{ "vertical": "pet", "insurer": { "slug": "aa-pet", "name": "AA Pet Insurance", "brand_family": "aa-insurance" }, "product": { "slug": "pet-policy", "name": "AA Pet Insurance Policy", "status": "active", "positioning_summary": null }, "wording": { "version": "2025-04-05", "ingested_at": "2026-05-18T01:57:29.41912+00:00", "pdf_hash": "c4a4d9b333746e86441ce6ce4f8016db38f0651c871bf8522547e4d645622504", "source_url": "https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/pet-insurance/documents/AAPetInsurancePolicyDocument.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "exclusions": [ "Pre-existing conditions and a related condition or a bilateral condition of a pre-existing condition", "Food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, microchipping, flea/tick/worm control, grooming and bathing of your pet, and non-medicated grooming products", "Medicated baths and shampoos, unless your vet deems them medically necessary to treat a condition covered by your policy", "Accessories including but not limited to; pill poppers, cage hire, crates, bedding and collars", "Training, socialisation, alternative and complementary medicines and therapies including (but not limited to) homeopathy, naturopathy, Chinese medicine, Ayurveda and cannabinoids, acupuncture, physiotherapy, laser therapy, light therapy, shockwave therapy, hydrotherapy, massage and chiropractic treatments", "Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances", "Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand", "The provision of medication(s) that cover a period of more than 30 days beyond the policy end date", "Chemical castration, suprelorin implants or other desexing procedures, unless required to treat your pet's reproductive organs due to inflammation, infection or cancer", "Breeding or obstetrics and/or any related complications", "Transport or boarding expenses other than those listed in the Emergency Boarding Additional Benefit section", "Ambulance fees and non-essential hospitalisation", "Shipping and freight costs", "Genetic/chromosome testing", "Additional costs associated with house calls beyond the cost of treatment had it been provided at a vet practice during normal consultation hours", "Any non-customary trial or experimental procedures and treatments", "Any procedures or treatments related to the manipulation, modification, or alteration of heart valves, chordae tendineae, or other heart structures including open-heart surgery (with the exception of balloon valvuloplasty) and the implantation, repair or replacement of pacemakers", "Organ transplant surgery, cell-replacement therapies including but not limited to stem cell therapy and platelet-rich plasma (blood transfusions are covered where medically necessary)", "Wheelchairs, 3D printing or artificial limbs and prosthetics", "Cosmetic procedures, nail clipping, declawing, dew claw removal and ear cropping", "Tail docking and devocalisation (debarking or demeowing)", "Your pet not being covered due to gross negligence by you or your failure to take all reasonable precautions to protect your pet from situations that may result in injury or illness, including your pet participating in organised fighting and hunting activities", "Any consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses you may incur to prove or assist us with your claim", "Expenses in relation to policy exclusions or related complications/adverse reactions of an exclusion", "Any declared widespread epidemic or pandemic disease that affects dogs or cats", "Any flea/tick/worm preventative treatments or measures", "Any dental illness treatment unless your pet has been insured under this policy for at least 6 months and in this period your pet has not shown signs of or been treated for any dental illness", "Orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment", "Any tooth fracture resulting from dental disease or where the treatment for the tooth fracture involves root canal therapy or dental crowns", "Conditions resulting from external parasites such as ticks, fleas or skin/ear mites, patella luxations, elbow dysplasia, hip dysplasia, toxicity (other than that resulting from a confirmed snake bite), ingestion of a foreign object, intervertebral disc disease (IVDD) and desexing procedure complications under accidental injury cover (these conditions only covered under illness cover subject to 14-day waiting period)" ], "cover_types": [ "Accident and Illness Cover", "Paw Care Package (optional add-on)" ], "dental_cover": "Dental illness sub-limit of $600 per policy period at 80% benefit percentage. Cover restricted to eligible vet expenses for scaling, polishing, dental x-rays and tooth removal for: