Compare cat insurance in New Zealand
What to look for in the wording — and where to get a quote that applies to your cat.
Cat insurance in NZ is offered by most generalist pet insurers plus a few species-specialist options. The premium for a given cat depends on age at signup, breed, indoor vs outdoor status (for some insurers), and the tier you pick. We don't quote ranges here — premiums come from each insurer's underwriting at quote time.
What to focus on in the wording
- Dental cover scope. Cats develop dental issues early; the gap between "accident only" dental cover and "periodontal disease included" is the single biggest cost-of-care variable across NZ cat policies.
- Pre-existing definition. A six-month lookback vs a lifetime exclusion is very different. Read the exact rule before assuming.
- Hereditary cover. Pure-breed cats (Persians, Maine Coons, Ragdolls) have known hereditary risks. Some insurers cover, some exclude, some cover after a waiting period.
- Renewal-age cap. Cats often live 16+ years; check whether the policy renews for new conditions into the senior decade.
- Excess + co-pay. Read both — see the cost guide for the difference.
NZ insurers covering cats
8 pet insurers indexed. Click through to each provider for wordings + facts.
Find the right policy in 60 seconds
Pick the situations that match your cat — we rank policies on actual cover language.
Find my policyNot personalised advice. Mechanical clause comparison from insurer-direct wordings. Quote with each insurer for prices applicable to your cat.