{ "vertical": "pet", "insurer": { "slug": "cove-pet", "name": "Cove Pet Insurance", "brand_family": "cove" }, "product": { "slug": "pet-insurance", "name": "Cove Pet Insurance", "status": "active", "positioning_summary": null }, "wording": { "version": "2026-05-18", "ingested_at": "2026-05-18T01:53:48.018206+00:00", "pdf_hash": "6296774d2d3bee0c1641d5b42e0574358a688ff7fc585e5fb2349370b0a03d13", "source_url": "https://www.coveinsurance.co.nz/wp-content/uploads/2022/05/Pet-Insurance-Policy-CovePet012022.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "exclusions": [ "Pre-existing conditions, a related condition or a condition arising before the first policy period you are insured with us or within the applicable waiting period", "Bilateral conditions treated as a single condition for benefit limit or exclusion purposes", "Brachycephalic Obstructive Airway Syndrome (BOAS)", "Preventive and routine items: food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, microchipping, flea/tick/worm control, grooming and bathing, non-medicated grooming products (unless Everyday stuff option selected)", "Accessories including (but not limited to) pill poppers, cage hire, crates, bedding and collars", "Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances", "Breeding activities or obstetrics treatment", "Cell-replacement therapies including (but not limited to) stem cell therapy and platelet-rich plasma (blood transfusions covered when medically necessary)", "Chemical castration, suprelorin implants or other desexing procedures, unless required to treat reproductive organs due to inflammation, infection or cancer", "Medicated baths and shampoos, unless vet deems medically necessary to treat a covered condition", "Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand", "Training, socialisation, therapy and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic treatments and/or physiotherapy", "Prolonged course of veterinary medicines or alternative/complementary treatments for more than three months if a veterinary operation would have improved or cured the condition (unless agreed by us)", "Ambulance fees and non-essential hospitalisation", "Genetic/chromosome testing", "Pre-anaesthetic blood tests", "Trial or experimental procedures and treatments", "Organ transplant surgery, open heart surgery, artificial limbs, mitral valve and chordae tendineae replacement surgery and pacemakers", "External fixtures (such as wheelchairs)", "Prosthetics (including but not limited to hip replacements and elbow replacements)", "3D printing", "Transport or boarding expenses other than those listed in the Emergency boarding benefit", "Cosmetic procedures, hip/elbow scoring, nail clipping, declawing, dew-claw removal and ear cropping", "Tail docking and debarking", "Voluntary euthanasia", "Treatment due to gross negligence or failure to take reasonable precautions, including organised fighting and hunting activities", "Treatment due to pet being overweight or obese", "Consequential loss including economic loss, loss of enjoyment, costs or expenses to prove or assist with claim", "Legal liability for death, bodily injury, illness, or property damage", "Expenses in relation to policy exclusions or related complications/adverse reactions of an exclusion", "Fees charged by vet for provision of information or assistance in relation to a claim or policy administration", "Non-compliance with New Zealand laws including dangerous dogs regulations and animal health/importation laws", "Pet confiscation, destruction or restrictions imposed by Government or public authority", "Fines, penalties, legal costs, punitive or exemplary damages", "Civil commotion/riot, uprising, insurrection, rebellion, military or usurped power", "Electronic data loss or corruption", "Terrorism", "Nuclear materials and events", "War and related events", "Sanctions-prohibited cover", "Pets kept primarily for work, breeding, hunting or sport", "Excluded dog breeds (Pit Bull Terrier, Dogo Argenino, Perro De Presa Canario, Dogo Canario, Dingo, Japanese Tose, Fila, Brasileiro, Czechoslovakian Wolfdog, Saarloos Wolfhound/Wolfdog, any wolf hybrid)", "Dental illness (unless optional Dental illness cover selected)", "Any declared widespread epidemic or pandemic disease affecting dogs or cats", "Flea/tick/worm preventative treatments or measures (unless Everyday stuff option selected)", "Treatment for unvaccinated pets for specified diseases (dogs: infectious canine hepatitis, parvovirus, canine distemper, parainfluenza, canine influenza, kennel cough; cats: parvovirus infections, chlamydia, FeLV, FIV, viral rhinotracheitis, calicivirus, herpes virus, cat flu)", "Patella luxations, elbow or hip dysplasia, toxicity, ingestion of foreign object, IVDD or desexing procedure complications under accidental injury cover", "Conditions resulting from external parasites such as ticks, fleas or skin/ear mites (under accidental injury cover)" ], "cover_types": [ "Accident Only", "Major + Minor (Accident + Illness)", "Major + Minor with Dental illness add-on", "Major + Minor with Everyday stuff add-on" ], "dental_cover": "Dental illness is an optional add-on for the Major + Minor plan only. Sublimit of $500 per policy period. 