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
Hereditary developmental joint condition; severity ranges from mild to requiring total hip replacement. Common in Labradors, German Shepherds, Golden Retrievers, Rottweilers, Newfo…
See the clause matrixCruciate rupture
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.
See the clause matrixDental disease
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…
See the clause matrixCancer
Broad category spanning lymphoma, osteosarcoma, hemangiosarcoma, mast cell tumours, mammary tumours. Incidence rises sharply with age; certain breeds (Goldens, Boxers, Rottweilers,…
See the clause matrixDiabetes
Chronic endocrine condition requiring lifelong insulin therapy + regular monitoring. More common in cats than dogs, but seen in both.
See the clause matrixKidney disease
Chronic kidney disease is the leading cause of mortality in older cats. Management involves prescription diet, sub-cutaneous fluids, ongoing blood work.
See the clause matrixMitral valve disease
Most common cardiac condition in small-breed dogs. Cavalier King Charles Spaniels are particularly affected and develop MVD earlier than other breeds.
See the clause matrixBehavioural cover
Separation anxiety, noise phobia, aggression, compulsive disorders. Veterinary-behaviourist consultations + behaviour-modifying medication can run to thousands. Cover for this is s…
See the clause matrixBrachycephalic conditions
Pugs, French Bulldogs, English Bulldogs, Persians (cats), and other short-skulled breeds have well-documented structural conditions: brachycephalic obstructive airway syndrome (BOA…
See the clause matrixAlternative therapies
Non-traditional therapies prescribed by a vet — physiotherapy, hydrotherapy, acupuncture, laser therapy, chiropractic. Often used post-surgery or for chronic conditions.
See the clause matrixHow 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.