Pet Insurance Cost Guide NZ 2025
Everything you need to know about pet insurance costs and how to get the best value.
Average Costs by Coverage Type
Accident Only: $25-35/month
Basic coverage for unexpected injuries
Comprehensive: $45-65/month
Accidents + illnesses coverage
Premium + Wellness: $60-85/month
Complete coverage including routine care
Factors Affecting Cost
- Pet's age (older pets cost more)
- Breed (some breeds have higher premiums)
- Location (city vs rural areas)
- Coverage level selected
- Excess/deductible amount
- Pre-existing conditions