Best Pet Insurance Plans in New Zealand Compared
Mason
Author
Louis
Editor
Thibault
Editor
Updated
Jul 21 2024
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).
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:
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- PD Insurance Deluxe Plan - Comprehensive, covers dental, with a low excess and no co-payment
- PD Insurance Accident Plan - The most comprehensive accident-only plan, with a low excess and no co-payment
- Petnsur Rhodium Plan - Mid-size plan with no hidden limits, no co-payment and a small excess
- Cove Major Plan - A comprehensive, affordable plan with few limits and waiting periods, and a high $25,000 policy limit
- Cove Major + Minor Plan - Like the Major Plan but with a variable excess, higher co-payment and dental/everyday cover add-ons
- Southern Cross PetCare Plan - The most flexible pet insurance plan in NZ with a variable excess, co-payment and add-ons
- PD Insurance Classic Plan - A mid-size plan with comprehensive cover, a low excess and no co-payment
- Southern Cross AcciPet Plan - The cheapest pet insurance plan in New Zealand with a flexible excess and co-payment
- AA Accidental Injuries + Illness Plan - The most comprehensive plan covering dental, pre-existing conditions and overseas treatments
- 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
What's Covered
Sign-up Bonus
Buy Online, Get 1 Month Free
Eligibility
6 weeks to 9 years old
Average Monthly Cost
$83.27 (Dog), $51.48 (Cat)
Excess or Co-Payment
$100, $150 or $200 excess
Annual Policy Limit
$20,000
What's Not Covered
- Routine care
- Vaccinations
- Alternative treatments
- Pre-existing conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days for accidental ingestion
- 21 days for poisoning
- 21 days for illness
- 180 days for third party liability
- 180 days for cruciate ligament injury
- 180 days for patella luxation
- 180 days for dental illnesses
Condition Limits
- $200 per visit for vet consultations
- $3,800 for hereditary conditions
- $7,500 for cruciate ligament
- $7,500 for patella luxation
- $7,500 for accidental ingestion
- $7,500 per claim limit
- $10,000 for third party liability
Extras
None
Add-Ons
None
Ways to Save
5% multi-pet discount + $150 per pet when switching to PD Insurance
- Covers dental
- Covers illness, injury, liability
- High $20,000 policy limit
- Excess payable for every bill
-
Doesn't cover routine care
-
Long stand down periods
Overall, we rated PD Insurance's Deluxe Plan as the best pet insurance in New Zealand. It covers accidents, injuries, hereditary conditions and unlike most pet insurances in New Zealand, third party liability and dental care.
Another key factor was the high $20,000 policy limit although the $7,500 per claim limit was certainly the most off-putting thing about this policy. As were the condition limits for accidental ingestion, cruciate, patella and hereditary conditions - even if these are relatively high. PD insurance also boasts one free month of insurance as a sign up offer, faster than average 2 day claims processing and a competitive 5% multi pet discount.
The other thing to watch out for with this plan is the long stand down periods - you can't claim for accidental ingestion, poisoning and illness in the first 21 days, or third party liability, cruciate ligament, patella luxation and dental illnesses in the first 180 days. So effectively you pay for 3 weeks or 6 months without cover for these conditions (ignoring the sign up bonus).
And even though it is comprehensive, this plan also doesn't cover emergency boarding, overseas treatments or routine care and vaccinations. An alternative plan that covers these conditions is AA Pet Insurance's only pet insurance plan although this plan does have more restrictive conditions limits for certain claims.
Another similar plan is Southern Cross's Pet Care Plan which allows you to add dental cover. This plan has a lower policy limit of $15,000 and a co-payment of at least 10%, but has shorter stand down periods and has optional cover for routine care and vaccinations. It also has very few condition limits.
Another key factor was the high $20,000 policy limit although the $7,500 per claim limit was certainly the most off-putting thing about this policy. As were the condition limits for accidental ingestion, cruciate, patella and hereditary conditions - even if these are relatively high. PD insurance also boasts one free month of insurance as a sign up offer, faster than average 2 day claims processing and a competitive 5% multi pet discount.
The other thing to watch out for with this plan is the long stand down periods - you can't claim for accidental ingestion, poisoning and illness in the first 21 days, or third party liability, cruciate ligament, patella luxation and dental illnesses in the first 180 days. So effectively you pay for 3 weeks or 6 months without cover for these conditions (ignoring the sign up bonus).
And even though it is comprehensive, this plan also doesn't cover emergency boarding, overseas treatments or routine care and vaccinations. An alternative plan that covers these conditions is AA Pet Insurance's only pet insurance plan although this plan does have more restrictive conditions limits for certain claims.
Another similar plan is Southern Cross's Pet Care Plan which allows you to add dental cover. This plan has a lower policy limit of $15,000 and a co-payment of at least 10%, but has shorter stand down periods and has optional cover for routine care and vaccinations. It also has very few condition limits.
What's Covered
Sign-up Bonus
Buy Online, Get 1 Month Free
Eligibility
6 weeks to 12 years old
Average Monthly Cost
$18.97 (Dog), $10.85 (Cat)
Excess or Co-Payment
$100, $150 or $200 excess
Annual Policy Limit
$5,000
What's Not Covered
- Illness
- Dental
- Routine care
- Vaccinations
- Alternative treatments
- Pre-existing conditions
- Hereditary conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days for poisoning
- 21 days for ingestion
- 180 days for third party liability
- 180 days for cruciate ligament injury
- 180 days for patella luxation
Condition Limits
- $200 per visit for vet consultations
- $2,000 for accidental ingestion
- $10,000 for third party liability
Extras
None
Add-Ons
None
Ways to Save
5% multi-pet discount + $150 per pet when switching to PD Insurance
- Covers third party liability
- Flexibility to chose excess amount
- Eligibility from 6 weeks to 12 years
- Fast 2-day claims processing
-
Long stand down periods
-
Excess on every claim
Our experts agree that PD insurance's Accident Plan is New Zealand's best accident-only pet insurance plans. PD's accident only plan has one of the longest eligibility periods of any pet insurance plan in NZ covering dogs and cats anywhere from 6 weeks to 12 years old (the coverage lasts for the pets lifetime but your pet must be at most 12 years old) and is one of the few pet insurance plans to cover third party liability (when your pet injures someone or damages another's property).
PD Insurance also boasts 2 day claims processing, which is a day or two faster than the industry standard. Like most other accident-only pet insurance plans in NZ, PD insurance's Accident Plan covers yearly claims up to $5,000. In terms of costs, there's a variable excess of $100, $150 or $200, which is decided by you when signing up (the bigger your excess the smaller your monthly premiums), and no co-payment. This makes it ideal for bigger vet bills as the most you'll ever pay is determined by your excess. Otherwise, this policy only covers accidental injury and third party liability, so no illness, dental or routine care.
