AA Pet Insurance
AA Pet Insurance Policy
Wording v2025-04-05 · confidence: verified
dental: 180 · illness: 14 · accident: 0 · cruciate_ligament: 180
Waiting Periods in NZ Pet Insurance
Waiting periods are the no-claim windows after policy commencement. NZ pet insurers typically split: accidents (1-3 days), illnesses (14-30 days), specific orthopaedic conditions like cruciate ligament rupture (6-24 months), behavioural conditions (often 6+ months). Cancer waiting periods are usually 30-90 days. This page documents each insurer's full waiting-period grid 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
illness: 21 · accident: 0 · dental_illness: 180 · everyday_stuff: 180 · cruciate_ligament: 180 · emergency_boarding: 0 · intervertebral_disc_disease: 180
Petcover (Petplan NZ)
Petcover Catastrophe Plan
Wording v2026-05-17 · confidence: verified
illness: 30 · cruciate_ligament: 180 · brachycephalic_airway_obstruction: 365
Southern Cross Pet Insurance
AcciPet (Accident-only)
Wording v2023-12-01 · confidence: verified
patella_luxation: 90 · cruciate_ligament: 90
Southern Cross Pet Insurance
FreeCover (Trial)
Wording v2025-09-01 · confidence: verified
illness: 5
Southern Cross Pet Insurance
PetCare (Comprehensive)
Wording v2023-12-01 · confidence: verified
illness: 21 · patella_luxation: 90 · cruciate_ligament: 90 · dental_care_extra: 90
SPCA Pet Insurance
Big Stuff Cover
Wording v2026-05-17 · confidence: verified
illness: 21 · accident: 0 · cruciate_ligament: 183 · emergency_boarding: 0
SPCA Pet Insurance
The Works (Comprehensive)
Wording v2026-05-17 · confidence: verified
illness: 21 · accident: 0 · cruciate_ligament: 180
Tower Pet Insurance
Pet Comprehensive + Essentials
Wording v2026-05-18 · confidence: verified
illness: 14 · accident: 0 · routine_care: 14 · dental_optional_benefit: 90
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.