AA Pet Insurance Review 2025
New Zealand's Most Trusted Pet Insurance Brand
Company Overview
AA Pet Insurance represents one of New Zealand's most trusted and recognizable insurance brands in the pet insurance space. With decades of experience serving Kiwi families, AA has extended its commitment to protection and peace of mind to include comprehensive pet coverage that reflects their reputation for reliability and customer service excellence.
What sets AA Pet Insurance apart is their integration of traditional insurance expertise with modern digital conveniences, including the complimentary VetChat service that provides immediate access to registered NZ veterinarians.
Overall Rating
Canstar Most Satisfied Customers 2023
VetChat: Exclusive Access to NZ Vets
What is VetChat?
Every AA Pet Insurance policy includes complimentary access to VetChat, connecting you with experienced New Zealand registered veterinarians via video and live message within minutes.
- Video consultations with NZ registered vets
- Live messaging for quick questions
- 24/7 availability for urgent concerns
- Valued at $200+ annually - included FREE
Perfect For:
- • Minor injuries or concerns
- • Behavioral questions
- • Medication queries
- • Post-treatment follow-up
- • General health advice
- • After-hours guidance
"Easy claims process, very quick to confirm and pay out. VetChat is a brilliant bonus feature." - Verified Customer
Key Features & Benefits
10% Member Discount
AA Members receive 10% discount on each policy - one of the highest member discounts in NZ.
Plus 5% multi-pet discount for additional pets
Pre-existing Conditions
Unlike most insurers, AA can cover some pre-existing conditions if symptom-free for 18 months.
- • Temporary conditions may qualify
- • Apply after 18-month period
- • Industry-leading flexibility
Award-Winning Service
Canstar Most Satisfied Customers Award 2023 with 5-star ratings across all categories.
- • 5-star overall satisfaction
- • Reader's Digest Most Trusted Brand
- • 24/7 online portal access
Coverage Options
Coverage Rate
Of eligible vet bills
Annual Limits
Choose your benefit limit
Your Contribution
Co-payment per claim
What's Covered
- • Accidental injuries
- • Illness treatment and management
- • Dental conditions and treatment
- • Diagnostic tests and imaging
- • Surgical procedures
- • Specialist veterinary care
- • Emergency treatment
- • Some pre-existing conditions*
- • Prescription medications
*If symptom-free for 18 months
Optional Paw Care Add-on
Enhance your coverage with Paw Care:
- • Annual vaccinations
- • Microchipping costs
- • Council registration fees
- • Flea and tick control
- • Regular blood tests
- • Routine health checks
- • Desexing procedures
Get Your AA Pet Insurance Quote
Award-winning coverage with FREE VetChat access