# Behavioural conditions + anxiety — clause matrix across NZ pet insurers > Separation anxiety, noise phobia, aggression, compulsive disorders. Veterinary-behaviourist consultations + behaviour-modifying medication can run to thousands. Cover for this is shifting fast in the NZ market. **Why it matters:** Historically excluded; some insurers now cover with separate sub-limits + credentialing requirements. Matters for rescue dogs + post-pandemic puppies. **Vertical:** pet · **Condition:** behavioural-conditions · **Species:** both · **Snapshot:** 2026-05-18T08:27:31.134Z **Source:** Each product's policy wording PDF (linked per row). License: CC BY 4.0 — attribute https://petinsurancecomparison.co.nz. --- ## AA Pet Insurance — AA Pet Insurance Policy **Wording version:** 2025-04-05 · **Confidence:** verified · **Key:** `behavioural_cover` > Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded under Section 4 – General Exclusions. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/aa-pet/pet-policy/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/aa-pet/pet-policy/wording.md - Source PDF: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/pet-insurance/documents/AAPetInsurancePolicyDocument.pdf --- ## Cove Pet Insurance — Cove Pet Insurance **Wording version:** 2026-05-18 · **Confidence:** verified · **Key:** `behavioural_cover` > Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/cove-pet/pet-insurance/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/cove-pet/pet-insurance/wording.md - Source PDF: https://www.coveinsurance.co.nz/wp-content/uploads/2022/05/Pet-Insurance-Policy-CovePet012022.pdf --- ## Petcover (Petplan NZ) — Petcover Catastrophe Plan **Wording version:** 2026-05-17 · **Confidence:** verified · **Key:** `behavioural_cover` > Not explicitly covered or described as a named benefit. 'Condition' is defined to include 'deviant behaviour'. No specific behavioural cover sublimit or veterinary behaviourist requirement is stated. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/petcover/catastrophe/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/petcover/catastrophe/wording.md - Source PDF: https://www.petcovergroup.com/nz/wp-content/uploads/sites/18/2022/12/PCNZ-PDS_SOV-SN_Catastrophe-v14112022.pdf --- ## Southern Cross Pet Insurance — AcciPet (Accident-only) **Wording version:** 2023-12-01 · **Confidence:** verified · **Key:** `behavioural_cover` > We don't cover any behavioural or psychological conditions, which are things like anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as products or medications, training, socialisation, behavioural therapy, psychological therapy. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/accipet/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/accipet/wording.md - Source PDF: https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/AcciPet-Policy-Doc.pdf --- ## Southern Cross Pet Insurance — FreeCover (Trial) **Wording version:** 2025-09-01 · **Confidence:** verified · **Key:** `behavioural_cover` > We don't cover any behavioural or psychological conditions, which are things like: anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as: products or medications, training, socialisation, behavioural therapy, psychological therapy. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/freecover/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/freecover/wording.md - Source PDF: https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/freecover-policy-Doc.pdf --- ## Southern Cross Pet Insurance — PetCare (Comprehensive) **Wording version:** 2023-12-01 · **Confidence:** verified · **Key:** `behavioural_cover` > Behavioural or psychological conditions are not covered. This includes anxiety disorders, depression, aggression, excessive barking, and treatment related to behavioural or psychological conditions such as products or medications, training, socialisation, behavioural therapy, and psychological therapy. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/petcare/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/petcare/wording.md - Source PDF: https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/PetCare-Policy-Doc.pdf --- ## SPCA Pet Insurance — Big Stuff Cover **Wording version:** 2026-05-17 · **Confidence:** verified · **Key:** `behavioural_cover` > Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are not covered. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/spca-pet/big-stuff/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/spca-pet/big-stuff/wording.md - Source PDF: https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-big-stuff-cover-policy-document.pdf --- ## SPCA Pet Insurance — The Works (Comprehensive) **Wording version:** 2026-05-17 · **Confidence:** verified · **Key:** `behavioural_cover` > Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are listed as general exclusions. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/spca-pet/the-works/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/spca-pet/the-works/wording.md - Source PDF: https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-the-works-cover-policy-document.pdf --- ## Tower Pet Insurance — Pet Comprehensive + Essentials **Wording version:** 2026-05-18 · **Confidence:** verified · **Key:** `behavioural_cover` > Alternative therapy as defined includes behavioural therapy where administered by, prescribed by or supervised by a vet to treat, or to complement treatment for your pet's illness or injury, covered up to $500 (Comprehensive) or $350 (Essentials) per period of cover under the alternative therapy sub-limit. **Endpoints:** - Structured facts: https://petinsurancecomparison.co.nz/api/product/tower-pet/pet-comprehensive-essentials/facts.json - Full wording: https://petinsurancecomparison.co.nz/api/product/tower-pet/pet-comprehensive-essentials/wording.md - Source PDF: https://www.tower.co.nz/wp-content/uploads/2021/11/Pet_Comprehensive_Essentials.pdf --- **9** of 11 indexed products have on-file cover language for this condition. **Canonical URL:** https://petinsurancecomparison.co.nz/conditions/behavioural-conditions/