Complete Pet Insurance Guide
Everything You Need to Know About Pet Insurance in NZ
What is Pet Insurance?
Pet insurance helps cover the cost of unexpected veterinary treatment. When your pet gets sick or injured, you pay the vet bill upfront, then submit a claim to your insurer for reimbursement (typically 70-90% of eligible costs).
What's Typically Covered?
- • Accidents and injuries
- • Illness and disease treatment
- • Surgery and hospitalization
- • Diagnostic tests (X-rays, blood tests)
- • Medications
- • Specialist care
What's NOT Covered?
- • Pre-existing conditions
- • Routine preventive care (usually)
- • Cosmetic procedures
- • Breeding-related expenses
How Much Does it Cost?
Pet insurance in NZ typically costs:
- • Cats: \$20-\$60/month
- • Small dogs: \$25-\$70/month
- • Large dogs: \$40-\$120/month
How to Choose the Right Policy
1. Compare Coverage Levels
Look at coverage percentages (70-90%) and annual limits (\$5,000-\$50,000)
2. Consider Your Pet's Needs
Age, breed, and health history affect what coverage you need
3. Check Exclusions & Waiting Periods
Understand what's not covered and when coverage starts
4. Compare Multiple Quotes
Get quotes from 3-5 providers to find the best value