPCA Pet Insurance The Works Cover Plan9 years old20% co-payment$20,000
SPCA Pet Insurance Big Stuff Cover PlanNone$1,000 excess / 20% co-payment$25,000

Pet Insurance That Covers Dental

Several NZ pet insurance plans cover dental care, although you may need to add it on to your policy for an extra cost. Generally dental care includes treatment for medically required dental injury or illness eg. abscesses, gingivitis and tooth removal although it's always a good idea to check your policy wording for specific limits.

The best pet insurance that covers dental in New Zealand is Cove's Major + Minor Plan. Dental cover is an optional add-on with this plan but there is a competitive $500 limit and it's the only policy with no stand down period.
 
PlanLimitStand Down Period
AA Pet Insurance Accidental Injuries + Illness Plan$6006 months
PD Insurance Deluxe Plan$500180 days
Cove Pet Insurance Major + Minor Plan*$500None
Southern Cross Pet Insurance PetCare Plan*$30090 days
Tower Pet Insurance Essential Plan*$35090 days
Tower Pet Insurance Comprehensive Plan*$35090 days
*Pet insurance plans where dental cover is only available as an add-on

Pet Insurances With No Waiting Period

All pet insurance policies in New Zealand except Tower's Accident Only Plan have at least some waiting periods for some conditions although there a big differences between pet insurance providers. Some offer no or very short stand down periods of a week or two for certain conditions while others require you to wait up to six months or a year before making a claim.

Tower has some of the shortest and fewest waiting periods with no waiting period on accidental injury and only 14 days for illness and 90 days for dental. Cove has no waiting periods for illnesses or dental on their Major + Minor Plan and despite being one of the only plans with a waiting period on injury (7 days) Petnsur only has a 21 day waiting period on illness and no others.
 
PlanWaiting Periods
AA Pet Insurance Accidental Injuries + Illness14 days for Illness
6 months for Dental
6 months for Cruciate Ligament
Cove Pet Insurance Accident Only Plan6 months for Cruciate Ligament
6 months for Intervertebral Disc Disease
Cove Pet Insurance Major Plan21 days for Illness
6 months for Cruciate Ligament
6 months for Intervertebral Disc Disease
Cove Pet Insurance Major + Minor Plan21 days for Illness
6 months for Cruciate Ligament
6 months for Intervertebral Disc Disease
PD Insurance Accident Plan180 days for Third Party Liability
180 days for Cruciate Ligament
180 days for Patella Luxation
PD Insurance Classic Plan21 days for Illness
180 days for Third Party Liability
180 days for Cruciate Ligament
180 days for Patella Luxation
21 days for ingestion/poisoning
PD Insurance Deluxe Plan21 days for Illness
180 days for Dental
180 days for Third Party Liability
180 days for Cruciate Ligament
180 days for Patella Luxation
21 days for ingestion/poisoning
Petcover Safety-net Plan (Economy)21 days for Illness
21 days for ingestion/poisoning
Petcover Safety-net Plan
(Catastrophe 1 / Catastrophe 2)
30 days for Illness
6 months for Cruciate Ligament
365 days for Brachycephalic Obstructive Airway Syndrome
Petcover Mid-range Plan (Core / Vital / Key)28 days for Illness
365 months for Cruciate Ligament
28 days for Brachycephalic Obstructive Airway Syndrome
Petcover Superior Plan (Entry / Mid-point / Superior)21 days for Illness
28 days for Brachycephalic Obstructive Airway Syndrome
Petnsur Surgery / Surgery Plus Plans7 days for Accidental Injury
21 days for Illness
Petnsur Rhodium Plan7 days for Accidental Injury
21 days for Illness
Petnsu Silver / Gold / Platinum Plans7 days for Accidental Injury
21 days for Illness
Petnsur Titanium Plan7 days for Accidental Injury
21 days for Illness
Southern Cross Pet Insurance AcciPet Plan90 days for Cruciate Ligament
90 days for Patella Luxation
Southern Cross Pet Insurance PetCare Plan21 days for Illness
90 days for Dental
90 days for Cruciate Ligament
90 days for Patella Luxation
SPCA Pet Insurance Everyday Cover21 days for Illness
6 months for Cruciate Ligament*
SPCA Pet Insurance The Works Cover21 days for Illness
6 months for Cruciate Ligament*
SPCA Pet Insurance Big Stuff Cover21 days for Illness
6 months for Cruciate Ligament*
Tower Pet Insurance Accident Only PlanNone
Tower Pet Insurance Essential Plan14 days for Illness
90 days for Dental
Tower Pet Insurance Comprehensive Plan14 days for Illness
90 days for Dental
*Can be waived with a vet's note

