Vet bills you can say yes to
Pet Insurance in New Zealand
Accident and illness cover for dogs and cats, so treatment decisions are made by the vet and not by your bank balance.
Accident and illness
From swallowed socks to cruciate surgery and long-term medication.
Choose your vet
Use your own clinic; some insurers pay the vet directly at the counter.
Cover early
Enrolling a young, healthy pet avoids most pre-existing condition exclusions later.
The detail
What pet insurance covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Consultations, diagnostics and imaging
- Surgery and hospitalisation
- Prescription medication for covered conditions
- Emergency and after-hours treatment
- Third party liability for dogs (selected policies)
Worth adding
- Routine care and vaccinations
- Dental illness cover
- Alternative therapies
- Cover for overseas travel with your pet
Commonly excluded
- Pre-existing conditions
- Elective procedures and desexing
- Breeding and pregnancy
- Conditions arising in the waiting period
Questions
Pet Insurance FAQs
Ready for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.