{
  "vertical": "pet",
  "insurer": {
    "slug": "petcover",
    "name": "Petcover (Petplan NZ)",
    "brand_family": "petcover"
  },
  "product": {
    "slug": "catastrophe",
    "name": "Petcover Catastrophe Plan",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-17",
    "ingested_at": "2026-05-17T21:56:27.741178+00:00",
    "pdf_hash": "bf2114ac8e224e431b6643588fb40455cd57dc2357a4b9cc55f4c64c6d002ef2",
    "source_url": "https://www.petcovergroup.com/nz/wp-content/uploads/sites/18/2022/12/PCNZ-PDS_SOV-SN_Catastrophe-v14112022.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "A Condition specifically excluded on Your Certificate of Insurance",
      "Any animal less than eight (8) weeks old at the time of commencement of the period of insurance",
      "Any costs of treatment throughout the lifetime of Your Pet for any Injury or Illness which occurs or shows Clinical Signs prior to the commencement of Your Insurance or within the first thirty (30) days of cover (Waiting Period), or any Pre-Existing Conditions",
      "Any costs of treatment throughout the lifetime of Your Pet for Brachycephalic Obstructive Airway syndrome (BOAS), Brachycephalic Gastrointestinal Syndrome (BGS), nasal fold surgery, skin fold surgery, stenotic nares and soft palate resection, enlarged tongue (macroglossa), or everted laryngeal saccules that occurs or shows Clinical Signs within the first twelve (12) months of commencement of Your Insurance",
      "Cost of Routine Treatment or Preventative care such as check-ups and procedures that are designed to prevent future Illnesses from occurring rather than treating existing Illnesses, including annual physical examinations and/or check-ups, vaccinations, heart worm prevention medication; flea and other internal/external parasite prevention",
      "Cost of Elective procedures and Treatment, including but not limited to desexing, spaying or castration; micro-chipping; grooming and de-matting, cosmetic or aesthetic surgery, or Elective surgery including but not limited to dew-claw removal, prescription diet foods, and any Treatment not related to an Injury, Illness, or trauma",
      "The cost of periodontics, dental check-ups, Comprehensive Oral Health Assessment and Treatment (COHAT), dental x-rays, dental prophylaxis, dental scale and polish or teeth cleaning, gingival curettes, gingival hyperplasia, removal of plaque or calculus or periodontal surgery",
      "The cost of prosthodontics, the removal or repair of misaligned or retained deciduous teeth, orthodontic appliances, crowns, caps or splints, luxation, horizontal bone loss, impacted teeth or embedded teeth",
      "Any cost relating to orthodontics, malocclusion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite",
      "Any Treatment for dental disease if an annual dental examination has not been undertaken within the twelve (12) months preceding the problem requiring Treatment and any Treatment a Vet recommended resulting from that had not been carried out",
      "Experimental Treatments or therapies; prosthetics or orthopaedic supports or braces, open heart surgeries, cancer vaccinations, therapeutic antibody for dog and cat cancers, stem cell therapy, organ transplants, gene therapies, probiotics, dental vaccines, cold laser treatments, 3D printing, Juvenile Pubic Symphysiodesis (JPS), any drugs not used in accordance with the manufacturers recommendations",
      "Any costs for veterinary Treatment that does not improve the health or wellbeing of Your Pet",
      "Any prolonged course of veterinary medicines, or Treatments for more than three (3) months if there is a veterinary operation that would have improved or cured the Condition unless agreed by Us",
      "The cost for Your Vet to write a prescription or charge a dispensing fee",
      "Any medicines that have not been approved by the Agricultural Compounds and Veterinary Medicines (ACVM) or where there is no evidence to support the usage of this medicine for this Condition",
      "Dogs being used for guarding, track racing or Live Coursing",
      "Any breed of dog that is banned by any New Zealand Government, Public or Local Authority, or that is crossed with any banned breed or Pit Bull Terrier or Dingo or crosses of these breeds",
      "Any dog declared as a dangerous dog by a Government authority",
      "Any dog that must be registered under the applicable legislation dealing with dangerous dogs",
      "Any amount caused by, arising out of or in any way connected with Your Pet being confiscated or destroyed by any Government or Public or Local Authority or any person or Body having the jurisdiction to do so",
      "Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, have put restrictions on Your Pet",
      "Any amount caused by, arising out of or in any way connected with You breaking New Zealand animal health or importation laws or regulations",
      "Legal costs, expenses, fines and penalties connected with or resulting from a Criminal Court Case or an Act of Parliament",
      "Any loss caused by, arising out of or in any way connected with an act of force or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event, including any chemical or biological terrorism",
      "The cost of treating any Injury or Illness or other bodily injury or illness caused by, arising out of, or in any way connected with a malicious act, deliberate Injury or bodily injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You or acting with Your express or implied consent",
      "Any amount resulting from an Illness that Your Pet contracted while outside New Zealand or Australia, that it would not normally have contracted in New Zealand or Australia",
      "Any amount resulting from a disease transmitted from animals to humans",
      "Any pandemic disease that causes widespread Illness, death or destruction affecting dogs and cats",