Like other accident-only pet insurances, this plan covers vet bills arising from a single event causing unforeseen (not gradual) physical injury. This cover includes the costs for things like prescribed medication, radiology, pathology, operating theatre costs, hospitalisation and non-elective euthanasia.
One thing to note however is that the stand down periods for this plan are 21 days for ingestion and poisoning, 180 days for third party liability and 180 days for cruciate ligament and patella luxation. There is no stand down period on other accident-only plans like Southern Cross's AcciPet Plan for accidental ingestion and only 90 days for cruciate ligament injuries. So, if this seems like a long time to you then pick a different plan. Southern Cross's AcciPet Plan also has a more flexible excess option, although it also includes a co-pay.
PD Insurance also boasts 2 day claims processing, which is a day or two faster than the industry standard. Like most other accident-only pet insurance plans in NZ, PD insurance's Accident Plan covers yearly claims up to $5,000. In terms of costs, there's a variable excess of $100, $150 or $200, which is decided by you when signing up (the bigger your excess the smaller your monthly premiums), and no co-payment. This makes it ideal for bigger vet bills as the most you'll ever pay is determined by your excess. Otherwise, this policy only covers accidental injury and third party liability, so no illness, dental or routine care.
Like other accident-only pet insurances, this plan covers vet bills arising from a single event causing unforeseen (not gradual) physical injury. This cover includes the costs for things like prescribed medication, radiology, pathology, operating theatre costs, hospitalisation and non-elective euthanasia.
One thing to note however is that the stand down periods for this plan are 21 days for ingestion and poisoning, 180 days for third party liability and 180 days for cruciate ligament and patella luxation. There is no stand down period on other accident-only plans like Southern Cross's AcciPet Plan for accidental ingestion and only 90 days for cruciate ligament injuries. So, if this seems like a long time to you then pick a different plan. Southern Cross's AcciPet Plan also has a more flexible excess option, although it also includes a co-pay.
What's Covered
Sign-up Bonus
Six Weeks of Free Insurance (No Obligation)
Eligibility
6 weeks to 8 years old
Average Monthly Cost
$79.92 (Dog), $43.19 (Cat)
Excess or Co-Payment
$300 co-payment
Annual Policy Limit
$6,000
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Pre-existing conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 7 days for accidental injury
- 21 days for medical treatments
Condition Limits
- None
Extras
None
Add-Ons
None
Ways to Save
None
- $300 co-payment only
- No condition limits
- Injury, illness and hereditary cover
- Short stand down periods
-
Relatively low policy limit
-
Not for pets over 8 years old
Petnsur's Rhodium Plan is a top-notch, comprehensive plan designed to take most of the edge off of most of your vet bills. That's because it is structured somewhat uniquely in that it covers all major conditions and treatments but has a smaller policy limit ($6,000) and a smaller co-payment ($300) than almost all other pet insurances in New Zealand.
Better yet, there are no condition limits with this plan, so the full $6,000 can go towards one or many different claims throughout a given policy year. The other major highlights of this plan are that hereditary conditions will be covered so long as they aren't present in the pet's first 3 years of life and that there are relatively short stand down periods for this plan - 7 days for accidental injury and 21 days for medical treatments.
And it's worth mentioning the very competitive sign up offer too - six weeks of no obligation free insurance with cover for up to $2,000 is worth nabbing even if you decide that you don't need pet insurance.
If we have to criticize the Rhodium Plan a bit we could say that the policy limit is pretty low and that it doesn't offer much extra cover e.g. third party liability or emergency boarding, but to be fair it's not really built for this with a lower level of cover than the policies like Cove's Major Plan or SPCA's Big Stuff Cover.
Better yet, there are no condition limits with this plan, so the full $6,000 can go towards one or many different claims throughout a given policy year. The other major highlights of this plan are that hereditary conditions will be covered so long as they aren't present in the pet's first 3 years of life and that there are relatively short stand down periods for this plan - 7 days for accidental injury and 21 days for medical treatments.
And it's worth mentioning the very competitive sign up offer too - six weeks of no obligation free insurance with cover for up to $2,000 is worth nabbing even if you decide that you don't need pet insurance.
If we have to criticize the Rhodium Plan a bit we could say that the policy limit is pretty low and that it doesn't offer much extra cover e.g. third party liability or emergency boarding, but to be fair it's not really built for this with a lower level of cover than the policies like Cove's Major Plan or SPCA's Big Stuff Cover.
What's Covered
Sign-up Bonus
Puppies & Kittens Get Up to $100 off for 3 Months
Eligibility
8 weeks to 5 years old
Average Monthly Cost
$39.33 (Dog), $16.55 (Cat)
Excess or Co-Payment
$1,000 excess and 10% co-payment
Annual Policy Limit
$25,000
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Alternative treatments
- Pre-existing conditions
- Breeding conditions
- Occupational treatments
- Overseas treatments
Stand Down Period
- 21 days for illness
- 6 months for cruciate ligament injury
- 6 months for intervertebral disc disease
Condition Limits
- $1,500 for emergency boarding
Extras
None
Add-Ons
None
Ways to Save
10% multi-policy discount + 10% discount when paying annually + Up to $100 when you refer a friend
- Covers parasite treatments
- High $25,000 policy limit
- 20%+ in discounts available
- Only a condition limit for emergency boarding
-
Pets cannot be older than 5 years
-
Excess AND co-payment
Cove's Major Plan is by far their best pet insurance plan, and is actually one of our favourite full-coverage pet insurances in New Zealand.
Why? Because it has the highest policy limit available in New Zealand, it covers all expected claims but also parasite treatments, hereditary conditions and emergency boarding and because there's plenty of discounts to take advantage of if you pay annually not monthly and if you buy multiple insurances (pet or car) through Cove.
It's not all good though. Perhaps the most limiting thing about the Major Plan is that you can only take it out if your pet is between 8 weeks and 5 years old. There's not many pet insurances in New Zealand that are so restrictive in this respect. Another, is that you will have to pay a $1,000 excess and 10% co-payment for every claim. Essentially, that makes this plan worthless for smaller vet bills under $1,000 (if there even were such a thing).
Still, with one of the cheapest monthly premiums this all comes out in the wash and is a very affordable option. Another thing to note is that there's a relatively standard 21 day waiting period on illnesses and 6 month waiting period for cruciate ligament and patella luxation injuries.
The reason we also rate other plans like Southern Cross's Pet Care Plan and PD Insurance's Deluxe Plan high are because Southern Cross has more flexibility with monthly premiums and cover because you can choose your excess, policy limit and add-ons and because PD Insurance is more generous with no co-payment for similar, albeit slightly lesser, levels of cover.
