Pet Insurance Coverage Guide NZ 2025
Understand what pet insurance covers in New Zealand and choose the right protection for your furry friend.
What Does Pet Insurance Cover?
Accident & Illness Coverage
The most common type of pet insurance covers both accidents and illnesses, including:
- Emergency veterinary care
- Surgeries and operations
- Hospitalization
- Diagnostic tests (X-rays, blood work, ultrasounds)
- Medications and prescriptions
- Cancer treatment and chemotherapy
- Chronic conditions (diabetes, arthritis)
Optional Coverage Add-Ons
- Routine and preventive care
- Dental treatments
- Alternative therapies (acupuncture, physiotherapy)
- Behavioral therapy
- Travel coverage
What's NOT Covered
- Pre-existing conditions
- Breeding and pregnancy
- Cosmetic procedures
- Experimental treatments
- Preventable conditions (if vaccinations weren't up to date)
Frequently Asked Questions
What does comprehensive pet insurance cover?
Comprehensive pet insurance covers accidents, illnesses, surgeries, medications, diagnostic tests, emergency care, and specialist treatments.
Are routine vet visits covered?
Routine care like vaccinations and checkups are typically covered only in premium wellness plans, not basic comprehensive plans.
What is not covered by pet insurance?
Pre-existing conditions, breeding costs, cosmetic procedures, and experimental treatments are typically not covered.