Petplan Pet Insurance Review 2025
Now Operating as Petcover New Zealand - Lifetime Coverage Provider
Brand Transition
Petplan has rebranded as Petcover New Zealand. Customer experiences may vary following this transition.
Coverage Plans & Options
Essential
Annual Limit: $7,000
Coverage: Illness & Accidents
Duration: 12 months only
Note: Not a life cover
Most Popular
Classic
Annual Limit: $10K - $15K
Coverage: Comprehensive
Duration: Lifetime
Most popular option
Ultimate
Annual Limit: $20,000
Coverage: Maximum protection
Duration: Lifetime
Maximum coverage available
Sample Pricing
Jack Russell - Core Plan:
- • Monthly Premium: $28.60
- • Co-payment: 30%
- • Excess: $200
Pricing Factors:
- • Pet's age and breed
- • Coverage level selected
- • Chosen excess amount
Pros & Cons
Pros
- ✓ Highest coverage limits in NZ market ($20,000)
- ✓ True lifetime coverage commitment
- ✓ Good chronic condition coverage
- ✓ Quick claims processing (for many customers)
- ✓ No age-based policy termination
Cons
- ✗ Mixed customer satisfaction since rebrand
- ✗ Reports of premium increases over time
- ✗ Inconsistent claims processing experiences
- ✗ Service quality changes during transition
- ✗ Age-related excess charges for senior pets
Frequently Asked Questions
Is Petplan now Petcover?
Yes, Petplan has rebranded as Petcover New Zealand, though some materials still use the Petplan name.
What's the maximum coverage?
Up to $20,000 annually - the highest available in the NZ pet insurance market.
Are there premium increases?
Some customers report premium increases over time, particularly for older pets with additional excess charges.
Does Petplan offer lifetime coverage?
Yes, Petcover provides 'Covered for Life' policies, meaning your pet will be covered as long as you renew annually.
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