Why? Because it has the highest policy limit available in New Zealand, it covers all expected claims but also parasite treatments, hereditary conditions and emergency boarding and because there's plenty of discounts to take advantage of if you pay annually not monthly and if you buy multiple insurances (pet or car) through Cove.
It's not all good though. Perhaps the most limiting thing about the Major Plan is that you can only take it out if your pet is between 8 weeks and 5 years old. There's not many pet insurances in New Zealand that are so restrictive in this respect. Another, is that you will have to pay a $1,000 excess and 10% co-payment for every claim. Essentially, that makes this plan worthless for smaller vet bills under $1,000 (if there even were such a thing).
Still, with one of the cheapest monthly premiums this all comes out in the wash and is a very affordable option. Another thing to note is that there's a relatively standard 21 day waiting period on illnesses and 6 month waiting period for cruciate ligament and patella luxation injuries.
The reason we also rate other plans like Southern Cross's Pet Care Plan and PD Insurance's Deluxe Plan high are because Southern Cross has more flexibility with monthly premiums and cover because you can choose your excess, policy limit and add-ons and because PD Insurance is more generous with no co-payment for similar, albeit slightly lesser, levels of cover.
What's Covered
Sign-up Bonus
Puppies & Kittens Get Up to $100 off for 3 Months
Eligibility
8 weeks to 5 years old
Average Monthly Cost
$47.78 (Dog), $20.10 (Cat)
Excess or Co-Payment
$0, $100, $250 or $500 excess and 20% co-payment
Annual Policy Limit
$25,000
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Alternative treatments
- Pre-existing conditions
- Breeding conditions
- Occupational treatments
- Overseas treatments
Stand Down Period
- 21 days for illness
- 6 months for cruciate ligament injury
- 6 months for intervertebral disc disease
Condition Limits
- $1,500 for emergency boarding
Extras
None
Add-Ons
Dental Cover ($100 excess, $500 annual limit, 6 month stand down period), Everyday Stuff Cover ($300 yearly limit, $100 limit per item, 6 month stand down period)
Ways to Save
10% multi-policy discount + 10% discount when paying annually + Up to $100 when you refer a friend
- Very high policy limit ($25,000)
- Options to add Dental/Everyday Cover
- Wide coverage including parasite and hereditary conditions
- Reasonable stand-down periods
-
Cover may change as pet ages
-
Low maximum age for new policies (5 years)
-
Low limits on add-ons
The combination of Cove's Major and Minor plans is their aptly named Major + Minor plan. Why it has this name is a bit unclear though because the plan has a lot more in common with the Major Plan than the Minor, accident-only, plan. In many ways, the Even More Major Plan would make more sense.
That's because the Major + Minor Plan covers all the same claims (Accidental injury, illness, hereditary conditions, parasite treatments, emergency boarding) as the Major Plan with the same stand down periods (21 days for illness, 6 months for cruciate ligament and intervertebral disc disease) and condition limits ($1,500 for emergency boarding).
The only real differences between this plan and the Major plan are the potentially higher costs at the vet (a variable excess and 20% co-payment instead of a fixed $1,000 excess and 10% co-payment) and the fact that you can add Dental and Everyday Stuff Cover. Although these have yearly limits of $500 and and $100 per condition respectively as well as a 6 month waiting period for both.
The other major thing is that the policy wording on Cove's insurances states that they may reduce cover for your pet as it gets older, which is certainly a bit worrying even if you can easily switch to a more comprehensive insurance like PD Insurance's Deluxe Plan at any time before your pet turns 9.
All of these extra conditions put Cove's Major + Minor Plan firmly in the top half of our ranking of NZ pet insurances.
That's because the Major + Minor Plan covers all the same claims (Accidental injury, illness, hereditary conditions, parasite treatments, emergency boarding) as the Major Plan with the same stand down periods (21 days for illness, 6 months for cruciate ligament and intervertebral disc disease) and condition limits ($1,500 for emergency boarding).
The only real differences between this plan and the Major plan are the potentially higher costs at the vet (a variable excess and 20% co-payment instead of a fixed $1,000 excess and 10% co-payment) and the fact that you can add Dental and Everyday Stuff Cover. Although these have yearly limits of $500 and and $100 per condition respectively as well as a 6 month waiting period for both.
The other major thing is that the policy wording on Cove's insurances states that they may reduce cover for your pet as it gets older, which is certainly a bit worrying even if you can easily switch to a more comprehensive insurance like PD Insurance's Deluxe Plan at any time before your pet turns 9.
All of these extra conditions put Cove's Major + Minor Plan firmly in the top half of our ranking of NZ pet insurances.
What's Covered
Sign-up Bonus
Puppies & Kittens Get 6 Weeks of Free Insurance Worth $2,000
Eligibility
8 weeks to 7 years old
Average Monthly Cost
$57.97 (Dog), $26.53 (Cat)
Excess or Co-Payment
$100, $250 or $500 excess and 10%, 20% or 30% co-payment
Annual Policy Limit
$2,500, $5,000, $10,000 or $15,000
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Vet consultations
- Alternative treatments
- Pre-existing conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days for illness cover
- 90 days for cruciate ligament injury
- 90 days for patella luxation
- 90 days for extra dental care
Condition Limits
- $2,500 or $5,000 for cruciate ligament
Extras
None
Add-Ons
Consult Care Extra ($1,000 per year for consultation fees and 20% co-payment), Day-To-Day Care ($75 limit per treatment and $300 limit per year), Dental Care ($300 per year and 20% co-payment)
Ways to Save
5% multi-pet discount + 2.5% Southern Cross Health Society member discount + 2.5% direct debit discount when paying annually
- Flexible cover (add dental, routine care and consultation fees)
- Flexible policy limits (only pay for the cover you want)
- Up to 10% in discounts for eligible customers
- Flexible excess and co-payment options
-
Doesn't cover third party liability
-
Somewhat low $15,000 maximum policy limit
Southern Cross's most comprehensive pet insurance policy is their PetCare Plan. It covers both accidental injury and illness and includes cover for hereditary conditions. There is, however, no cover for consultation fees, routine care, alternative treatments, or dental cover, but you can add all of these as add-ons to your policy.
This may seem less desirable than having a full coverage plan but ultimately it gives you the flexibility to choose the cover that you want. Additionally, you can set your own policy limit of either $2,500, $5,000, $10,000 or $15,000 - which is pretty unique and much appreciated if you want to save on monthly premiums by covering only smaller vet bills.
Like Southern Cross's accident-only AcciPet Plan, their PetCare Plan also has a flexible excesses of $100, $250 or $500 and 10%, 20% or 30% co-payment options. This policy also excels because it has no condition limits (except for cruciate ligament injuries).
Overall, our experts agree that Southern Cross's PetCare plan is one of the best pet insurances in New Zealand because it is a flexible insurance policy covering both accidents, illness and even more if you choose the add-ons.
