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Exotic pet insurance

Your exotic animal can now be covered! From reptiles and turtles to birds and small mammals, we offer a range of policy options packed with added benefits to suit.

New Zealand's first exotic insurance provider

The exotic pet insurance offering gives more pet owners the same peace of mind as Petcover policies provide cat, dog, and horse owners in New Zealand. Designed to offer you choice, flexibility, and a variety of added benefits, this allows New Zealand pet owners access coverage that caters to a variety of pets and their needs.

Compare cover types to find the best insurance for your exotic animal

We understand that exotic pets hold a special place in your family, just like cats and dogs. Recognising the unique bond you share with your reptiles, turtles, birds, rabbits, and other exotic animals, we acknowledge the financial challenges that can arise when unexpected illnesses or injuries affect your cherished companions.

We provide three types of coverage to cater to your specific needs: Premier, Plus, and Value. The comparison table below highlights the key benefits to help with your decision-making process, empowering you to select the option that aligns with your and your pet’s requirements.

Simply choose your level of cover

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

    Cover for the cost of eligible veterinary treatment your pet has received during the policy year to treat injury and illness.

    $6,000

  • Fixed excess – birds, reptiles and turtles

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

    $75 or $175

  • Fixed excess – mammals

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

  • Alternative or complementary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $500
    Excess: fixed excess +10% of
    the eligible balance

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Cost of the veterinary treatment when referred
    Excess: fixed excess +30% of
    the eligible balance

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    The cost of MRI, NMRI or CT
    or CA scans up to the maximum benefit
    Excess: fixed excess + 50%
    of the eligible balance

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    Up to $500
    Excess: $75

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your pet

    Up to $1,000,000
    Excess: $500

Optional extras

  • Death from illness or injury

    Not offered on mammals

    Up to the purchase
    price or market value

    (not offered on mammals)

     

  • Loss from theft, fire or weather perils

    Not offered on mammals

    Up to the purchase
    price or market value
    Excess: 10% of the value of the pet

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for birds of prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    Up to the purchase
    price or market value
    Excess: 50% of the value of
    the purchase price/market value

Age limits

  • Birds

    Age your pet is eligible for cover

    12 weeks – no limit

  • Reptiles

    Age your pet is eligible for cover

    12 weeks – no limit

  • Tortoises and turtles

    Age your pet is eligible for cover

    12 weeks – 50 years

  • Mammals

    Age your pet is eligible for cover

    N/A

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

    Cover for the cost of eligible veterinary treatment your pet has received during the policy year to treat injury and illness.

    $4,000

  • Fixed excess – birds, reptiles and turtles

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

    $75 or $175

  • Fixed excess – mammals

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

    $125 or $225

  • Alternative or complementary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $400
    Excess: fixed excess +10% of
    the eligible balance

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Cost of the veterinary treatment when referred
    Excess: fixed excess +30% of
    the eligible balance

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    The cost of MRI, NMRI or CT
    or CA scans up to the maximum benefit
    Excess: fixed excess + 50%
    of the eligible balance

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    Up to $500
    Excess: $75

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your pet

    Up to $1,000,000
    Excess: $500

Optional extras

  • Death from illness or injury

    Not offered on mammals

    Up to the purchase
    price or market value

    (not offered on mammals)

  • Loss from theft, fire or weather perils

    Not offered on mammals

    Up to the purchase
    price or market value
    Excess: 10% of the value of the pet

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for birds of prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    Up to the purchase
    price or market value
    Excess: 50% of the value of
    the purchase price/market value

Age limits

  • Birds

    Age your pet is eligible for cover

    12 weeks – no limit

  • Reptiles

    Age your pet is eligible for cover

    12 weeks – no limit

  • Tortoises and turtles

    Age your pet is eligible for cover

    12 weeks – 50 years

  • Mammals

    Age your pet is eligible for cover

    8 weeks – 5 years
    Chinchillas Only – 8 weeks to 8 years

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

    Cover for the cost of eligible veterinary treatment your pet has received during the policy year to treat injury and illness.

    $2,000

  • Fixed excess – birds, reptiles and turtles

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

    $75 or $175

  • Fixed excess – mammals

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

    $125 or $225

  • Alternative or complementary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $300
    Excess: fixed excess +10% of
    the eligible balance

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Cost of the veterinary treatment when referred
    Excess: fixed excess +30% of
    the eligible balance

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    The cost of MRI, NMRI or CT
    or CA scans up to the maximum benefit
    Excess: fixed excess + 50%
    of the eligible balance

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    Up to $500
    Excess: $75

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your pet

    Up to $1,000,000
    Excess: $500

Optional extras

  • Death from illness or injury

    Not offered on mammals

    Up to the purchase
    price or market value

    (not offered on mammals)

