New Zealand's first exotic 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. Recognizing 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
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
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
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.
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 an exotic pet insurance quote today
Flexible cover for your Exotic pet – a wide range of Exotic pet insurance cover enables an option for everyone. Get a quote today and see if you can save.
Exotic insurance policy information
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.
Making a claim
We understand how stressful it can be when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.
Get Award-Winning Pet Insurance
Investing in an exotics insurance policy 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.