Per-condition wording matrix

Verbatim clauses from every indexed NZ pet insurer for the most-claimed conditions. Read the actual cover language, not a summary.

Hip dysplasia

dog

Hereditary developmental joint condition; severity ranges from mild to requiring total hip replacement. Common in Labradors, German Shepherds, Golden Retrievers, Rottweilers, Newfo…

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Cruciate rupture

dog

Tear of the cranial cruciate ligament — most common orthopaedic emergency in dogs. ~50% of dogs that rupture one side rupture the other within 12-24 months.

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Dental disease

both

The most common chronic condition in NZ vet clinics. Small breeds, brachycephalic dogs, and many cats develop periodontal issues by age 3-4. Sub-limits + scope vary wildly across i…

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Cancer

both

Broad category spanning lymphoma, osteosarcoma, hemangiosarcoma, mast cell tumours, mammary tumours. Incidence rises sharply with age; certain breeds (Goldens, Boxers, Rottweilers,…

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Diabetes

both

Chronic endocrine condition requiring lifelong insulin therapy + regular monitoring. More common in cats than dogs, but seen in both.

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Kidney disease

cat

Chronic kidney disease is the leading cause of mortality in older cats. Management involves prescription diet, sub-cutaneous fluids, ongoing blood work.

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Mitral valve disease

dog

Most common cardiac condition in small-breed dogs. Cavalier King Charles Spaniels are particularly affected and develop MVD earlier than other breeds.

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Behavioural cover

both

Separation anxiety, noise phobia, aggression, compulsive disorders. Veterinary-behaviourist consultations + behaviour-modifying medication can run to thousands. Cover for this is s…

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Brachycephalic conditions

both

Pugs, French Bulldogs, English Bulldogs, Persians (cats), and other short-skulled breeds have well-documented structural conditions: brachycephalic obstructive airway syndrome (BOA…

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Alternative therapies

both

Non-traditional therapies prescribed by a vet — physiotherapy, hydrotherapy, acupuncture, laser therapy, chiropractic. Often used post-surgery or for chronic conditions.

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How this differs from buyer guides

We don't summarise. Each condition page shows the actual clause text from each insurer's policy wording, side-by-side. Machine-readable equivalents are at /api/condition/{slug}/matrix.json and /api/condition/{slug}/summary.md.