Pet Liability Insurance (for renters)

No pet insurance policies in New Zealand have pet liability insurance for rental or properties you own. Third party liability cover instead covers damage to people or their property outside your family eg. neighbours and strangers.

Some renters or home/contents insurance policies in New Zealand will cover damage caused by pets to a rental property, although most exclude pets, especially gradual damage from pets eg. scratches to wooden floors or carpets that have been stained multiple times. 

In saying this, New Zealand has a law which states that if tenants damage a rental property, they will only liable for the cost of the damage, up to four weeks’ rent or the landlord’s insurance excess, whichever is lower. So, checking that your landlord has insurance is also a good idea if you are concerned about your pet damaging your rental property.

Still, there are several pet insurances with third party liability cover in New Zealand.
 
PlanLimitStand Down Period
PD Insurance Accident Plan$10,000180 Days
PD Insurance Classic Plan$10,000180 Days
PD Insurance Deluxe Plan$10,000180 Days
Petcover Safety-net Plan (Economy)$1,000,000None
Petcover Safety-net Plan
(Catastrophe 1 / Catastrophe 2)*
$1,000,000None
Petcover Mid-range Plan (Core / Vital / Key)$1,000,000None
Petcover Superior Plan (Entry / Mid-point / Superior)$3,000,000 / $3,000,000 / $5,000,000None
Petnsur Titanium Plan$13,000None
*Optional add-on

Pet Insurance That Covers Desexing (spaying/neutering)

Five NZ pet insurance plans cover pet desexing but all require you to add extra care to the underlying policy. 

The best pet insurance policies for desexing are AA's only pet insurance plan and Cove's Major + Minor Plan as they have the largest cover amounts for desexing (up to $100).
 
PlanLimit
AA Pet Insurance Accidental Injuries + Illness*$100
Cove Pet Insurance Major + Minor Plan*$100
Petcover Mid-range Plan (Core / Vital / Key)*$50
Petnsur Silver / Gold / Platinum Plans*$20 / $40 / $50
Southern Cross Pet Insurance PetCare Plan*$75
*Optional add-on

Pet Insurance That Covers Vaccinations

Similar to desexing, there are only a handful of pet insurance plans in New Zealand that have cover for vaccinations and all of them require you to purchase an optional add-on to get it.

AA has the best pet insurance plan for vaccinations with the highest annual limit ($100).
 
PlanLimit
AA Pet Insurance Accidental Injuries + Illness*$100
Petcover Mid-range Plan (Core / Vital / Key)*$30
Southern Cross Pet Insurance PetCare Plan*$75
*Optional add-on

Pet Insurance That Covers Travel (overseas treatments)

Both AA and SPCA offer cover for overseas treatments in Australia and the Norfolk Islands with no restrictions other than their general annual limits. That means that we recommend AA for pet travel insurance as it is our plan with the highest rating.

Of the companies we review, there are no other NZ pet travel insurance options for trips outside of Australia or the Norfolk Islands.
 
