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

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Compare the below 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, you can be covered.

In collaboration with our insurance partners, we offer one New Zealand’s best range of policies for your cat – Superior, Mid-range and Safety-net; each offering different benefits and layers of protection, from full protection to just the basics. The comparison table below outlines the key differences to help you choose the most suitable option for you and your pet. 

Superior – the most comprehensive insurance cover offered, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.

Benefits

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

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

    Up to $15,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $4,000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    Up to $2,000

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    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. Refer to PDS for policy limit.

    Up to $2,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    Up to $2,000

  • 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. Refer to PDS for policy limit.

    Up to $2,000

  • 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 $2,000

  • Quarantine expenses and 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

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

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

    $125
    $125+20% (8+ years)
    $125+35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

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

    Up to $10,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    Up to $1,500
    Optional extra benefit

  • 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. Refer to PDS for policy limit.

    Up to $500

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    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. Refer to PDS for policy limit.

    Up to $1,500
    Optional extra benefit

  • 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 and 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

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

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

    $125
    $125+20% (8+ years)
    $125+35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

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

    Up to $9,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000

    (Any amounts paid under this benefit are part of the Policy Aggregate  of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

    Up to $1,500
    Optional extra benefit

  • 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. Refer to PDS for policy limit.

    Up to $500

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    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. Refer to PDS for policy limit.

    Up to $1,500
    Optional extra benefit

  • 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 and 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

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

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

    $125
    $125+20% (8+ years)
    $125+35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

Superior

Mid-point

Entry

Umbrella for life

Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

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

Up to $15,000

(As shown in the Certificate of Insurance.)

Up to $10,000

(As shown in the Certificate of Insurance.)

Up to $9,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate  of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

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. Refer to PDS for policy limit.

Up to $2,000

Up to $500

Up to $500

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $2,000

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. Refer to PDS for policy limit.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

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 $2,000

Up to $500

Up to $500

Quarantine expenses and 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

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

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

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

$125
$125+20% (8+ years)
$125+35% (10+ years)

$125
$125+20% (8+ years)
$125+35% (10+ years)

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

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

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-range – most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your cat’s needs. 

Benefits

  • Umbrella for life

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

  • Veterinary fees

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

    Up to $15,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $3,000

  • Vet consultations

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

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • 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. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

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

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

    injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

Optional extras

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

  • Umbrella for life

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

  • Veterinary fees

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

    Up to $10,000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $2,500

  • Vet consultations

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

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • 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. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

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

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

    injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

Optional extras

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

  • Umbrella for life

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

  • Veterinary fees

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

    Up to $5,000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $1,500

  • Vet consultations

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

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • 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. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

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

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

    injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

Optional extras

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

Key

Vital

Core

Umbrella for life

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

Veterinary fees

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

Up to $15,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

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

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Up to $500

Annual sub limit

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. Refer to PDS for policy limit.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

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

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

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

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Optional extras

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Safety-net – accidents or illness can happen at any time, Catastrophe and Economy policies provide cover for your cat when emergency treatment is needed.

Benefits

  • Umbrella for life

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

    12 months cover from first clinical signs

  • Veterinary fees

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

    Up to $7,000
    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%

    Over 8 years up to 80%
    Over 10 years up to 65%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Within the veterinary fee limit

  • Alternative and complementary treatment

    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

    (Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

  • Death from illness

    Cover for the price you paid for your cat(or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

    Up to $1,000

    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

    Up to $1,000

    Optional extra benefit

  • 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. Refer to PDS for policy limit.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

    Up to $1,000

    Optional extra benefit

  • 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 and 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 dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Within the veterinary fee limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Within the veterinary fee limit

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Within the veterinary fee limit

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Within the veterinary fee limit

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

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

    $125
    $125+20% (8+ years)
    $125+35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks – no limit

  • Waiting periods

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

    injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

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

  • Veterinary fees

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

    Up to $5,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

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

  • Death from illness

    Cover for the price you paid for your cat(or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

  • 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. Refer to PDS for policy limit.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

  • 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 and 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 dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $1,500

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $2,500

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $3,000

    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

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

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

    injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Benefits

  • Umbrella for life

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

  • Veterinary fees

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

    Up to $10,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

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

  • Death from illness

    Cover for the price you paid for your cat(or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

  • 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. Refer to PDS for policy limit.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

  • 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 and 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 dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $3,000

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $6,000

    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

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

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

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

    injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Benefits

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

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

12 months cover from first clinical signs

Veterinary fees

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

Up to $7,000
Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Benefit percentage back on vet fees (under 8 years of age)

Reimbursement percentage back on eligible claims.

Up to 100%

Over 8 years up to 80%
Over 10 years up to 65%

Up to 100%

Up to 100%

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Up to $400

Up to $400

Alternative and complementary treatment

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

(Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat(or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

Up to $1,000

Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed.

Up to $1,000

Optional extra benefit

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. Refer to PDS for policy limit.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Up to $1,000

Optional extra benefit

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 and 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 dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $500

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Up to $3,000

365 day waiting period

Up to $6,000

365 day waiting period

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

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

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks – no limit

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

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

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wordings before making a decision to purchase the product.

cat-insurance-nz

Benefits of Cat Insurance in New Zealand

Pet insurance for cats can offer several benefits to both you and your feline friend. Here are some key benefits:

  • Veterinary Expenses Coverage: Cat insurance can help offset the cost of veterinary care. Cats often require specialized veterinary services, which can be expensive. Insurance coverage can contribute to diagnostic tests and treatment for illnesses or injuries, ensuring your pet receives the necessary care without straining your finances.

 

  • Emergency Medical Care: Accidents or sudden health issues can happen unexpectedly. Pet insurance helps cover emergency medical expenses, including treatments, surgeries, or hospitalization, ensuring that you can provide prompt and necessary care.

 

  • Diagnostic Testing and Imaging: Cats may require various diagnostic procedures, such as blood tests, X-rays, or other imaging studies. Pet insurance can help cover the costs associated with these diagnostic tools, helping veterinarians accurately diagnose and treat health issues.

 

  • Peace of Mind: Knowing you have pet insurance for your cat can provide peace of mind. It enables you to make decisions based on your pet’s health needs. This peace of mind can lead to better overall care for your pet, as you’ll be more likely to seek prompt veterinary attention when needed.

Before purchasing pet insurance, it’s essential to carefully review the terms, conditions, and coverage options provided by different insurers to ensure that the policy meets your pet’s specific needs.

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Get a cat insurance quote today

From your Manx to your Maine coon – there’s a wide range of cat insurance avaiable for everyone. Get a quote today and see if you can save.

Get a cat quote

Cat insurance policy information

View the cat insurance Product Disclosure Statement (PDS) for full terms and conditions. For more information, please see our FAQs.

If you would like to view previous policy wording documents, please call us on 0800 255 426.

Superior PDS Mid-range PDS Safety-net economy PDS Safety-net catastrophe 1 & 2 PDS

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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.

Find out more
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Get Award-Winning Pet Insurance

Investing in a cat insurance policy is the perfect way to provide the pets with better care and financial coverage and keep their finances safe. However, cat owners need to choose the right insurance services for on-time solutions. We suggest you connect with our professionals at Petcover Group New Zealand get more details and information about cat insurance.