What is ‘Umbrella for Life’?

New Zealand is a nation of animal lovers, almost more so than anywhere else in the world. In fact, according to the recent Companion Animals New Zealand 2020 report, our 4.35 million pets nearly outnumber people! The survey reports that more than 75% of dog and cat-owning New Zealanders consider their pets to be members of the family.
But just as with any family member, keeping pets happy and healthy can be expensive. Injury, accidents, and illness can happen at any time, and the reality of veterinary fees can come as quite a shock. 

At Petcover, we know how quickly vet bills can add up when illness or injury strikes your treasured pet.  That’s why we created our Umbrella For Life policies to provide cover for ongoing conditions for the duration of your pet’s life, provided that the cover is renewed each year without a break. So, with Petcover’s exclusive Umbrella For Life insurance, your furry family member can enjoy a long, happy and healthy life.

“If we use the example of where your dog’s broken/fractured limb would likely cost $4000-$10,000 depending on the severity, it is fair to say that most of us will struggle to come up with this sort of money at short notice. This creates a lot of stress, potentially forcing us to make difficult decisions,” says Dr Michelle Eyre from Mill Road Vet Clinic.

“When faced with the distressing event of an unwell or injured pet, if the animal is insured, the financial element of treatment becomes the least of your worries,” says Eyre.

Umbrella For Life insurance cover is ideal for if your pet were to develop a long-term illness, such as diabetes; or – if we were to look at the long term implications of the case mentioned above as another example – your dog develops arthritis following a broken/fractured limb and subsequently requires ongoing care. Other pet insurers have treatment cost thresholds per related condition over the life of a pet. With Petcover’s Umbrella For Life, you’ll never need to worry about these caps*, as long as you don’t cancel your policy or let it lapse at renewal.

Umbrella for Life covers your pet year after year, for your pet’s lifetime. This means you will never have to worry about financing any ongoing vet costs at the end of your policy. And you can be assured that you’re never in the dreadful position of having to choose between costs and your pet’s life. As long as your policy is renewed each year, we’ll take care of everything else 

If you’re all set to get Umbrella For Life pet insurance, you can buy a policy online today https://www.petcovergroup.com/nz/. It’s quick, easy and means your pets will get the cover they deserve. 


*With Petcover’s Superior range. Mid-range policies include some sub-limits. Issued by Sovereign Insurance Australia Pty Ltd – Australia (ABN 85 138 079 286, AFSL No. AFSL No. 342516) Consider the PDS before deciding if this product is right for you.

How Petcover can help your pet

Petcover specialises in offering quality, straightforward pet insurance with a range of policy options that suit your needs. Whether your pet is big or small, our range of cover options are packed with added benefits. Accidents can happen at any time and the reality of veterinary costs can come a quite a shock. With our range of cover levels for dogscats, and horses why not get a quote today?