Tower Pet Insurance Review 2025
New Zealand's Newest Major Insurance Brand in Pet Coverage
Company Overview
Tower Pet Insurance represents the entry of one of New Zealand's most established insurance brands into the pet insurance market. Launched in late 2021, Tower brings over 150 years of New Zealand insurance heritage to pet coverage, managed by AWP Services New Zealand Limited (trading as Allianz Partners) and underwritten by Tower Limited.
Tower's unique selling points include no waiting periods for accidents and no age restrictions for new policies, making them particularly appealing for senior pets and accident-prone animals. However, the mandatory 20% co-payment and limited customer feedback due to recent market entry are important considerations.
Overall Rating
Limited reviews - new to market
Coverage Plans
Accident Only
Basic accident coverage with no waiting period
- No waiting period
- 20% co-payment
- $2,000 per condition
Essentials
Comprehensive injury and illness coverage
- 14-day illness wait
- 20% co-payment
- Injury & illness
Comprehensive
Full coverage with added benefits
- Highest coverage
- Extra benefits
- Routine care options
Key Features
No Accident Wait Period
Tower is the only NZ insurer with zero waiting period for accidents. Coverage begins immediately for accidental injuries.
- • 0 days for accidents
- • 14 days for illness
- • 90 days for dental
No Age Limits
Unlike most NZ insurers, Tower accepts pets of any age for new policies. No upper age restrictions.
- • No entry age limit
- • Lifetime coverage
- • Senior pet friendly
Mandatory Co-payment
All plans require a 20% co-payment on every claim. This cannot be reduced or waived.
On every single claim
Major Brand Backing
Managed by Allianz Partners and underwritten by Tower Limited with 150+ years NZ heritage.
- • Allianz Partners management
- • Tower Limited underwriting
- • 150+ years experience
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