AA Pet Insurance
AA Pet Insurance Policy
Wording v2025-04-05 · confidence: verified
Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded under Section 4 – General Exclusions.
Behavioural Cover in NZ Pet Insurance
Anxiety, aggression, compulsive behaviours, separation anxiety, noise phobia — most NZ pet insurers historically excluded behavioural conditions entirely. The market is shifting: some now cover veterinary-behaviourist consultations + behaviour-modifying medication, often with separate sublimits. This page documents each insurer's behavioural-cover stance + which professional credentials are required for claims (veterinarian vs veterinary behaviourist vs trainer).
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
Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded.
Petcover (Petplan NZ)
Petcover Catastrophe Plan
Wording v2026-05-17 · confidence: verified
Not explicitly covered or described as a named benefit. 'Condition' is defined to include 'deviant behaviour'. No specific behavioural cover sublimit or veterinary behaviourist requirement is stated.
Southern Cross Pet Insurance
AcciPet (Accident-only)
Wording v2023-12-01 · confidence: verified
We don't cover any behavioural or psychological conditions, which are things like anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as products or medications, training, socialisation, behavioural therapy, psychological therapy.
Southern Cross Pet Insurance
FreeCover (Trial)
Wording v2025-09-01 · confidence: verified
We don't cover any behavioural or psychological conditions, which are things like: anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as: products or medications, training, socialisation, behavioural therapy, psychological therapy.
Southern Cross Pet Insurance
PetCare (Comprehensive)
Wording v2023-12-01 · confidence: verified
Behavioural or psychological conditions are not covered. This includes anxiety disorders, depression, aggression, excessive barking, and treatment related to behavioural or psychological conditions such as products or medications, training, socialisation, behavioural therapy, and psychological therapy.
SPCA Pet Insurance
Big Stuff Cover
Wording v2026-05-17 · confidence: verified
Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are not covered.
SPCA Pet Insurance
The Works (Comprehensive)
Wording v2026-05-17 · confidence: verified
Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are listed as general exclusions.
Tower Pet Insurance
Pet Comprehensive + Essentials
Wording v2026-05-18 · confidence: verified
Alternative therapy as defined includes behavioural therapy where administered by, prescribed by or supervised by a vet to treat, or to complement treatment for your pet's illness or injury, covered up to $500 (Comprehensive) or $350 (Essentials) per period of cover under the alternative therapy sub-limit.
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)
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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.