Separation anxiety, noise phobia, aggression, compulsive disorders. Veterinary-behaviourist consultations + behaviour-modifying medication can run to thousands. Cover for this is shifting fast in the NZ market.
Why this matters: Historically excluded; some insurers now cover with separate sub-limits + credentialing requirements. Matters for rescue dogs + post-pandemic puppies.
9 of 11 indexed products have on-file cover language for this condition. 2 are pending wording ingest.
Snapshot 2026-05-18T08:27:31.134Z. Machine-readable: matrix.json · summary.md
AA Pet Insurance
Wording v2025-04-05 · confidence: verified · key: behavioural_cover
Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded under Section 4 – General Exclusions.
Cove Pet Insurance
Wording v2026-05-18 · confidence: verified · key: behavioural_cover
Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded.
Petcover (Petplan NZ)
Wording v2026-05-17 · confidence: verified · key: behavioural_cover
Not explicitly covered or described as a named benefit. 'Condition' is defined to include 'deviant behaviour'. No specific behavioural cover sublimit or veterinary behaviourist requirement is stated.
Southern Cross Pet Insurance
Wording v2023-12-01 · confidence: verified · key: behavioural_cover
We don't cover any behavioural or psychological conditions, which are things like anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as products or medications, training, socialisation, behavioural therapy, psychological therapy.
Southern Cross Pet Insurance
Wording v2025-09-01 · confidence: verified · key: behavioural_cover
We don't cover any behavioural or psychological conditions, which are things like: anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as: products or medications, training, socialisation, behavioural therapy, psychological therapy.
Southern Cross Pet Insurance
Wording v2023-12-01 · confidence: verified · key: behavioural_cover
Behavioural or psychological conditions are not covered. This includes anxiety disorders, depression, aggression, excessive barking, and treatment related to behavioural or psychological conditions such as products or medications, training, socialisation, behavioural therapy, and psychological therapy.
SPCA Pet Insurance
Wording v2026-05-17 · confidence: verified · key: behavioural_cover
Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are not covered.
SPCA Pet Insurance
Wording v2026-05-17 · confidence: verified · key: behavioural_cover
Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are listed as general exclusions.
Tower Pet Insurance
Wording v2026-05-18 · confidence: verified · key: behavioural_cover
Alternative therapy as defined includes behavioural therapy where administered by, prescribed by or supervised by a vet to treat, or to complement treatment for your pet's illness or injury, covered up to $500 (Comprehensive) or $350 (Essentials) per period of cover under the alternative therapy sub-limit.
Not personalised veterinary or financial advice. Each clause shown is a verbatim excerpt from the cited insurer wording PDF. For the authoritative answer in any specific case, refer to the source PDF.