You may want to pick another pet insurance if you want a higher policy limit - like PD Insurance's Deluxe Plan ($20,000 policy limit) or SPCA's Big Stuff Cover ($25,000 policy limit). PD insurance also covers third party liability (when your pet injures someone or damages something) while Southern Cross's PetCare plan doesn't.
It is also important to note that this policy can only be taken out if your pet is between 8 weeks and 6 years old. PD Pet Insurance offers a similar policy for pets up to 9 years old.
This may seem less desirable than having a full coverage plan but ultimately it gives you the flexibility to choose the cover that you want. Additionally, you can set your own policy limit of either $2,500, $5,000, $10,000 or $15,000 - which is pretty unique and much appreciated if you want to save on monthly premiums by covering only smaller vet bills.
Like Southern Cross's accident-only AcciPet Plan, their PetCare Plan also has a flexible excesses of $100, $250 or $500 and 10%, 20% or 30% co-payment options. This policy also excels because it has no condition limits (except for cruciate ligament injuries).
Overall, our experts agree that Southern Cross's PetCare plan is one of the best pet insurances in New Zealand because it is a flexible insurance policy covering both accidents, illness and even more if you choose the add-ons.
You may want to pick another pet insurance if you want a higher policy limit - like PD Insurance's Deluxe Plan ($20,000 policy limit) or SPCA's Big Stuff Cover ($25,000 policy limit). PD insurance also covers third party liability (when your pet injures someone or damages something) while Southern Cross's PetCare plan doesn't.
It is also important to note that this policy can only be taken out if your pet is between 8 weeks and 6 years old. PD Pet Insurance offers a similar policy for pets up to 9 years old.
What's Covered
Sign-up Bonus
Buy Online, Get 1 Month Free
Eligibility
6 weeks to 9 years old
Average Monthly Cost
$62.41 (Dog), $36.43 (Cat)
Excess or Co-Payment
$100, $150 or $200 excess
Annual Policy Limit
$10,000
What's Not Covered
- Dental
- Routine care
- Vaccinations
- Alternative treatments
- Pre-existing conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days for accidental ingestion
- 21 days for poisoning
- 21 days for illness
- 180 days for third party liability
- 180 days cruciate ligament injury
- 180 days for patella luxation
Condition Limits
- $200 per visit for vet consultations
- $2,000 for cruciate ligament
- $2,000 for patella luxation
- $2,000 for accidental ingestion
- $2,300 for hereditary conditions
- $5,000 per claim limit
- $10,000 for third party liability
Extras
None
Add-Ons
None
Ways to Save
5% multi-pet discount + $150 per pet when switching to PD Insurance
- Covers illness, accident & liability
- Flexibility to chose premiums and excess amount
- Fast claims processing
- Mid-level plan that won't break the bank
-
No routine or dental care covered
-
At least $100 excess for every claim
PD insurance's Classic Plan is a solid choice for those wanting the peace of mind of having illness, accident, and third party liability insurance cover while still having affordable monthly premiums. Extra illness cover also comes with a higher policy limit ($10,000) than most accident-only plans in New Zealand ($5,000) meaning a bigger safety net if you find yourself with multiple or reoccurring vet bills.
Notably the Classic Plan doesn't cover dental illness and falls short of competitors like Southern Cross in that it provides no optional cover for routine care and day-to-day treatments like vaccinations. It also has some restrictive but not obscene claim/condition limits for certain conditions.
It does however only have an excess of between $100 and $200 (decided by you) while Southern Cross's PetCare Plan also has a co-payment. Other things to note are that you get $150 towards fees when switching to any PD Insurance plan as well as one free month of insurance when buying online. The industry standard 5% multi pet discount is also available on all PD plans.
And finally because PD insurance has a longer than average stand down period you'll have to be insured for 21 days before making claims for illness and accidental ingestion and 180 days for third party liability and patella/cruciate ligament injuries. Southern Cross, on the other hand, has no stand down period on accidents and only 90 days for patella/cruciate ligament injuries with their PetCare Plan.
Notably the Classic Plan doesn't cover dental illness and falls short of competitors like Southern Cross in that it provides no optional cover for routine care and day-to-day treatments like vaccinations. It also has some restrictive but not obscene claim/condition limits for certain conditions.
It does however only have an excess of between $100 and $200 (decided by you) while Southern Cross's PetCare Plan also has a co-payment. Other things to note are that you get $150 towards fees when switching to any PD Insurance plan as well as one free month of insurance when buying online. The industry standard 5% multi pet discount is also available on all PD plans.
And finally because PD insurance has a longer than average stand down period you'll have to be insured for 21 days before making claims for illness and accidental ingestion and 180 days for third party liability and patella/cruciate ligament injuries. Southern Cross, on the other hand, has no stand down period on accidents and only 90 days for patella/cruciate ligament injuries with their PetCare Plan.
What's Covered
Sign-up Bonus
Puppies & Kittens Get 6 Weeks of Free Insurance Worth $2,000
Eligibility
8 weeks old
Average Monthly Cost
$13.85 (Dog), $6.76 (Cat)
Excess or Co-Payment
$100, $200 or $500 excess and 10%, 20% or 30% co-payment
Annual Policy Limit
$5,000
What's Not Covered
- Illness
- Third party liability
- Dental
- Routine care
- Vaccinations
- Vet consultations
- Alternative treatments
- Pre-existing conditions
- Hereditary conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 90 days for cruciate ligament injury
- 90 days for patella luxation
Condition Limits
- $2,500 for cruciate ligament
Extras
None
Add-Ons
Consult Care Extra ($1,000 per year for consultation fees and 20% co-payment)
Ways to Save
5% multi-pet discount + 2.5% Southern Cross Health Society member discount + 2.5% direct debit discount when paying annually
- No upper age limit
- Flexible excess and co-payment
- No claim limit (except cruciate ligament injuries)
- Up to 10% in discounts for eligible customers
-
Doesn't cover third party liability
-
Doesn't cover illness, dental or routine care
Southern Cross Pet Insurance's AcciPet Plan is one of the best options for families looking for full accident coverage only. With an accident-only plan you won't get help for the smaller stuff like vaccinations and check ups, or for illnesses like cancer or skin conditions, but if you're facing one or more vet bills after an accidental injury you will be covered.
This policy has a flexible excess ($100 to $500) and co-payment (10% to 30%) and it covers up to $5,000 of vet bills per year. A $5,000 policy limit is standard for an accident-only pet insurance plan in New Zealand but this plan stands out as most other plans have a fixed excess and/or co-payment meaning you can't chose how much you want to pay in monthly premiums or when you have to make a claim. When you select the maximum excess and co-payment, this plan is also the cheapest pet insurance in New Zealand.
