Cat insurance

Whether you’ve got a young kitten, active cat or an older cat, we've got you covered with a range of cat insurance policy options packed with added benefits to suit your needs.

Compare our plans to find the best level of cover for your cat

We know how inquisitive cats can be whether they’re house cats or roam outside and, whilst they usually land on their feet, Petcover policies are designed to be as straightforward and stress-free as possible should the unexpected occur. From a young explorer to a more mature feline, we’ve got you covered.

As pet insurance specialists, we offer New Zealand’s best range of policies for your cat – Superior, Mid-point, Entry and Safety-net economy; each offering different benefits and layers of protection, from full protection to just the basics. Our comparison table below outlines the key differences to help you choose the most suitable option for you and your pet. 

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $15,000

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cats lifetime, provided there is no break in cover.

  • Complementary treatment & alternative therapy

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital.

  • Advertising & reward

    Cover to assist with the cost of advertising and the reward offered, if your cat is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

  • Quarantine expenses & loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Multi-pet discount (3 or more pets)

    Cover the cost of multiple pets

  • Waiting period

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Cover for injury starts as soon as we accept your application.
    We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age.

Optional extras

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age, 5 years of age for select breeds.

    Included in plan.

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age, 5 years of age for select breeds.

    Included in plan.

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

    Included in plan.

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $10,000

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cats lifetime, provided there is no break in cover.

  • Complementary treatment & alternative therapy

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital.

    Up to $500

  • Advertising & reward

    Cover to assist with the cost of advertising and the reward offered, if your cat is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $500

  • Quarantine expenses & loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Multi-pet discount (3 or more pets)

    Cover the cost of multiple pets

  • Waiting period

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Cover for injury starts as soon as we accept your application.
    We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age.

Optional extras

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age, 5 years of age for select breeds.

    Up to $1,500

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age, 5 years of age for select breeds.

    Up to $1,500

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

    Up to $1,500

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $9,000

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cats lifetime, provided there is no break in cover.

  • Complementary treatment & alternative therapy

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $2,000

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital.

    Up to $500

  • Advertising & reward

    Cover to assist with the cost of advertising and the reward offered, if your cat is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $500

  • Quarantine expenses & loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Multi-pet discount (3 or more pets)

    Cover the cost of multiple pets

  • Waiting period

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Cover for injury starts as soon as we accept your application.
    We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age.

Optional extras

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age, 5 years of age for select breeds.

    Up to $1,500

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age, 5 years of age for select breeds.

    Up to $1,500

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

    Up to $1,500

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $7,000

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cats lifetime, provided there is no break in cover.

  • Complementary treatment & alternative therapy

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $1,000

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital.

    Up to $1,000

  • Advertising & reward

    Cover to assist with the cost of advertising and the reward offered, if your cat is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

    Up to $1,000

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses & loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Multi-pet discount (3 or more pets)

    Cover the cost of multiple pets

  • Waiting period

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Cover for injury starts as soon as we accept your application.
    We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age.

Optional extras

  • Death from illness

    Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age, 5 years of age for select breeds.

    Up to $1,000

  • Death from injury

    Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age, 5 years of age for select breeds.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

    Included in plan.

Benefits

Superior

Mid-point

Entry

Safety-net economy

Veterinary fee cover

Covers the cost of veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

Up to $10,000

Up to $9,000

Up to $7,000

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cats lifetime, provided there is no break in cover.

Complementary treatment & alternative therapy

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $2,000

Up to $1,000

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital.

Up to $500

Up to $500

Up to $1,000

Advertising & reward

Cover to assist with the cost of advertising and the reward offered, if your cat is stolen or goes missing.

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

Up to $1,000

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $500

Up to $500

Up to $1,000

Quarantine expenses & loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

Multi-pet discount (3 or more pets)

Cover the cost of multiple pets

Waiting period

Is the initial period during which no benefit is payable for the mentioned conditions.

Cover for injury starts as soon as we accept your application.
We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

Cover for injury starts as soon as we accept your application.
We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

Cover for injury starts as soon as we accept your application.
We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

Cover for injury starts as soon as we accept your application.
We cannot provide cover for conditions showing clinical signs before taking out your policy or any illness showing clinical signs in the first 21 days of your insurance.

Death from illness

Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age.

Death from injury

Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age.

Optional extras

Death from illness

Cover for the price you paid for your cat (or the market value) if your cat dies of an illness before 8 years of age, 5 years of age for select breeds.

Included in plan.

Up to $1,500

Up to $1,500

Up to $1,000

Death from injury

Cover for the price you paid for your cat (or the market value) if your cat dies of an injury before 8 years of age, 5 years of age for select breeds.

Included in plan.

Up to $1,500

Up to $1,500

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return.

Included in plan.

Up to $1,500

Up to $1,500

Included in plan.

image of a birman cat sitting perched on a table whilst its owner works behind it

Get a cat insurance quote today

From your manx to your maine coon – our wide range of cat insurance is for everyone. Get a quote today and see if you can save.

Cat insurance policy information

View the cat insurance combined Financial Services Guide (FSG) and policy wording for full terms and conditions. For more information, please see our FAQs.

Making a claim

We understand how stressful it is when your cat gets sick or injured, that’s why we want to settle your claim as quickly as possible.