100% benefit percentage (no customer co-payment). Benefit excess of $100. Covers: Gingivitis, abscesses, removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities, tooth fracture. Not covered unless pet has been insured under this policy for at least 6 months and has not shown signs of or been treated for any dental illness in that period; requires history of annual routine dental check-ups by a vet. Excludes: orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment, odontoclastic resorptive lesions, elective dental treatment, checks or cleaning. Dental illness is also excluded from illness conditions cover unless the optional dental illness benefit is selected.", "co_pay_percent": "As shown on the certificate of insurance; example in policy uses 10%; Dental illness and Everyday stuff benefits have 0% co-payment (100% benefit percentage)", "species_covered": [ "dog", "cat" ], "behavioural_cover": "Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded.", "annual_benefit_nzd": "As stated in the certificate of insurance (combined accidental injuries and illness conditions)", "excess_options_nzd": "As shown on the certificate of insurance (example in policy uses $1,000; Dental illness benefit excess is $100)", "multi_pet_discount": "We have a refer-a-friend program which rewards customers when they introduce new customers or when you buy an additional policy. When this happens your 'friend' receives a free month (up to $100 including GST) and so do you. Additional terms and conditions apply.", "pre_existing_rules": "If a condition exists or occurs before the commencement date of the first policy period your pet is insured with us or within an applicable waiting period, and you or your vet were aware of the condition, or a reasonable person in your circumstances would have been aware of the condition, it will be excluded from cover as a pre-existing condition. If your pet has a temporary condition that occurred or existed prior to the commencement date of the first policy period you are insured with us or during any applicable waiting period, but that condition has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic conditions that occur prior to the commencement date of the first policy period you are insured with us or during any applicable waiting period cannot fall within this category of temporary condition and will always be excluded from cover. 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 within an applicable waiting period.", "entry_age_max_years": 5, "entry_age_min_months": 2, "waiting_periods_days": { "illness": 21, "accident": 0, "dental_illness": 180, "everyday_stuff": 180, "cruciate_ligament": 180, "emergency_boarding": 0, "intervertebral_disc_disease": 180 }, "renewal_age_cap_years": "Provided there is no break in cover, we will offer renewal of your policy at each renewal for so long as we continue to provide this product.", "boarding_kennel_benefit": "We will pay our share of the cost of boarding your pet at a licensed kennel or cattery up to a sublimit of $1,500 per year if you are hospitalised (other than in the circumstances specified) for five or more consecutive days during the policy period, or if you require emergency accommodation due to family violence. Not covered if hospitalised for cosmetic or elective surgery, pregnancy (unless unexpected complication), any sickness known or foreseeable prior to the commencement date, or if someone else living with you can reasonably be expected to look after your pet. No waiting period applies. Subject to applicable co-payment; excess as shown on certificate of insurance.", "per_condition_limit_nzd": "Excess is applied per condition treated during the policy period that is not related to any other condition treated during the same policy period; no separate per-condition benefit sublimit stated beyond the annual benefit limit, except sublimits for optional covers", "death_by_illness_benefit": "Voluntary euthanasia is excluded. No death by illness benefit is described in the policy.", "alternative_therapy_cover": "Training, socialisation, therapy and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic treatments and/or physiotherapy are excluded.", "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 cruciate ligament problems in the left knee 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 cruciate ligament issues in the right knee will still be considered a pre-existing condition. Example 2: If your pet suffers from a patella luxation in its left hind leg and arthritis in its right hind leg, this is not a bilateral condition, as patella luxation and arthritis are not the same condition.", "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 within an applicable waiting period." }, "endpoints": { "summary": "/api/product/cove-pet/pet-insurance/summary.md", "wording": "/api/product/cove-pet/pet-insurance/wording.md", "history": "/api/product/cove-pet/pet-insurance/history.json" }, "canonical_url": "https://petinsurancecomparison.co.nz/api/product/cove-pet/pet-insurance/facts.json", "generated_at": "2026-05-18T08:27:32.256Z", "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz" }