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Small 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, like cats and dogs, hold a special place in your family. Recognising 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.

little rabbit on the farm
Three goats
Pet rat
Russenkaninchen
Gray Chinchilla on a wood background outdoor

Types of small mammals we cover

We cover a wide variety of small mammals. Here are just a few:

  • Guinea pigs, including Rex guinea pigs
  • Goats, including Boer goats
  • Rats and mice
  • Chinchillas
  • Rabbits, including french lop rabbits

 

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

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.

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 specialised veterinary services, which can be expensive. Insurance coverage can contribute to diagnostic tests and treatment for illnesses or injuries, ensuring 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 hospitalisation, 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 needs. Different insurers may offer varying coverage options, so choose a plan that considers the potential health risks associated with the species of small mammals you own.

Chinchilla Baby Kids sitting on your hands

Get a quote for your pet today

Choosing the right service provider and the right insurance will help you care for your companion.

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 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.