      "Any dog not vaccinated for distemper, hepatitis, kennel cough, leptospirosis, parvovirus or any other disease that there is a known vaccine, and Your vet has recommended vaccinations",
      "Any cat for feline infectious enteritis, feline leukaemia or cat flu, or other disease that there is a known vaccine and Your vet recommend vaccinations, if not vaccinated against them",
      "Any amount arising from or in any way connected with Your failure to take all reasonable precautions to protect Your Pet from or by aggravating or prolonging an Injury or Illness",
      "Any amount if Your Pet lives permanently outside of New Zealand",
      "Any Journey You take Your Pet on against a Vet's advice"
    ],
    "cover_types": [
      "Catastrophe 1",
      "Catastrophe 2",
      "Third Party Liability (Optional Extra Benefit, dogs only)"
    ],
    "dental_cover": "Annual dental examination required; any Treatment recommended as a result must be carried out as soon as possible. Excluded: periodontics, dental check-ups, COHAT, dental x-rays, dental prophylaxis, dental scale and polish or teeth cleaning, gingival curettes, gingival hyperplasia, removal of plaque or calculus or periodontal surgery; prosthodontics, removal or repair of misaligned or retained deciduous teeth, orthodontic appliances, crowns, caps or splints, luxation, horizontal bone loss, impacted teeth or embedded teeth; orthodontics, malocclusion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite. Any Treatment for dental disease is excluded if an annual dental examination has not been undertaken within the twelve (12) months preceding the problem requiring Treatment and any Treatment a Vet recommended resulting from that had not been carried out.",
    "co_pay_percent": "Not specified in the wording; Excess definition notes Veterinary Fees Excesses may be either the Fixed Excess only, or the Fixed Excess and the Co-Payment, but no percentage is stated",
    "species_covered": [
      "dog",
      "cat"
    ],
    "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.",
    "annual_benefit_nzd": "Catastrophe 1: Up to $5,000 Annual Benefit Limit; Catastrophe 2: Up to $10,000 Annual Benefit Limit (as shown in the Certificate of Insurance)",
    "excess_options_nzd": [
      450,
      900
    ],
    "multi_pet_discount": "Multi-pet Discount applies for 3+ eligible pets (both Catastrophe 1 and Catastrophe 2 plans). No further details of the discount amount are stated in the wording provided.",
    "pre_existing_rules": "Pre-Existing Condition(s) means any Condition(s) or symptom(s), sign(s) or Clinical sign(s) of that Condition, Injury or Illness occurring or existing in any form that; a. Has happened or first showed Clinical signs; b. Has the same diagnosis or Clinical signs as an Injury, Illness or Clinical sign Your Pet had; or, c. Is caused by, relates to, or results from, an Injury, Illness or Clinical sign Your Pet had occurring or existing: Before Your Pet's cover started, or prior to the Policy commencement date; During the thirty (30) day Waiting Period; or Before the section was added to Your insurance. This applies no matter where the Injury, Illness or Clinical sign(s) occurred or happen in, or on, Your Pet's body. This is regardless of whether or not We place any exclusion(s) for the Injury/Illness.",
    "entry_age_max_years": 9,
    "entry_age_min_months": 2,
    "waiting_periods_days": {
      "illness": 30,
      "cruciate_ligament": 180,
      "brachycephalic_airway_obstruction": 365
    },
    "renewal_age_cap_years": "Umbrella for Life: cover continues for the treatment of on-going Illness or Injuries throughout Your Pet's lifetime, provided You renew the Policy annually without a break in cover and pay the required premium",
    "boarding_kennel_benefit": "Not mentioned in the policy wording provided.",
    "per_condition_limit_nzd": "Cruciate Ligament, Patella Luxation, Hip Dysplasia or Osteochondritis Dissecans (OCD) Treatment (per policy year): Catastrophe 1 Up to $1,500 / Catastrophe 2 Up to $3,000; Skin Treatments (per policy year): Up to $500 (both plans); Cancer Treatments (per policy year): Catastrophe 1 Up to $2,500 / Catastrophe 2 Up to $5,000; Brachycephalic Airway Obstruction: Catastrophe 1 Up to $3,000 / Catastrophe 2 Up to $6,000 (365 day waiting period); Vet Consults (per policy year): Up to $400 (both plans)",
    "death_by_illness_benefit": "Not mentioned in the policy wording provided.",
    "alternative_therapy_cover": "Not explicitly covered or excluded by name. 'Cold laser treatments' are listed as an excluded procedure. No mention of physiotherapy, hydrotherapy, acupuncture or chiropractic.",
    "bilateral_conditions_rule": "For the avoidance of doubt when referring to Pre-Existing Conditions, and Conditions affecting a part of Your Pet's body of which it has two, will be deemed to be a Bilateral Condition and both will be excluded from cover.",
    "hereditary_congenital_rules": "Not explicitly described as a named category of exclusion or inclusion. Select Breeds (a defined list of large/giant and brachycephalic-related breeds) are eligible for cover only from age 8 weeks and before their 5th birthday. Brachycephalic Obstructive Airway Syndrome (BOAS) and related conditions are excluded for the first 365 days of cover. Cruciate ligament, patella luxation, hip dysplasia and OCD are explicitly stated not to be considered Accidents and have a 180-day waiting period with sub-limits."
  },
  "endpoints": {
    "summary": "/api/product/petcover/catastrophe/summary.md",
    "wording": "/api/product/petcover/catastrophe/wording.md",
    "history": "/api/product/petcover/catastrophe/history.json"
  },
  "canonical_url": "https://petinsurancecomparison.co.nz/api/product/petcover/catastrophe/facts.json",
  "generated_at": "2026-05-18T08:27:32.242Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}