We've also picked Southern Cross's AcciPet Plan as one of the best accident only pet insurance options because puppies and kittens get a generous 6 weeks of free insurance when signing up and because it has an optional Consult Care Extra option giving you up to $1,000 with a 20% co-pay for regular, emergency and specialist vet consultation fees and alternative treatments.
Alternative plans to consider include Southern Cross Pet Insurance's PetCare Plan which is structured similarly but also covers illness, hereditary conditions, and has options for dental cover and routine care. Or PD Insurance's Accident Plan (our favourite accident-only pet insurance) which has a similar excess of $100 to $200, no co-payment but also covers third party liability (if your pet causes damage to property, or injury to other pets or people) and is cheaper when a similar co-payment/excess is selected.
This policy has a flexible excess ($100 to $500) and co-payment (10% to 30%) and it covers up to $5,000 of vet bills per year. A $5,000 policy limit is standard for an accident-only pet insurance plan in New Zealand but this plan stands out as most other plans have a fixed excess and/or co-payment meaning you can't chose how much you want to pay in monthly premiums or when you have to make a claim. When you select the maximum excess and co-payment, this plan is also the cheapest pet insurance in New Zealand.
We've also picked Southern Cross's AcciPet Plan as one of the best accident only pet insurance options because puppies and kittens get a generous 6 weeks of free insurance when signing up and because it has an optional Consult Care Extra option giving you up to $1,000 with a 20% co-pay for regular, emergency and specialist vet consultation fees and alternative treatments.
Alternative plans to consider include Southern Cross Pet Insurance's PetCare Plan which is structured similarly but also covers illness, hereditary conditions, and has options for dental cover and routine care. Or PD Insurance's Accident Plan (our favourite accident-only pet insurance) which has a similar excess of $100 to $200, no co-payment but also covers third party liability (if your pet causes damage to property, or injury to other pets or people) and is cheaper when a similar co-payment/excess is selected.
What's Covered
Sign-up Bonus
5% Discount for AA Members
Eligibility
8 weeks to 9 years old
Average Monthly Cost
$43.94 (Dog), $23.29 (Cat)
Excess or Co-Payment
$0, $100, $250, or $500 excess (per condition) and 20% co-payment
Annual Policy Limit
$5,000, $10,000 or $15,000
What's Not Covered
- Third party liability
- Routine care
- Vaccinations
- Alternative treatments
- Breeding conditions
- Occupational treatments
Stand Down Period
- 14 days for illness
- 6 months for cruciate ligament injury
- 6 months for dental
Condition Limits
- $300 for vet consultations
- $600 for dental illnesses
- $1,500 for emergency boarding
- $3,200 for cruciate ligament conditions
- $4,000 for intervertebral disc disease
Extras
Pre-existing conditions can be waived after 18 months with no symptoms, Free VetChat membership for online consultations
Add-Ons
Paw Care Package ($100 per year towards routine care, vaccinations, preventative care, and burial/cremation)
Ways to Save
5% discount for AA members
- Covers many claim types
- Flexible excess/policy limit
- Maximum age for new policies is 9 years
- Routine care add-on
-
Several condition limits
-
No multi-pet discount
The most comprehensive pet insurance plan in New Zealand is AA Pet Insurance's only pet insurance plan. It covers accidents and injuries but unlike most other pet insurance policies it also covers dental illnesses, hereditary conditions, parasite treatments, emergency boarding, and overseas treatments in Australia and Norfolk Island.
New policies can be taken out for puppies and kittens aged 8 weeks until your pet's 9th birthday and with flexible policy limits and excesses as well as a routine care add-on this plan is really designed for all types of pets/owners.
A smaller downside of the plan is that the maximum policy limit is only $15,000, which is not ideal if you're trying to cover yourself for one or more very sizable vet bills. A bigger downside is that AA also has a 20% co-payment which when combined with the excess you have to pay still means you'll be liable to pay a decent-sized portion of your pet's treatment costs. But the biggest downside is almost certainly the condition limits on this policy ranging from $300 for consultation fees and $600 for dental illnesses to $3,200 for cruciate ligament conditions and $4,000 for intervertebral disc disease.
Still, with wide ranging cover, a free VetChat membership for online consultations and even the ability to waive the pre-existing condition exclusion if your pet is 18 months symptom free, this is a plan many Kiwis chose. Especially considering the competitive pricing of their monthly premiums. For a higher policy limit consider Cove's Major Plan or SPCA's Big Stuff Cover otherwise PD Insurance's Deluxe Plan has decent condition limits and no co-payment.
New policies can be taken out for puppies and kittens aged 8 weeks until your pet's 9th birthday and with flexible policy limits and excesses as well as a routine care add-on this plan is really designed for all types of pets/owners.
A smaller downside of the plan is that the maximum policy limit is only $15,000, which is not ideal if you're trying to cover yourself for one or more very sizable vet bills. A bigger downside is that AA also has a 20% co-payment which when combined with the excess you have to pay still means you'll be liable to pay a decent-sized portion of your pet's treatment costs. But the biggest downside is almost certainly the condition limits on this policy ranging from $300 for consultation fees and $600 for dental illnesses to $3,200 for cruciate ligament conditions and $4,000 for intervertebral disc disease.
Still, with wide ranging cover, a free VetChat membership for online consultations and even the ability to waive the pre-existing condition exclusion if your pet is 18 months symptom free, this is a plan many Kiwis chose. Especially considering the competitive pricing of their monthly premiums. For a higher policy limit consider Cove's Major Plan or SPCA's Big Stuff Cover otherwise PD Insurance's Deluxe Plan has decent condition limits and no co-payment.
What's Covered
Sign-up Bonus
10% Multi-Pet Discount
Eligibility
8 weeks old
Average Monthly Cost
$57.56 (Dog), $29.55 (Cat)
Excess or Co-Payment
$1,000 excess per claim and 20% co-payment
Annual Policy Limit
$25,000
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Alternative treatments
- Hereditary conditions
- Breeding conditions
- Occupational treatments
Stand Down Period
- 21 days for illness
- 6 months for cruciate ligament injury (waived with a vet's note)
Condition Limits
- $1,500 for emergency boarding
Extras
Pre-existing conditions waived with a vet's note
Add-Ons
None
Ways to Save
10% multi-pet discount
- Very high policy limit ($25,000)
- Pre-existing conditions waived with vet's note
- No condition limits (except for emergency boarding)
- Policy holders support work of SPCA
-
$1,000 deductible AND 20% co-payment
-
Not suitable for smaller bills
Southern Cross Pet Insurance's Big Stuff Cover Plan is one of the better comprehensive pet insurance policies in New Zealand, especially for big vet bills. It's structured in basically the same was as their The Works Cover, but with a couple of key differences.
