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Petcover offers a fur-midable 30% pet insurance discount in recognition of the critical role veterinary nurses provide.
Read moreSmall mammal insurance
Whether you’ve got a chinchilla, goat or mouse, we've got your furry friend covered with a range of policy options packed with added benefits to suit your needs.
Compare cover types to find the best insurance for your furry friend
We understand that exotic pets hold a special place in your family, just like cats and dogs. Recognizing your unique bond with your small mammal, we acknowledge the financial challenges that can arise when unexpected illnesses or injuries affect your cherished companion.
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.
-
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 specialists 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
Age your pet is eligible for cover
N/A
Optional extras
-
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.
$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 specialists 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
Age your pet is eligible for cover
8 weeks – 5 years
Chinchillas Only – 8 weeks to 8 years
Optional extras
-
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.
$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 specialists 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
Age your pet is eligible for cover
8 weeks – 5 years
Chinchillas Only – 8 weeks to 8 years
Optional extras
-
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.
$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 specialists 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
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
Optional extras
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
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 small mammal policies only. 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.
little rabbit on the farm
Three goats
Russenkaninchen
Gray Chinchilla on a wood background outdoor
Cute Wood mouse on forest floor
Pet rat
Types of small mammals we cover
We cover a wide variety of small mammals. Here are just a few:
- Guinea pigs
- Rex guinea pigs
- Goats
- Boer goats
- Rats and mice
- Chinchillas
- Rabbits
- French lop rabbits
To check your pet’s eligibility, contact us today.
Two little baby goats in summer. Farm animals.
Benefits of small mammal insurance
Small mammal insurance policies provide New Zealand pet parents with benefits, cost reductions, and peace of mind. Let’s look at these benefits in further detail.
- Veterinary Expenses Coverage: Small mammal 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 straining your finances.
- Emergency Medical Expenses: Small mammals can be susceptible to sudden health problems or accidents. Pet insurance helps cover emergency medical expenses, including treatments, surgeries, or hospitalization, ensuring that you can provide prompt and necessary care.
- Diagnostic Tests and Imaging: Small mammals may require tests like blood work or imaging studies to identify and address health issues. Pet insurance can help cover these diagnostic procedures, aiding veterinarians in accurately diagnosing and treating small animal health concerns.
- Peace of Mind: Knowing you have pet insurance for your furry friend 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.
When considering pet insurance for small mammals, carefully review the policy terms and conditions to ensure it aligns with your pet’s specific needs. Different insurers may offer varying coverage options, so choose a plan that takes into account the potential health risks associated with the species of small mammals you own.
Chinchilla Baby Kids sitting on your hands
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 small mammal insurance policy is the perfect way to provide pets with better care and financial coverage and keep their finances safe. However, pet owners need to choose the right insurance services for on-time solutions. We suggest you connect with our professionals at Petcover Group New Zealand to get more details and information about small mammal insurance.