  • Loss from theft, fire or weather perils

    Not offered on mammals

    Up to the purchase
    price or market value
    Excess: 10% of the value of the pet

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for birds of prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    Up to the purchase
    price or market value
    Excess: 50% of the value of
    the purchase price/market value

Age limits

  • Birds

    Age your pet is eligible for cover

    12 weeks – no limit

  • Reptiles

    Age your pet is eligible for cover

    12 weeks – no limit

  • Tortoises and turtles

    Age your pet is eligible for cover

    12 weeks – 50 years

  • Mammals

    Age your pet is eligible for cover

    8 weeks – 5 years
    Chinchillas Only – 8 weeks to 8 years

Simply choose your level of cover

Benefits

Premier (not available for mammals)

Plus

Value

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

Cover for the cost of eligible veterinary treatment your pet has received during the policy year to treat injury and illness.

$6,000

$4,000

$2,000

Fixed excess – birds, reptiles and turtles

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

$75 or $175

$75 or $175

$75 or $175

Fixed excess – mammals

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

$125 or $225

$125 or $225

Alternative or complementary treatment

Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

Up to $500
Excess: fixed excess +10% of
the eligible balance

Up to $400
Excess: fixed excess +10% of
the eligible balance

Up to $300
Excess: fixed excess +10% of
the eligible balance

Referral hospital or specialist vet

The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

Cost of the veterinary treatment when referred
Excess: fixed excess +30% of
the eligible balance

Cost of the veterinary treatment when referred
Excess: fixed excess +30% of
the eligible balance

Cost of the veterinary treatment when referred
Excess: fixed excess +30% of
the eligible balance

Diagnostic examinations

Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

The cost of MRI, NMRI or CT
or CA scans up to the maximum benefit
Excess: fixed excess + 50%
of the eligible balance

The cost of MRI, NMRI or CT
or CA scans up to the maximum benefit
Excess: fixed excess + 50%
of the eligible balance

The cost of MRI, NMRI or CT
or CA scans up to the maximum benefit
Excess: fixed excess + 50%
of the eligible balance

Advertising and reward

Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

Up to $500
Excess: $75

Up to $500
Excess: $75

Up to $500
Excess: $75

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your pet

Up to $1,000,000
Excess: $500

Up to $1,000,000
Excess: $500

Up to $1,000,000
Excess: $500

Optional extras

Death from illness or injury

Not offered on mammals

Up to the purchase
price or market value

(not offered on mammals)

 

Up to the purchase
price or market value

(not offered on mammals)

Up to the purchase
price or market value

(not offered on mammals)

Loss from theft, fire or weather perils

Not offered on mammals

Up to the purchase
price or market value
Excess: 10% of the value of the pet

Up to the purchase
price or market value
Excess: 10% of the value of the pet

Up to the purchase
price or market value
Excess: 10% of the value of the pet

Loss from not returning whilst flying (birds of prey only)

Provides a claimable benefit for birds of prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

Up to the purchase
price or market value
Excess: 50% of the value of
the purchase price/market value

Up to the purchase
price or market value
Excess: 50% of the value of
the purchase price/market value

Up to the purchase
price or market value
Excess: 50% of the value of
the purchase price/market value

Age limits

Birds

Age your pet is eligible for cover

12 weeks – no limit

12 weeks – no limit

12 weeks – no limit

Reptiles

Age your pet is eligible for cover

12 weeks – no limit

12 weeks – no limit

12 weeks – no limit

Tortoises and turtles

Age your pet is eligible for cover

12 weeks – 50 years

12 weeks – 50 years

12 weeks – 50 years

Mammals

Age your pet is eligible for cover

N/A

8 weeks – 5 years
Chinchillas Only – 8 weeks to 8 years

8 weeks – 5 years
Chinchillas Only – 8 weeks to 8 years

 Terms, conditions, and excesses apply and may vary at renewal. Cover is subject to acceptance criteria. Policy limits and exclusions may apply. Please consider the PDS before making a decision to purchase the product.

New Zealand has strict rules about importing exotic, rare, and unusual animals. For more information, visit New Zealand Customs and the Ministry for Primary Industries.

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Why should you get exotic pet insurance?

There are many benefits you may get when you buy exotic pet insurance, including:

  • Pet insurance can permit you to choose the vet of your choice and ensure that your pet gets the best care from the best experts.
  • You do not have to constantly worry about your pet’s well-being when you have pet insurance. You can take them to receive veterinary attention and safeguard their health.
  • You can be prepared for emergency situations.

Get a quote for your pet today

Read our policy documents

View the exotic insurance policy wording 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.

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Get Award-Winning Pet Insurance

Investing in an insurance policy for your exotic pet is a great way to reduce your expenses and provide your pet with care. However, it is essential to buy a policy from a reliable service. Thus, we suggest connecting with our professionals at Petcover New Zealand to get affordable policies.