The most notable is the removal of all condition limits (except the $1,500 limit for emergency boarding claims). The other big one is that as well as a 20% co-payment, this plan now includes a $1,000 excess per claim. That means that you have to pay for the first $1,000 of each vet bill yourself, essentially making this plan only suitable for mid-size and major vet bills. Your monthly premiums are also reduced to reflect this cost which also makes the plan somewhat more affordable (average $57.56 vs $95.00 for The Works Cover)
Still, with a $25,000 policy limit for all injury, illness, parasite, overseas treatments (in Australia and Norfolk Island) and even pre-existing conditions (when waived with a vet's note) this policy is suitable for owners who want to ensure a comprehensive and high level of cover should any bigger vet bills arise.
The Big Stuff Cover Plan doesn't get a higher rating from us because it excludes dental, third party liability and routine care among other things. And because of the deductible and co-payment this policy won't help that much with your smaller vet bills. A better option is Cove's Major Plan which covers the same conditions (except overseas treatments) but only has a 10% co-payment and $1,000 excess plus up to 20% in discounts when you take out multiple policies and pay annually.
The most notable is the removal of all condition limits (except the $1,500 limit for emergency boarding claims). The other big one is that as well as a 20% co-payment, this plan now includes a $1,000 excess per claim. That means that you have to pay for the first $1,000 of each vet bill yourself, essentially making this plan only suitable for mid-size and major vet bills. Your monthly premiums are also reduced to reflect this cost which also makes the plan somewhat more affordable (average $57.56 vs $95.00 for The Works Cover)
Still, with a $25,000 policy limit for all injury, illness, parasite, overseas treatments (in Australia and Norfolk Island) and even pre-existing conditions (when waived with a vet's note) this policy is suitable for owners who want to ensure a comprehensive and high level of cover should any bigger vet bills arise.
The Big Stuff Cover Plan doesn't get a higher rating from us because it excludes dental, third party liability and routine care among other things. And because of the deductible and co-payment this policy won't help that much with your smaller vet bills. A better option is Cove's Major Plan which covers the same conditions (except overseas treatments) but only has a 10% co-payment and $1,000 excess plus up to 20% in discounts when you take out multiple policies and pay annually.
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*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.
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 Plans for Rabbits Compared
What's Covered
Eligibility
6 weeks old
Average Monthly Cost
$22.64
Excess or Co-Payment
20% co-payment
Annual Policy Limit
$1,500
What's Not Covered
- Third party liability
- Dental
- Routine care
- Vaccinations
- Pre-existing conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 7 days for accidental injury
- 21 days for medical treatments
Condition Limits
- 40% co-payment for specialist treatments
Extras
None
Add-Ons
None
Ways to Save
None
- Cheapest rabbit insurance in New Zealand
- Fully covers alternative treatments
- Covers hereditary conditions after 3 years
- No hidden conditions or limits
-
Relatively low policy limit
-
40% co-payment for specialist treatments
We think Petnsur's Gold Plan is the best pet insurance for rabbits in New Zealand because it is simple, has good cover and no hidden conditions.
It's certainly a shame that the 20% co-payment is non-negotiable but with a $1,500 policy limit, you'll probably end paying around what you would with Petcover's plans that have a $125 or $225 excess.
Otherwise, we're happy to see alternative treatments and hereditary conditions covered along with surgeries and specialist treatments, even if the co-payment on specialist treatments is 40% and hereditary conditions are only covered after 3 years.
All in all, with the lowest monthly cost, no upper age limit and no hidden condition limits this plan is ideal for most rabbit owners, with the exception of those wanting a bigger annual policy limit.
It's certainly a shame that the 20% co-payment is non-negotiable but with a $1,500 policy limit, you'll probably end paying around what you would with Petcover's plans that have a $125 or $225 excess.
Otherwise, we're happy to see alternative treatments and hereditary conditions covered along with surgeries and specialist treatments, even if the co-payment on specialist treatments is 40% and hereditary conditions are only covered after 3 years.
All in all, with the lowest monthly cost, no upper age limit and no hidden condition limits this plan is ideal for most rabbit owners, with the exception of those wanting a bigger annual policy limit.
What's Covered
Eligibility
8 weeks to 5 years old
Average Monthly Cost
$28.63
Excess or Co-Payment
$125 or $225 excess
Annual Policy Limit
$4,000
What's Not Covered
- Routine care
- Vaccinations
- Pre-existing conditions
- Hereditary conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days
Condition Limits
- $400 limit + 10% co-payment for alternative treatments
- 30% co-payment for specialist treatments
- 50% co-payment for diagnostic examinations
- $1,000,000 + $500 excess for third party liability
Extras
$500 for advertising/reward ($75 excess), Up to the purchase price of the rabbit + 10% excess for loss from theft, fire or weather
Add-Ons
None
Ways to Save
10% Multi-Pet Discount (3+ Pets)
- No co-payment on many conditions
- Large third party liability limit
- Covers dental illnesses
-
Hidden co-payments on certain conditions
-
Must take your rabbit for annual check-ups
-
Co-payments can increase after your rabbit turns five
Petcover's Plus Plan for rabbits is a great option if you're looking for a more comprehensive rabbit insurance with a higher policy limit.
Importantly, this plan covers dental and third party liability as well providing compensation for advertising/reward and loss of your rabbit. Do note though that despite having more cover, there are some condition limits that reduce your cover for alternative treatments, specialist treatments, and diagnostics.
Costing just $28.63 a month on average and with a more appealing excess of $125 or $225 compared to Petnsur's Gold Plan, Petcover's Plus Plan is still worth considering and provides slightly better value than Petcover's cheaper, but almost identical Value Plan.
Importantly, this plan covers dental and third party liability as well providing compensation for advertising/reward and loss of your rabbit. Do note though that despite having more cover, there are some condition limits that reduce your cover for alternative treatments, specialist treatments, and diagnostics.
Costing just $28.63 a month on average and with a more appealing excess of $125 or $225 compared to Petnsur's Gold Plan, Petcover's Plus Plan is still worth considering and provides slightly better value than Petcover's cheaper, but almost identical Value Plan.
What's Covered
Eligibility
8 weeks to 5 years old
Average Monthly Cost
$23.46
Excess or Co-Payment
$125 or $225 excess
Annual Policy Limit
$2,000
What's Not Covered
- Routine care
- Vaccinations
- Pre-existing conditions
- Hereditary conditions
- Breeding conditions
- Parasite treatments
- Occupational treatments
- Emergency boarding
- Overseas treatments
Stand Down Period
- 21 days
Condition Limits
- $300 limit + 10% co-payment for alternative treatments
- 30% co-payment for specialist treatments
- 50% co-payment for diagnostic examinations
- $1,000,000 + $500 excess for third party liability
Extras
$500 for advertising/reward ($75 excess), Up to the purchase price of the rabbit + 10% excess for loss from theft, fire or weather
Add-Ons
None
Ways to Save
10% Multi-Pet Discount (3+ Pets)
- No co-payment on many conditions
- Large third party liability limit
- Covers dental illnesses
-
Hidden co-payments on certain conditions
-
Must take your rabbit for annual check-ups
-
Co-payments can increase after your rabbit turns five
Petcover's Value Plan is a less comprehensive version of their Plus Plan with a slightly lower average monthly cost ($23.46 compared to $28.63) owing mainly to its $2,000 policy limit as opposed to the Plus Plan's $4,000 policy limit.
