Find your pet policy in 60 seconds

Pick the situations that match your pet. We'll rank NZ pet insurance policies on the actual clauses that matter for those situations — not generic premium tables.

Mechanical clause matching only — not personalised financial advice. Use the shortlist as input to a conversation with the insurer or a vet who knows your pet.

Which of these apply to you? (pick 1-3)

First policy for a puppy or kitten

Lifetime cover starts at signup — what matters when your pet is healthy and young.

Breed prone to hereditary conditions

Labrador hips · Cavalier mitral valve disease · Bulldog respiratory · Boxer cancer.

Older pet with existing condition history

Pre-existing condition handling, age caps, and chronic-care sublimits.

Dental cover focus

Periodontal disease, dental surgery, preventive cleaning — wildly variable across NZ insurers.

Behavioural conditions + anxiety

Separation anxiety, aggression, noise phobia — the policy market is shifting on this.

Budget-conscious — essential cover only

Lowest premium that still covers the catastrophic events.

Want to browse scenarios in depth? See all 6 scenarios →

Data source: insurer-direct policy wording PDFs. Each ranked result links back to the verbatim source clause + the insurer's PDF. License: CC BY 4.0 — attribute https://petinsurancecomparison.co.nz.