Best Pet Insurance NZ - From $39.99/month

Pet insurance typically covers veterinary treatment for accidents, illnesses, and injuries. Most policies include coverage for surgeries, medications, diagnostic tests, and emergency care. Some comprehensive plans may also cover routine care, dental treatment, and alternative therapies.

The best time to insure your pet is when they're young and healthy. Getting insurance early helps avoid pre-existing condition exclusions and ensures your pet has coverage before any health issues develop. Most providers accept pets from 8 weeks old.

Generally, pre-existing conditions (health issues that began before your insurance coverage started) are not covered by pet insurance. This is why it's important to insure your pet early, before any health issues develop.

Most providers offer direct vet payments or reimbursement claims. You'll typically need to submit your vet bills and any relevant medical records. Claims can usually be submitted online, and processing times vary by provider but are generally within 5-10 working days.

Several factors affect your premium, including your pet's age, breed, species (dog or cat), where you live, the level of coverage you choose, and any optional extras. Some breeds may have higher premiums due to their predisposition to certain health conditions.