Otherwise, this plan is basically the same, except you get $100 less for alternative treatments each year ($300 compared to $400).
While we don't recommend this plan because there is more value with the Plus Plan's $4,000 policy limit and fewer hidden limits with Petnsur's Gold Plan, this plan still may suit you if you want cover for dental and third party liability but are on a tighter budget.
Otherwise, this plan is basically the same, except you get $100 less for alternative treatments each year ($300 compared to $400).
While we don't recommend this plan because there is more value with the Plus Plan's $4,000 policy limit and fewer hidden limits with Petnsur's Gold Plan, this plan still may suit you if you want cover for dental and third party liability but are on a tighter budget.
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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:
The following multi-pet insurance discounts are available in New Zealand:
- Cove Pet Insurance - 10% multi-policy discount
- SPCA Pet Insurance - 10% multi-pet discount
- Petcover - 10% multi-pet discount (3+ pets)
- PD Insurance - 5% multi-pet discount
- Southern Cross Pet Insurance - 5% multi-pet discount
- Tower Pet Insurance - 5% multi-pet discount
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.
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
| Plan | Average Monthly Cost (Dog) | Average Monthly Cost (Cat) | Excess | Co-Payment | Policy Limit |
|---|---|---|---|---|---|
| AA Pet Insurance Accidental Injuries + Illness | $43.94 | $23.29 | $500 | 20% | $15,000 |
| Cove Pet Insurance Accident Only Plan | $15.93 | $10.35 | $500 | 10% | $5,000 |
| Cove Pet Insurance Major Plan | $39.33 | $16.55 | $1,000 | 10% | $25,000 |
| Cove Pet Insurance Major + Minor Plan | $47.78 | $20.10 | $500 | 20% | $25,000 |
| PD Insurance Accident Plan | $18.97 | $10.85 | $200 | None | $5,000 |
| PD Insurance Classic Plan | $62.41 | $36.43 | $200 | None | $10,000 |
| PD Insurance Deluxe Plan | $83.27 | $51.48 | $200 | None | $20,000 |
| Petcover Safety-net Plan (Economy) | $51.45 | $25.44 | $150 | 20% | $7,000 for some accidental injuries |
| Petcover Safety-net Plan (Catastrophe 1 / Catastrophe 2) | $45.45 / $54.08 | $21.75 / $26.23 | $900 | 20% | $5,000 / $10,000 |
| Petcover Mid-range Plan (Core / Vital / Key) | $34.15 / $38.52 / $53.34 | $19.24 / $22.32 / $28.32 | $200 | 30% | $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 | $150 | 20% | $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 / $22.64 | None | 10% | $1,500 / $3,000 for surgical treatments |
| Petnsur Rhodium Plan | $79.92 | $43.19 | None | $300 | $6,000 |
| Petnsur Silver / Gold / Platinum Plans | $55.73 / $72.64 / $101.01 | $38.00 / $47.19 / $74.64 | None | 30% / 25% / 20% | $4,000 / $6,000 / $9,000 |
| Petnsur Titanium Plan | $159.01 | $68.10 | None | 20% | $18,000 |
| Southern Cross Pet Insurance AcciPet Plan | $13.85 | $6.76 | $500 | 30% | $5,000 |
| Southern Cross Pet Insurance PetCare Plan | $57.97 | $26.53 | $500 | 30% | $15,000 |
| SPCA Pet Insurance Everyday Cover | $78.19 | $37.93 | None | 30% | $11,000, $2,000 per condition |
| SPCA Pet Insurance The Works Cover | $95.00 | $46.23 | None | 20% | $20,000 |
| SPCA Pet Insurance Big Stuff Cover | $57.56 | $29.55 | $1,000 | 20% | $25,000 |
| Tower Pet Insurance Accident Only Plan | $23.53 | $13.85 | None | 20% | $5,000, $2,000 for non-life threatening injuries |
| Tower Pet Insurance Essential Plan | $56.49 | $33.22 | None | 20% | $7,000, $2,000 for non-life threatening injuries |
| Tower Pet Insurance Comprehensive Plan | $67.23 | $39.54 | None | 20% | $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:
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.
Below we break down all NZ pet insurance plans, and highlight the best ones, for the following different coverage options.
- Comprehensive Pet Insurance Policies
- Accident-only Pet Insurance Policies
- Pet Insurance That Covers Pre-existing Conditions
- Pet Insurance That Covers Dental
- Pet Insurance With No Waiting Period
- Pet Liability Insurance (for renters)
- Pet Insurance That Covers Desexing (spaying/neutering)
- Pet Insurance That Covers Vaccinations
- Pet Insurance That Covers Travel (overseas treatments)
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:
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:
| Plan | What's Covered | Policy Limit |
|---|---|---|
| AA Pet Insurance Accidental Injuries + Illness | Accidental 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 Plan | Accidental Injury, Illness, Vet Consultations, Hereditary Conditions, Parasite Treatments, Emergency Boarding | $25,000 |
| Cove Pet Insurance Major + Minor Plan | Accidental Injury, Illness, Vet Consultations, Hereditary Conditions, Parasite Treatments, Emergency Boarding | $25,000 |
| PD Insurance Classic Plan | Accidental Injury, Illness, Third Party Liability, Vet Consultations, Hereditary Conditions | $10,000 |
| PD Insurance Deluxe Plan | Accidental 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 Plans | Accidental Injury, Illness, Hereditary Conditions | $1,500 / $3,000 for surgical treatments |
| Petnsur Rhodium Plan | Accidental Injury, Illness, Vet Consultations, Alternative Treatments, Hereditary Conditions | $6,000 |
| Petnsur Silver / Gold / Platinum Plans | Accidental Injury, Illness, Hereditary Conditions, Vaccinations, Vet Consultations, Alternative Treatments, Emergency Boarding | $4,000 / $6,000 / $9,000 |
| Petnsur Titanium Plan | Accidental Injury, Illness, Third Party Liability, Vet Consultations, Alternative Treatments, Hereditary Conditions | $18,000 |
| Southern Cross Pet Insurance PetCare Plan | Accidental Injury, Illness, Hereditary Conditions | $2,500 to $15,000 |
| SPCA Pet Insurance Everyday Cover | Accidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment | $11,000, $2,000 per condition |
| SPCA Pet Insurance The Works Cover | Accidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment | $20,000 |
| SPCA Pet Insurance Big Stuff Cover | Accidental Injury, Illness, Vet Consultations, Pre-Existing Conditions, Parasite Treatments, Emergency Boarding, Overseas Treatment | $25,000 |
| Tower Pet Insurance Essential Plan | Accidental Injury, Illness, Vet Consultations, Alternative Treatments, Emergency Boarding | $7,000, $2,000 for non-life threatening injuries |
| Tower Pet Insurance Comprehensive Plan | Accidental 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.