gingivitis; abscesses; odontoclastic resorptive lesions; dental disease arising from infection; retained deciduous teeth; cavities; or fractured teeth. Not covered: any dental illness treatment unless the pet has been insured under this policy for at least 6 months and in this period the pet has not shown signs of or been treated for any dental illness; orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment. Traumatic tooth fractures are covered under accidental injury cover except where resulting from dental disease or where treatment involves root canal therapy or dental crowns. Waiting period: 6 months.", "co_pay_percent": "20% — benefit percentage is 80% of eligible vet expenses (after excess)", "species_covered": [ "dog", "cat" ], "behavioural_cover": "Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded under Section 4 – General Exclusions.", "annual_benefit_nzd": "$5,000, $10,000 or $15,000 per policy period, as shown on your Certificate of Insurance", "excess_options_nzd": "Selectable excess as shown on Certificate of Insurance; examples in policy show $0 and $500 — full list not specified in wording", "multi_pet_discount": "Not found in wording", "pre_existing_rules": "A pre-existing condition is a condition that first existed or occurred: prior to the commencement date of the first policy period; or within any applicable waiting period; AND which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed. A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition. Temporary conditions that have not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to the claim treatment date are not excluded. Chronic conditions that existed or occurred before the commencement date of the first policy period or during any applicable waiting period are always excluded and will never be considered a temporary condition.", "entry_age_max_years": 9, "entry_age_min_months": 2, "waiting_periods_days": { "dental": 180, "illness": 14, "accident": 0, "cruciate_ligament": 180 }, "renewal_age_cap_years": "No age cap stated; policy renews every year for so long as we continue to provide this product; cover is treated as continuous on renewal with no new waiting periods", "boarding_kennel_benefit": "We will pay you 80% up to $1,500 per policy period for the cost of boarding your pet at a licensed kennel or cattery if: you are unexpectedly hospitalised (other than for cosmetic/elective surgery, pregnancy (unless unexpected complication), or any sickness known or foreseeable prior to commencement date) for two or more consecutive days during the policy period; or you require emergency accommodation due to family violence. Not payable if someone else living with you can reasonably be expected to look after your pet whilst you are in hospital. No waiting period.", "per_condition_limit_nzd": "No separate per-condition limit; sub-limits apply: Cruciate ligament conditions $3,200; Consultation fees $300; Dental illness $600; Emergency boarding $1,500; Intervertebral disc disease $4,000 — all per policy period", "death_by_illness_benefit": "Not found in wording", "alternative_therapy_cover": "Training, socialisation, alternative and complementary medicines and therapies including (but not limited to) homeopathy, naturopathy, Chinese medicine, Ayurveda and cannabinoids, acupuncture, physiotherapy, laser therapy, light therapy, shockwave therapy, hydrotherapy, massage and chiropractic treatments are excluded under Section 4 – General Exclusions.", "bilateral_conditions_rule": "When applying a benefit limit or exclusion, a bilateral condition will be considered a single condition. Example 1: If your pet has had elbow dysplasia in the left elbow prior to the commencement date of the first policy period you are insured with us or during the applicable waiting period, which falls within the definition of pre-existing condition, subsequent elbow dysplasia in the right elbow will still be considered a pre-existing condition. A cruciate ligament condition is considered a single condition irrespective of whether one or both legs are affected.", "hereditary_congenital_rules": "Hereditary conditions and congenital conditions will not be considered a pre-existing condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the commencement date of the first policy period or during any applicable waiting period." }, "endpoints": { "summary": "/api/product/aa-pet/pet-policy/summary.md", "wording": "/api/product/aa-pet/pet-policy/wording.md", "history": "/api/product/aa-pet/pet-policy/history.json" }, "canonical_url": "https://petinsurancecomparison.co.nz/api/product/aa-pet/pet-policy/facts.json", "generated_at": "2026-05-18T08:27:32.280Z", "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz" }