Cove Insurance Pet Insurance Review 2025
Expert-Rated #1 • $25,000 Policy Limit • 4.8-Star Rating
Expert-Rated Best
$25,000 Limit
Digital-First
4.8/5 (1,247 reviews)
Why Choose Cove Insurance?
Expert-Rated #1 Best
Independently rated as New Zealand's best pet insurance with the Major Plan receiving top expert recommendations.
Highest Policy Limits
$25,000 annual policy limit equals the highest available in NZ, ensuring comprehensive coverage for major treatments.
Most Discounts Available
Up to 20% discounts - more than any other pet insurer in NZ. Annual payment, multi-policy, and referral discounts.
Digital-First Experience
Homegrown NZ digital insurer with 24/7 policy management, instant quotes, and streamlined online claims.
Coverage Options
Accident Only
$20-$35/month
- ✓Accident coverage up to $5,000
- ✓Emergency surgery
- ✓Poisoning incidents
Expert-Rated Best
Major Plan
$35-$70/month
- ✓Up to $25,000 annual limit
- ✓Hereditary conditions
- ✓Cancer treatment
Major + Minor
$50-$110/month
- ✓All Major Plan benefits
- ✓Optional dental coverage
- ✓Optional everyday care
Age Restriction Notice
Major plans only accept pets between 8 weeks and 5 years old at enrollment, but provide lifetime coverage once enrolled.
Pros & Cons
Pros
- ✓Expert-rated best in NZ
- ✓Highest policy limits ($25,000)
- ✓Up to 20% discounts
- ✓Hereditary coverage
- ✓Emergency boarding
- ✓Digital-first experience
Cons
- ✗Strict age limits (5 years)
- ✗Age-related reductions possible
- ✗No alternative treatments
- ✗Co-payments required (10-20%)
- ✗No third party liability