Last updated: 2 February 2026 | Independently verified by NZ pet insurance experts
Pet-n-Sur
100% New Zealand owned pet insurance with affordable premiums and local customer support.
NZ Owned & Operated
Vet Bill Reimbursement
Max Annual Cover
NZ-Based Support
Why Choose Pet-n-Sur?
Pet-n-Sur is 100% New Zealand owned and operated - one of the few truly local pet insurers. They underwrite their own policies with no third-party involvement. With local support and straightforward coverage options, they focus on providing no-nonsense pet insurance for Kiwi pet owners.
100% NZ Owned
Local decisions, local support
Local Service
NZ-based customer support
Local Support
NZ-based customer service
$0 Excess
Available on all plans
Pet-n-Sur Insurance Plans
Core Cover
! 70% reimbursement (lower than 80% industry standard)
Waiting period: Waiting periods apply
What's Covered:
- ✓ 70% back on eligible vet bills
- ✓ Accident coverage
- ✓ Illness coverage
- ✓ Surgery and hospitalization
- ✓ Medications and prescriptions
- ✓ Emergency care
- ✓ Diagnostic tests
- ✓ Specialist referrals
Not Included:
- ✗ Dental illness
- ✗ Alternative therapies
- ✗ Routine care
- ✗ Behavioral treatments
Plus Cover
! 70% reimbursement (lower than 80% industry standard)
Waiting period: Waiting periods apply
What's Covered:
- ✓ 70% back on eligible vet bills
- ✓ All Core Cover features
- ✓ Dental care coverage
- ✓ Alternative treatments
- ✓ Behavioral therapy
- ✓ Routine care benefits
- ✓ Third party liability
- ✓ Emergency boarding
Not Included:
- ✗ Pre-existing conditions
- ✗ Breeding costs
- ✗ Cosmetic procedures
Real Claim Examples
Broken Leg
70% reimbursement
Ear Infection
After 21-day wait
Dental Disease
Plus plan only
Emergency Surgery
After 48-hour wait
Note: Pet-n-Sur's 70% reimbursement means you pay 30% of vet costs (vs 20% with most providers offering 80%). The $0 excess option helps offset this.
Pet-n-Sur vs Other NZ Providers
| Feature | Pet-n-Sur | Southern Cross | PD Insurance |
|---|---|---|---|
| Annual Limit | Up to $9,000 | Up to $15,000 | Up to $20,000 |
| Reimbursement | 70% | Up to 80% | Up to 80% |
| Excess Options | Multiple | Multiple | Multiple |
| NZ Owned | 100% | Yes | Yes |
| Pricing | Get quote | Get quote | Get quote |
| Local Support | Yes | Yes | Yes |
Pros
- ✓ 100% NZ owned
Local support, local decisions, premiums stay in NZ
- ✓ 100% NZ owned
Local decisions, local support
- ✓ $0 excess available
No out-of-pocket costs when claiming
- ✓ Simple, no-jargon policies
Easy to understand coverage terms
Cons
- ! 70% reimbursement only
Most providers offer 80% - you pay 30% vs 20%
- ! Lower annual limits ($10K max)
PD Insurance offers $20K, Southern Cross $15K
- ! Smaller, newer company
Less established than big insurers like Southern Cross
- ! No direct vet payment
Must pay upfront and claim back (7 days)
Pet-n-Sur FAQs
Why choose a 100% NZ-owned pet insurer?
Pet-n-Sur is 100% New Zealand owned and operated. All decisions are made locally by people who understand NZ pet owners' needs. Your premiums stay in NZ, supporting local jobs and the local economy.
How does Pet-n-Sur keep premiums affordable?
As a digital-first company with lower overheads, Pet-n-Sur passes savings to customers. Their flexible plans let you choose coverage levels that fit your budget, and the $0 excess option means no surprises when claiming.
What is the claim submission process?
Claims can be submitted through the online portal, mobile app, or email. Upload your vet invoice, clinical notes, and claim form. Pet-n-Sur processes claims within 7 business days, with payments direct to your bank.
Are there breed-specific exclusions?
Pet-n-Sur covers all breeds of cats and dogs. Some breeds may have specific waiting periods for certain conditions, but no breed is excluded entirely. Contact them about your specific pet's breed.
How does the routine care benefit work?
The Plus Cover includes a $150 annual routine care allowance for: vaccinations, flea/tick/worm treatments, dental cleaning, annual health checks, and microchipping. Available after a 6-month waiting period.
What makes Pet-n-Sur different from big insurers?
Pet-n-Sur offers personalized, local service. You can talk to real NZ-based staff who know their products. They focus on simplicity - no confusing jargon, straightforward policies, and honest pricing.
Why is the reimbursement 70% instead of 80%?
Pet-n-Sur's 70% reimbursement keeps premiums more affordable. For budget-conscious pet owners, this trade-off means comprehensive cover at lower monthly costs. The $0 excess option helps offset the lower reimbursement.
What are Pet-n-Sur's age limits?
Pets must be at least 8 weeks old. Dogs must be under 9 years and cats under 12 years for new policies. Once enrolled, coverage continues for life with no upper age limit.
Learn More About Pet Insurance
Get Your Pet-n-Sur Quote
100% NZ owned pet insurance with local support and 70% reimbursement