Compare Dog Insurance in New Zealand

Dog insurance typically covers accidents, illnesses, surgeries, and medications. Comprehensive plans may also include routine care, dental treatment, and behavioral therapy. Most policies cover veterinary consultations, diagnostic tests, hospitalization, and prescription medications.

Dog insurance in NZ typically costs between $25-$90 per month, depending on factors like breed, age, and coverage level. Large breeds and older dogs often have higher premiums. A 1-year-old Labrador might cost $35-47/month, while a 5-year-old could be $48-62/month.

Generally, pre-existing conditions are not covered by dog insurance. This is why it's important to insure your dog while they're young and healthy. Any illness or injury that occurred before the policy start date, or during the waiting period, is considered pre-existing and won't be covered.

Breeds prone to health issues typically cost more to insure. These include Bulldogs (respiratory issues), German Shepherds (hip dysplasia), Great Danes (bloat), Cavalier King Charles Spaniels (heart disease), and other breeds with known hereditary conditions. Mixed breeds often have lower premiums.

The best time to get dog insurance is when your dog is young (ideally as a puppy) and healthy. Most providers accept puppies from 8 weeks old. Getting insurance early means lower premiums and ensures maximum coverage before any conditions develop. Some providers have age limits (typically 8-9 years for new policies).

Accident-only policies cover injuries from unexpected events like car accidents or broken bones, but exclude illnesses. Comprehensive policies cover both accidents and illnesses, including chronic conditions, cancer, infections, and more. While accident-only is cheaper ($15-25/month), comprehensive coverage ($35-90/month) provides much better protection.