PlanLimit
AA Pet Insurance Accidental Injuries + Illness$5,000, $10,00 or $15,000
SPCA Pet Insurance Everyday Cover$11,000, $2,000 per condition
SPCA Pet Insurance The Works Cover$20,000
SPCA Pet Insurance Big Stuff Cover$25,000

NZ Pet Insurance FAQ and Definitions

The best pet insurance in New Zealand is PD Insurance's Deluxe Plan because is has a maximum excess of $200 and no co-payment as well as covering up to $20,000 per year in eligible vet bills for conditions including injuries, illnesses, dental, vet consultations and hereditary conditions.
All pet insurance's in New Zealand, except Petcover's Safety-Net Economy Plan, have lifetime cover. 

That means that all other pet insurance plans from AA Pet Insurance, Cove Pet Insurance, Petcover, Petnsur, Southern Cross Pet Insurance, SPCA Pet Insurance, and Tower Pet Insurance have lifetime cover.
Yes, you can get free pet insurance as a sign up bonus or as part of a trial period from PD Insurance, Petnsur and Southern Cross Pet Insurance.

Free pet insurance in New Zealand is available at:
 
  • PD Insurance - Buy online, get 1 month free
  • Petnsur - Six weeks of free insurance (no obligation)
  • Southern Cross Pet Insurance - Puppies get 6 weeks of free insurance worth $2,000
All pet insurance plans in New Zealand have discounts. The pet insurance discounts you can get are:
 
  • AA Pet Insurance: 5% discount for AA members
  • Cove Pet Insurance: Puppies get up to $100 off for 3 months + 10% multi-policy discount + 10% discount when paying annually + up to $100 when you refer a friend
  • PD Insurance: Buy online, get 1 month free + 5% multi-pet discount + $150 per pet when switching to PD Insurance
  • Petcover: 10% multi-pet discount (3+ pets)
  • Petnsur: Six weeks of free insurance (no obligation)
  • Southern Cross Pet Insurance: Puppies get 6 weeks of free insurance worth $2,000 + 5% multi-pet discount + 2.5% Southern Cross Health Society member discount + 2.5% direct debit discount when paying annually
  • SPCA Pet Insurance: 10% multi-pet discount
  • Tower Pet Insurance: 5% multi-pet discount
Yes, pet insurance is worth buying especially if you cannot afford the large costs associated with potential vet visits. Depending on the plan you chose and your pet, you can get up to $25,000 of cover for as little as $15 a month. 

Ultimately, pet insurance will probably only feel worthwhile if you are unfortunate enough to make a claim but if you do face expensive vet bills then you will almost certainly be happy to have pet insurance.
An excess is a fixed cost that you must pay for every insurance claim you make. A co-payment is a fixed percentage of your remaining vet bills that you must pay.

For example a policy with a $100 excess and 10% co-payment will cost you $190 when making a $1,000 claim. A $1,000 bill - $100 excess = $900 remaining. The 10% co-payment of $900 is $90. $100 excess + $90 co-payment = $190 cost for you.
Your policy limit refers to the maximum amount your insurer will reimburse you for eligible bills per policy period (generally per year). Many policies also have condition limits limits which refer to the maximum amount you can claim per condition, per policy period.
A stand down period is the time you have to wait before making a claim. Eg. a stand-down period of 14 days for illness cover means you can only make a claim for bills related to illness after 14 days have passed since our policy start date.
All pet insurance companies in New Zealand have online claims processing that is accessible online through their website. When making a claim it is a good idea to have your vet invoice and policy documents/policy number handy.

Pet insurance claims processing can take several weeks but most pet insurance companies processes claims within a week if all of the information you provide is complete. PD Insurance boasts 2 days claim processing for 95% of pet insurance claims.
You can buy pet insurance online in NZ and it takes 5 to 10 minutes. 

Here are the steps to buying pet insurance online:
 
  1. Select one of the links on this page to visit a NZ pet insurance company
  2. Request a quote on the pet insurance website and add some info about you and your pet
  3. Compare the policies offered, their add-ons and conditions
  4. Select a plan, add your payment information and submit!

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