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Read moreReptile and turtle insurance
Whether you’ve got a bearded dragon, gecko, turtle or tortoise we've got your scaley friend covered with a range of policy options packed with added benefits to suit your needs.
Compare our plans to find the best pet 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 reptile or turtle, we acknowledge the financial challenges that can arise when unexpected illnesses or injuries affect your cherished companions.
We provide three levels 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.
Benefits
-
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
The non-refundable amount you will be required to pay for claims covered under this policy.
$75 or $175
-
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 -
Age limits
The age range you can start cover for your pet.
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Optional extras
-
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Up to the purchase
price or market value(not offered on mammals)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Up to the purchase
price or market value
Excess: 10% of the value of the pet
Benefits
-
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
The non-refundable amount you will be required to pay for claims covered under this policy.
$75 or $175
-
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 -
Age limits
The age range you can start cover for your pet.
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Optional extras
-
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Up to the purchase
price or market value(not offered on mammals)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Up to the purchase
price or market value
Excess: 10% of the value of the pet
Benefits
-
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
The non-refundable amount you will be required to pay for claims covered under this policy.
$75 or $175
-
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 -
Age limits
The age range you can start cover for your pet.
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Optional extras
-
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Up to the purchase
price or market value(not offered on mammals)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Up to the purchase
price or market value
Excess: 10% of the value of the pet
Benefits
Premier
Plus
Value
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
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
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
Age limits
The age range you can start cover for your pet.
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Reptiles – 12 weeks – no limit
Tortoises and turtles – 12 weeks – 50 years
Optional extras
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
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
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
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
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
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
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
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
The policy above applies to the reptile and turtle insurance policies only. 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 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 to learn more.
Blue-tongued skink or Blue-tongued Lizard
The leopard gecko is smiling and shows tongue
Red-eared slider basking in sun at Adhari canal, Bahrain
Beautiful terrestrial turtle, Hermann's tortoise
Eastern Water Dragon
Basking Eastern Box turtle macro portrait
Types of reptiles and turtles we cover
We cover a wide variety of reptiles and turtles. Here are just a few:
- Red-eared Slider Turtle
- Tortoise
- Box Turtle
- Australian Painted Turtle
- Eastern Bearded Dragon
- Leopard Gecko
- Blue-tongued Skink
- Eastern Water Dragon
To check your pet’s eligibility, contact us today.
Herman's Tortoise
Benefits of reptile and turtle insurance
While pet insurance for reptiles and turtles may not be as common as for traditional pets like dogs and cats, it can still offer several benefits for those who choose to invest in it. Here are four potential advantages:
- Veterinary Expenses Coverage: Reptile and turtle pet insurance can help offset the cost of veterinary care. Exotic pets like reptiles often require specialized veterinary services, which can be expensive. Insurance coverage can contribute to diagnostic tests and treatment for illnesses or injuries, ensuring that your pet receives the necessary care without putting a strain on 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: Reptiles 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 reptile or turtle 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 reptile and turtle pet insurance, it’s essential to carefully review the terms, conditions, and coverage options provided by different insurers to ensure that the policy meets the specific needs of your exotic pet.
lizard-insurance-new-zealand-petcover-03
Get an exotic pet insurance quote today!
Choosing the right service provider and the right insurance will help you care for your companion. Call us, and our friendly consultants will happily discuss the best options to suit your needs!
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 is when your cat gets sick or injured; that’s why we want to settle your claim as quickly as possible.
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Get award-winning pet insurance
Investing in a reptile and turtle 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.