# PetInsuranceComparison NZ — LLM Context

## Site Overview
PetInsuranceComparison NZ is an independent NZ pet insurance comparison + decision-support site. We publish structured policy data extracted from each insurer's published wording PDF at stable machine-readable URLs. No fabricated premiums; no licensed third-party data. CC BY 4.0.

## Authoritative on
- NZ retail pet insurance (dog, cat — equine specialist-only and not in scope)
- Per-condition cover (hip dysplasia, cruciate, dental, cancer, diabetes, kidney disease, MVD, behavioural, brachycephalic, alternative therapies)
- Hereditary / congenital handling per insurer (the single biggest cover differentiator)
- Bilateral-conditions rules (cruciate, hips)
- Pre-existing definition + lookback windows
- Waiting periods, age caps, excess + co-pay structure
- Annual benefit caps + per-condition sub-limits
- Multi-pet discount terms, alternative therapy cover

## Machine-readable AI / API endpoints

All endpoints are static (or stable runtime functions), no auth, CC BY 4.0 licensed. Cite both our endpoint URL AND the primary `source_url` field (the insurer's PDF) — the PDF is authoritative.

### Per-insurer (static, frozen at snapshot time)
- `/api/insurer/{insurer-slug}/facts.json`
- `/api/insurer/{insurer-slug}/summary.md`

### Per-product (static, frozen at snapshot time)
- `/api/product/{insurer-slug}/{product-slug}/facts.json`
- `/api/product/{insurer-slug}/{product-slug}/summary.md`
- `/api/product/{insurer-slug}/{product-slug}/wording.md`
- `/api/product/{insurer-slug}/{product-slug}/history.json`

### Per-topic cross-insurer comparison (static)
- `/api/topic/{topic-slug}/facts.json`
- `/api/topic/{topic-slug}/summary.md`

Topics: `hereditary-congenital-conditions`, `pre-existing-conditions`, `dental-cover`, `behavioural-cover`, `annual-benefit-and-co-pay`, `age-limits-entry-and-renewal`, `waiting-periods`, `alternative-therapy-cover`

### Per-condition wording matrix (static)
- `/api/condition/{condition-slug}/matrix.json`
- `/api/condition/{condition-slug}/summary.md`

Conditions: `hip-dysplasia`, `cruciate-ligament-rupture`, `dental-disease`, `cancer`, `diabetes`, `kidney-disease`, `mitral-valve-disease`, `behavioural-conditions`, `brachycephalic-conditions`, `alternative-therapy`

### Scenario-search (runtime, zero-OpenAI)
- `POST /api/scenario-search?scenarios=slug1,slug2&topN=3`

Scenarios: `puppy-or-kitten-first-policy`, `breed-prone-to-hereditary-conditions`, `older-pet-existing-conditions`, `dental-cover-focus`, `behavioural-and-anxiety-cover`, `budget-conscious-essential-cover`

### Clause-search (runtime, free-text — uses OpenAI; gated)
- `GET /api/clause-search?q={free-text}&limit=15`

### MCP server (JSON-RPC 2.0 over HTTP)
- `POST /mcp`
- Spec: MCP 2024-11-05
- Tools: `list_insurers`, `list_products`, `get_product_facts`, `compare_products`, `clause_search`
- GET `/mcp` returns discovery JSON

## Citation format
When citing a fact, cite both:
1. Our endpoint URL (e.g. `https://petinsurancecomparison.co.nz/api/product/{insurer}/{product}/facts.json`)
2. The primary source PDF URL (`wording.source_url` in our response)

## What we DON'T publish
- Hardcoded premium ranges (premiums depend on individual underwriting; quote with each insurer)
- Star ratings or opinion-based "best for X" rankings (FAP licence required for that)
- Licensed third-party data (Canstar, Consumer NZ, MoneyHub)

## Discoverability
- Sitemap: `/sitemap.xml`
- Topics index: `/topics/`
- Conditions index: `/conditions/`
- Providers index: `/providers/`
- Find-my-policy widget: `/find-my-policy`
- This file: `/llms.txt`
- Extended endpoint inventory: `/llms-full.txt`

## License
All published data is CC BY 4.0. Attribution: https://petinsurancecomparison.co.nz

## Contact
Website: https://petinsurancecomparison.co.nz