Compare Cat Insurance in New Zealand
Find the perfect coverage for your cat. Compare plans, pricing, and benefits from New Zealand's leading pet insurance providers.
Best Cat Insurance Plans
Southern Cross
- ✓Feline illnesses
- ✓Dental coverage
- ✓Indoor/outdoor
PD Insurance
- ✓Feline illnesses
- ✓Dental coverage
- ✓Indoor/outdoor
Cove Insurance
- ✓Feline illnesses
- ✓Dental coverage
- ✓Indoor/outdoor
Comprehensive Cat Insurance Comparison
Detailed pricing and features breakdown for 2-year-old domestic cat
| Provider | Indoor Monthly | Outdoor Monthly | Coverage Percentage | Annual Limit | Excess | Claims Processing |
|---|---|---|---|---|---|---|
| Southern Cross | $32 | $38 | 80% | $15,000 | $200 | 30 min* |
| PD Insurance | $28 | $33 | 100% | $20,000 | $150 | 2 days |
| Cove Insurance | $35 | $41 | 90% | $25,000 | $175 | 3-5 days |
| Tower Insurance | $29 | $31 | 80% | $12,000 | $200 | 5-7 days |
| AA Pet Insurance | $31 | $36 | 80% | $15,000 | $250 | 3-5 days |
* Southern Cross Easy-Claim system at participating vets. Standard claims: 3-5 days
Prices are estimates for a 2-year-old domestic cat in Auckland. Indoor vs outdoor classification affects premiums due to accident risk.
Common Feline Conditions Coverage
| Condition | Southern Cross | PD Insurance | Cove | Avg Treatment Cost |
|---|---|---|---|---|
| Urinary Tract Disease (FLUTD) | ✓ | ✓ | ✓ | $800-$2,500 |
| Chronic Kidney Disease | ✓ | ✓ | ✓ | $1,200-$5,000 |
| Hyperthyroidism | ✓ | ✓ | ✓ | $800-$3,000 |
| Diabetes | ✓ | ✓ | ✓ | $1,500-$4,000/yr |
| Dental Disease | Add-on | ✗ | Add-on | $400-$1,500 |
| Asthma | ✓ | ✓ | ✓ | $600-$2,000/yr |
| Cancer Treatment | ✓ | ✓ | ✓ | $3,000-$10,000 |
| Inflammatory Bowel Disease | ✓ | ✓ | ✓ | $1,000-$3,000 |
Important Note:
Treatment costs shown are NZ averages and can vary significantly based on severity, location, and required ongoing care. Insurance coverage helps protect against these unexpected expenses.
Frequently Asked Questions About Cat Insurance
What does cat insurance typically cover?
Cat insurance typically covers accidents, illnesses, surgeries, and medications. Comprehensive plans may also include dental care, behavioral therapy, and routine wellness care. Common feline conditions like urinary tract disease, kidney disease, and hyperthyroidism are usually covered after waiting periods.
How much does cat insurance cost in NZ?
Cat insurance in NZ typically costs between $20-$60 per month, depending on factors like breed, age, and coverage level. Indoor cats often have lower premiums (around $28-35/month) compared to outdoor cats ($31-41/month) due to reduced accident risk.
What cat-specific conditions are covered?
Most policies cover common feline conditions like urinary tract disease (FLUTD), chronic kidney disease, hyperthyroidism, diabetes, asthma, and cancer. Dental disease coverage varies by provider and may require an add-on. All conditions are subject to waiting periods and pre-existing exclusions.
Do indoor cats need insurance?
Yes, while indoor cats may have lower accident risks, they still need coverage for illnesses, dental issues, and other health conditions. In fact, indoor cats are still susceptible to many expensive conditions like kidney disease, diabetes, and cancer. Insurance provides peace of mind regardless of lifestyle.
Why are outdoor cats more expensive to insure?
Outdoor cats face higher risks of accidents (car accidents, fights with other animals), injuries, and infectious diseases. This increased risk translates to premiums that are typically $3-8 more per month compared to indoor cats. However, the extra cost is worth it for the comprehensive protection.
Are pedigree cats more expensive to insure?
Yes, pedigree cats often have higher insurance premiums due to breed-specific health conditions. For example, Persians are prone to kidney disease, Maine Coons to heart disease, and Siamese to respiratory issues. Premiums for pedigree cats can be 20-40% higher than domestic cats.