Who sells pet insurance

Issued by The Hollard Insurance Company Pty Limited, distributed by the New Zealand Automobile Association, and administered by PetSure (AA’s own wording).

• One plan, with a choice of three annual benefit limits: $5,000, $10,000 or $15,000.
• A 20% co-payment applies per claim, and you choose an excess of $0, $100, $250 or $500.
• Pets can start from 8 weeks old up to their 9th birthday, with no upper age limit once insured.
• Waiting periods: 14 days for illness, none for accidental injury.
• Sub-limits include $3,200 for cruciate ligament conditions and $600 for dental illness.
• AA says some pre-existing conditions may be covered after 18 months.

Animals

Cats and dogs.

How to buy

Online quote, or 0800 700 555.

Issued by Cove Limited under authority from the underwriter, Aioi Nissay Dowa Insurance Company Limited (Cove’s own wording).

• Three policy types: Accident Only, Major, and Major + Minor.
• Accident Only: $500 excess, 10% co-pay, $5,000 annual aggregate limit.
• Major: $1,000 excess, 10% co-pay, $25,000 limit. Major + Minor: variable excess, 20% co-pay, $25,000 limit.
• No waiting period for accidental injuries, 21 days for illness, and 6 months for cruciate ligament conditions.
• Pre-existing conditions are not covered, including conditions that develop during the stand-down period.

Animals

Cats and dogs.

How to buy

Online, or 0800 268 347.

Underwriter not confirmed on the pages we could load.

• Three plans with overall annual benefit limits: Accident Plan $5,000, Classic Plan $10,000 and Deluxe Plan $20,000.
• PD says it pays 100% of eligible vet bills, less your excess.
• PD says it does not cover pre-existing or congenital conditions.

Animals

Dogs and cats.

How to buy

Online.

PD’s site blocked most of our checks, so age limits, waiting periods and excess amounts are not shown here. See their site for those.

The insurer is Provident Insurance Corporation Limited; Petcover is the administrator (Petcover’s own wording).

• Three plan ranges: Superior, Mid-range and Safety-net, sold as cover for the life of the pet.
• Veterinary fee limits include up to $20,000 on Superior, up to $15,000 on Key, and up to $5,000 on Catastrophe 1.
• Superior has a $175 excess, with a 20% co-payment added from age 8 and 35% from age 10.
• Key offers co-payment options of 10%, 20% or 30% and excess options of $0, $100 or $200.
• Most plans start from 8 weeks up to the 8th birthday (5th for some breeds); Safety-net plans have no upper start age.
• Superior waiting periods: none for injury, 21 days for illness, 365 days for Brachycephalic Obstructive Airway Syndrome. Key: 28 days for illness, 6 months for cruciate ligament benefit.
• Pre-existing conditions are not eligible, but other issues are still covered.

Animals

Dogs, cats, horses and exotic animals including reptiles, birds and guinea pigs.

How to buy

Online quote, or 0800 255 426.

Pet-n-Sur says it underwrites its own policies (Beneficial Insurance Limited).

• Six dog plans: Titanium ($18,000 annual cover, 20% co-pay), Platinum ($9,000, 20%), Rhodium ($6,000, $300 flat co-pay), Silver ($4,000, 30%), Dental 360 ($1,500, 20%) and Surgery ($1,500, 10%).
• Cover from 6 weeks old.
• A 21-day stand-down for medical treatment and 7 days for accidents, waived when the policy renews.
• Pre-existing conditions are not covered.

Animals

The plans above are its dog plans. Pet-n-Sur also has rabbit and horse insurance pages; check its site for cat plans.

How to buy

Instant online quote, or 0800 738 678.

Underwritten by Southern Cross Pet Insurance Limited.

• Two products: PetCare covers illness and accidental injury; AcciPet covers accidental injury only.
• PetCare annual benefit limits from $2,500 to $15,000; AcciPet has a $5,000 annual benefit limit.
• One sub-limit: $2,500 or $5,000 for cruciate ligament conditions.
• You choose an annual excess and co-payment. The excess is annual, not per claim or per condition.
• Puppies and kittens from 8 weeks. PetCare must start before age 7; AcciPet can start at any age.
• Illness is covered after the first 21 days; cruciate ligament and patella luxation after 90 days.
• Pre-existing conditions are not covered.

Animals

Cats and dogs only.

How to buy

Online, or 0800 800 836.

Issued by The Hollard Insurance Company Pty Ltd, distributed by Greenstone Financial Services NZ Limited, administered by PetSure (SPCA Pet Insurance’s own wording).

• Everyday Cover: $11,000 annual limit, no excess, up to 70% of eligible vet bills back, with a $2,000 annual condition limit.
• The Works Cover: $20,000 annual limit, no excess, up to 80% back, for pets aged 8 weeks to 9 years.
• Big Stuff Cover: $25,000 annual limit, $1,000 excess, up to 90% back.
• Pre-existing conditions are excluded.

Animals

Cats and dogs.

How to buy

Online quote, or 0800 812 020.

Issued and managed by AWP Services New Zealand Limited trading as Allianz Partners, underwritten by Tower Limited (Tower’s own wording).

• Three plans: Accident Only, Essentials and Comprehensive.
• Every plan has a mandatory 20% co-payment and no fixed excess.
• Pets can start from 8 weeks old up to their 8th birthday (5th for some breeds).
• A 14-day waiting period for illness and routine care, and 90 days for the optional dental benefit.
• Pre-existing conditions are not covered, including conditions that develop during the waiting period.

Animals

Cats and dogs.

How to buy

Quote and buy online.