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.
| Plan | What's Covered | Policy Limit |
|---|---|---|
| Cove Pet Insurance Accident Only Plan | Accidental Injury, Vet Consultations, Emergency Boarding | $5,000 |
| PD Insurance Accident Plan | Accidental Injury, Third Party Liability, Vet Consultations | $5,000 |
| Southern Cross Pet Insurance AcciPet Plan | Accidental Injury | $5,000 |
| Tower Pet Insurance Accident Only Plan | Accidental 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.
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.
| Plan | Maximum Age | Excess / Co-payment | Annual Cover Limit |
|---|---|---|---|
| AA Pet Insurance Accidental Injuries + Illness Plan | 9 years old | $0, $100, $250 or $500 excess / 20% co-payment | $5,000, $10,000 or $15,000 |
| SPCA Pet Insurance Everyday Cover Plan | None | 30% co-payment | $11,000, $2,000 per condition |
| SPCA Pet Insurance The Works Cover Plan | 9 years old | 20% co-payment | $20,000 |
| SPCA Pet Insurance Big Stuff Cover Plan | None | $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.
*Pet insurance plans where dental cover is only available as an add-on
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.
| Plan | Limit | Stand Down Period |
|---|---|---|
| AA Pet Insurance Accidental Injuries + Illness Plan | $600 | 6 months |
| PD Insurance Deluxe Plan | $500 | 180 days |
| Cove Pet Insurance Major + Minor Plan* | $500 | None |
| Southern Cross Pet Insurance PetCare Plan* | $300 | 90 days |
| Tower Pet Insurance Essential Plan* | $350 | 90 days |
| Tower Pet Insurance Comprehensive Plan* | $350 | 90 days |
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.
*Can be waived with a vet's note
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.
| Plan | Waiting Periods |
|---|---|
| AA Pet Insurance Accidental Injuries + Illness | 14 days for Illness 6 months for Dental 6 months for Cruciate Ligament |
| Cove Pet Insurance Accident Only Plan | 6 months for Cruciate Ligament 6 months for Intervertebral Disc Disease |
| Cove Pet Insurance Major Plan | 21 days for Illness 6 months for Cruciate Ligament 6 months for Intervertebral Disc Disease |
| Cove Pet Insurance Major + Minor Plan | 21 days for Illness 6 months for Cruciate Ligament 6 months for Intervertebral Disc Disease |
| PD Insurance Accident Plan | 180 days for Third Party Liability 180 days for Cruciate Ligament 180 days for Patella Luxation |
| PD Insurance Classic Plan | 21 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 Plan | 21 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 Plans | 7 days for Accidental Injury 21 days for Illness |
| Petnsur Rhodium Plan | 7 days for Accidental Injury 21 days for Illness |
| Petnsu Silver / Gold / Platinum Plans | 7 days for Accidental Injury 21 days for Illness |
| Petnsur Titanium Plan | 7 days for Accidental Injury 21 days for Illness |
| Southern Cross Pet Insurance AcciPet Plan | 90 days for Cruciate Ligament 90 days for Patella Luxation |
| Southern Cross Pet Insurance PetCare Plan | 21 days for Illness 90 days for Dental 90 days for Cruciate Ligament 90 days for Patella Luxation |
| SPCA Pet Insurance Everyday Cover | 21 days for Illness 6 months for Cruciate Ligament* |
| SPCA Pet Insurance The Works Cover | 21 days for Illness 6 months for Cruciate Ligament* |
| SPCA Pet Insurance Big Stuff Cover | 21 days for Illness 6 months for Cruciate Ligament* |
| Tower Pet Insurance Accident Only Plan | None |
| Tower Pet Insurance Essential Plan | 14 days for Illness 90 days for Dental |
| Tower Pet Insurance Comprehensive Plan | 14 days for Illness 90 days for Dental |
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.
*Optional add-on
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.
| Plan | Limit | Stand Down Period |
|---|---|---|
| PD Insurance Accident Plan | $10,000 | 180 Days |
| PD Insurance Classic Plan | $10,000 | 180 Days |
| PD Insurance Deluxe Plan | $10,000 | 180 Days |
| Petcover Safety-net Plan (Economy) | $1,000,000 | None |
| Petcover Safety-net Plan (Catastrophe 1 / Catastrophe 2)* | $1,000,000 | None |
| Petcover Mid-range Plan (Core / Vital / Key) | $1,000,000 | None |
| Petcover Superior Plan (Entry / Mid-point / Superior) | $3,000,000 / $3,000,000 / $5,000,000 | None |
| Petnsur Titanium Plan | $13,000 | None |
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).
*Optional add-on
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).
| Plan | Limit |
|---|---|
| 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 |
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).
*Optional add-on
AA has the best pet insurance plan for vaccinations with the highest annual limit ($100).
| Plan | Limit |
|---|---|
| AA Pet Insurance Accidental Injuries + Illness* | $100 |
| Petcover Mid-range Plan (Core / Vital / Key)* | $30 |
| Southern Cross Pet Insurance PetCare Plan* | $75 |
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.
Of the companies we review, there are no other NZ pet travel insurance options for trips outside of Australia or the Norfolk Islands.
| Plan | Limit |
|---|---|
| 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.
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:
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.
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.
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.
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:
Here are the steps to buying pet insurance online:
- Select one of the links on this page to visit a NZ pet insurance company
- Request a quote on the pet insurance website and add some info about you and your pet
- Compare the policies offered, their add-ons and conditions
- Select a plan, add your payment information and submit!
About the Authors
Mason
Editor
Mason was born and raised in New Zealand before moving to US and then Sweden. Despite looking so youthful, he worked as a senior website manager for 5 years before founding Comparesies. Mason's expertise in insurance is the most valuable asset for our users. Today he is the primary author/editor on Comparesies.
Louis
Author
Louis has worked in the comparison industry for 5 years in Sweden after founding another company in France. His industry experience, and strong communication skills have been invaluable in building the bridge between our community and our content. Louis is our ideas man and is responsible for sourcing user and specialist opinions.
Thibault
Editor
Thibault has an engineering background from both France and Sweden. Comparesies is his second company after successfully founding a tech scaleup. His experience is vast within insurances and customer satisfaction. Thibault is responsible for maintaining the website and sharing his knowledge through page editing.