Dog insurance

Whether you’ve got an active puppy, an obedient dog or calmer older dog, we've got you covered with a range of policy options packed with added benefits to suit your needs.

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

Petcover’s dog insurance plans are designed to cover the unexpected so you can afford the care your pet deserves.
We give pet parents peace of mind by taking the financial worry out of having a puppy or dog. 

As pet insurance specialists, we offer New Zealand’s most comprehensive policy options packed with added benefits to suit every pet and budget.
You can choose from our four plans: Superior, Mid-point, Entry, and Economy. Each plan offers different benefits and levels of cover.
Our comparison table below outlines the key differences between our plans to help you choose the option right for you and your pet. 

Benefits

  • Veterinary fee cover

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

    Up to $20,000

  • Umbrella for life

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

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year and you are legally responsible.

    Up to $5 million

  • 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 $4,000

  • Boarding fees

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

    Up to $2,000

  • Advertising & reward

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

    Up to $2,000

  • Loss by theft or straying

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

    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 dog requiring lifesaving medical help.

    Up to $2,000

  • Quarantine expenses & loss of documents

    Cover for costs associated with your dog 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 dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess - standard breeds

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

  • Fixed excess - select breeds

    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 periods

    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 dog (or the market value) if your dog dies of an illness before 8 years of age.

    Up to $2,000

  • Death from injury

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

    Up to $2,000

Optional extras

  • Death from illness

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

    Included in plan.

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your dog 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 dogs lifetime, provided there is no break in cover.

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year and you are legally responsible.

    Up to $3 million

  • 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 dog at a licensed kennel, or towards the cost of someone looking after your dog 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 dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog 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 dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses & loss of documents

    Cover for costs associated with your dog 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 dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess - standard breeds

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

  • Fixed excess - select breeds

    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 periods

    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 dog (or the market value) if your dog dies of an illness before 8 years of age.

  • Death from injury

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

Optional extras

  • Death from illness

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

    Up to $1,500

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your dog 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 dogs lifetime, provided there is no break in cover.

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year and you are legally responsible.

    Up to $3 million

  • 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 dog at a licensed kennel, or towards the cost of someone looking after your dog 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 dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog 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 dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses & loss of documents

    Cover for costs associated with your dog 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 dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess - standard breeds

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

  • Fixed excess - select breeds

    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 periods

    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 dog (or the market value) if your dog dies of an illness before 8 years of age.

  • Death from injury

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

Optional extras

  • Death from illness

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

    Up to $1,500

Benefits

  • Veterinary fee cover

    Covers the cost of veterinary treatment your dog 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 dogs lifetime, provided there is no break in cover.

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year and you are legally responsible.

    Up to $1 million

  • 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 dog at a licensed kennel, or towards the cost of someone looking after your dog 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 dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog 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 dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses & loss of documents

    Cover for costs associated with your dog 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 dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess - standard breeds

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

  • Fixed excess - select breeds

    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 periods

    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 dog (or the market value) if your dog dies of an illness before 8 years of age.

  • Death from injury

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

Optional extras

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog 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 dog (or the market value) if your dog 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 dog (or the market value) if your dog 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 dog receives during the insurance period to treat injury, accident or illness.

Up to $20,000

Up to $15,000

Up to $10,000

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 dogs lifetime, provided there is no break in cover.

Third party liability

Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your dog during the policy year and you are legally responsible.

Up to $5 million

Up to $3 million

Up to $3 million

Up to $1 million

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 $4,000

Up to $2,000

Up to $2,000

Up to $1,000

Boarding fees

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

Up to $2,000

Up to $1,000

Up to $1,000

Up to $1,000

Advertising & reward

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

Up to $2,000

Up to $1,000

Up to $1,000

Up to $1,000

Loss by theft or straying

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

Up to $2,000

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 dog requiring lifesaving medical help.

Up to $2,000

Up to $1,000

Up to $1,000

Up to $1,000

Quarantine expenses & loss of documents

Cover for costs associated with your dog 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

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog 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 - standard breeds

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

Fixed excess - select breeds

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 periods

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 dog (or the market value) if your dog dies of an illness before 8 years of age.

Up to $2,000

Death from injury

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

Up to $2,000

Optional extras

Death from illness

Cover for the price you paid for your dog (or the market value) if your dog 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 $1,000

Up to $1,000

Death from injury

Cover for the price you paid for your dog (or the market value) if your dog 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 $1,000

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value) if your dog 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 black hound dog resting its head on its owners lap whilst being pat

Get a dog insurance quote today

From your poodle to your pomeranian – our wide range of dog insurance is for everyone. Get a quote and see if you can save.

Dog insurance policy information

View the dog insurance policy disclosure statement 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 dog gets sick or injured, that’s why we want to settle your claim as quickly as possible.