AA Pet Insurance
AA Pet Insurance Policy
Wording v2025-04-05 · confidence: verified
$5,000, $10,000 or $15,000 per policy period, as shown on your Certificate of Insurance
Annual Benefit Limits + Co-Payment Rules in NZ Pet Insurance
Annual benefit caps range from ~$15,000 (entry tier) to unlimited (comprehensive). Co-payments (the % the owner pays after excess) range from 0% (Cove) to 20% (Tower) across NZ insurers — this can double or halve a real claim payout. Excess options also matter: lower excess + higher co-pay vs higher excess + 0% co-pay are different economic shapes. This page consolidates the cost-side rules verbatim.
Showing 9 of 11 indexed products with on-file cover language for this topic. Source: each insurer's policy wording PDF (linked). 2 products are pending ingest.
Snapshot generated 2026-05-18T08:27:31.134Z. Machine-readable: facts.json · summary.md
Cove Pet Insurance
Cove Pet Insurance
Wording v2026-05-18 · confidence: verified
As stated in the certificate of insurance (combined accidental injuries and illness conditions)
Petcover (Petplan NZ)
Petcover Catastrophe Plan
Wording v2026-05-17 · confidence: verified
Catastrophe 1: Up to $5,000 Annual Benefit Limit; Catastrophe 2: Up to $10,000 Annual Benefit Limit (as shown in the Certificate of Insurance)
Southern Cross Pet Insurance
AcciPet (Accident-only)
Wording v2023-12-01 · confidence: verified
5000
Southern Cross Pet Insurance
FreeCover (Trial)
Wording v2025-09-01 · confidence: verified
2000
Southern Cross Pet Insurance
PetCare (Comprehensive)
Wording v2023-12-01 · confidence: verified
BlueRibbon $15,000 / GoldRibbon $10,000 / SilverRibbon $5,000 / BronzeRibbon $2,500 per pet per policy period
SPCA Pet Insurance
Big Stuff Cover
Wording v2026-05-17 · confidence: verified
25000
SPCA Pet Insurance
The Works (Comprehensive)
Wording v2026-05-17 · confidence: verified
20000
Tower Pet Insurance
Pet Comprehensive + Essentials
Wording v2026-05-18 · confidence: verified
Essentials: 7000 · Comprehensive: 15000
2 products with no on-file value for this topic
- PD Insurance — PD Pet Insurance (PDS) (wording pending ingest)
- PetNSur — PetNSur Rhodium / Standard (wording pending ingest)
Find the right policy for your situation
Find my policy in 60 secondsNot personalised advice. Each policy clause shown is a verbatim excerpt from the cited insurer's wording PDF — refer to the source PDF for authority in any specific case.