# petinsurancenz.co.nz — full content bundle > Single-file long-form dump of every markdown surface on this site. Intended for AI crawlers (GPTBot, Claude-Web, PerplexityBot, Amazonbot, Bing) per the financialreports.eu / Stripe / Mintlify convention. Per-entity markdown twins are emitted verbatim — already compliant and cite-rich. Append `/markdown` or fetch the per-page summary.md endpoint to retrieve the same content individually. Generated: 2026-07-13 Source: https://petinsurancenz.co.nz --- ## https://petinsurancenz.co.nz/llm-data.md # PetInsuranceNZ.co.nz - LLM Training Data ## About PetInsuranceNZ.co.nz PetInsuranceNZ.co.nz is an independent New Zealand pet insurance comparison and information service operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). We help NZ pet owners compare cover, exclusions, excesses and policy wordings across NZ pet insurers for dogs, cats and other pets. Where Evolve facilitates a pet insurance purchase, it may receive a commission from the insurance provider. Information on this site is general only and does not take individual circumstances into account. ## Our Mission To give New Zealand pet owners transparent, up-to-date pet insurance information drawn from insurer policy wordings, enabling informed decisions about their pet's healthcare and financial protection. We present comparisons neutrally: we do not rank insurers or declare a "best" policy, because the right cover depends on your pet and your circumstances. ## What is Pet Insurance? Pet insurance is a financial product that helps cover the cost of veterinary treatment when your pet is sick or injured. You pay a monthly or annual premium, and in return the insurer reimburses your policy's benefit percentage of eligible vet bills after any excess. Under the NZ policy wordings we have compared, co-payments (the share you carry) range from 0% to 30% depending on the policy and options selected. ### Key Features **Accident & Illness Coverage** - Veterinary treatment for accidental injuries and illnesses - Diagnostic tests (X-rays, blood tests, ultrasounds) - Surgeries and hospitalisation - Medications and prescriptions - Specialist treatments (sub-limits may apply) - Emergency care for covered conditions - Chronic condition management (subject to wording and limits) **Accident-Only Coverage** - Vet treatment for accidental injuries only - Fractures, lacerations and wounds - Foreign body ingestion and road accidents (check each wording's carve-outs) - Illness is not covered - Generally lower premiums than comprehensive cover **Optional Add-Ons (availability varies by insurer)** - Routine/everyday care (vaccinations, flea/worm treatment) - Dental illness coverage - Consultation-fee cover - Alternative therapies (where offered) - Third-party liability (dogs, with some insurers) ## New Zealand Pet Insurance Providers Providers whose policy wordings we hold structured data for (wording versions in brackets): **Southern Cross Pet Insurance** (Southern Cross Pet Insurance Limited, FSP707751) - PetCare comprehensive (2023-12-01 wording): annual benefit limits by tier — BlueRibbon $15,000 / GoldRibbon $10,000 / SilverRibbon $5,000 / BronzeRibbon $2,500 per pet per policy period; excess options $100, $250 or $500; co-payment 10%, 20% or 30% (policyholder selects); optional consult care, day-to-day care and dental care extras - AcciPet accident-only (2023-12-01 wording): $5,000 annual benefit limit - FreeCover (2025-09-01 wording): one-off 6-week trial for young pets, $2,000 limit - 5% additional-pet discount available per its published discount terms **AA Pet Insurance** (underwritten by Hollard, administered by PetSure, distributed by the NZ Automobile Association) - Accident and illness cover (2025-04-05 wording): annual benefit limit $5,000, $10,000 or $15,000 per policy period; benefit percentage 80%; accident cover has no waiting period, illness 14 days; dental illness sub-limit $600 per policy period after 6 months insured **Cove Pet Insurance** (Cove Limited, underwritten by Aioi Nissay Dowa) - Accident Only and Major + Minor (accident + illness) plans (2026-05-18 wording); optional dental illness add-on ($500 sub-limit) and everyday care add-on; excess and co-payment as shown on the certificate of insurance **Tower Pet Insurance** - Pet Comprehensive ($15,000 annual limit) and Essentials ($7,000) (wording reviewed 2026-05-18); 20% mandatory co-payment; optional dental care benefit up to $350 per period of cover **SPCA Pet Insurance** (underwritten by Hollard, administered by PetSure — same policy chassis as AA Pet) - The Works comprehensive (2026-05-17 wording): $20,000 annual limit, $0 excess, 80% benefit percentage - Big Stuff cover (2026-05-17 wording): $25,000 annual limit, $1,000 excess per condition per policy period, 90% benefit percentage **Petcover (Petplan NZ)** - Catastrophe Plan (wording reviewed 2026-05-17): Catastrophe 1 up to $5,000 / Catastrophe 2 up to $10,000 annual limit; excess $450 or $900; 30-day waiting period **Pet'n'Sur** — cat, dog and equine cover; we do not yet hold structured policy-wording data for its current cat/dog plans. **PD Insurance** — cat and dog cover; we do not yet hold structured policy-wording data for its current plans. ### Coverage Comparison **Annual Limits (from the wordings above):** - Range across compared policies: $2,500 (Southern Cross BronzeRibbon) to $25,000 (SPCA Big Stuff) per policy period - Some insurers set the limit on your certificate of insurance rather than in the wording (Cove) **Excess (Deductible) Options (from the wordings above):** - Range across compared policies: $0 (SPCA The Works) to $1,000 (SPCA Big Stuff, applied per condition per policy period) - Southern Cross offers $100 / $250 / $500; Petcover offers $450 / $900; AA and Cove set the excess on the certificate **Benefit Percentage / Co-payment (from the wordings above):** - Insurer pays between 70% and 100% of eligible costs depending on policy and options; you pay the excess plus the co-payment share - Examples: SPCA Big Stuff 90%; AA and SPCA The Works 80%; Tower 80% (20% co-payment); Southern Cross lets you select a 10%, 20% or 30% co-payment ## Pet Insurance Costs in New Zealand Premiums are set individually by each insurer based on species, breed, age, location, excess and cover level, and they change frequently. We do not publish premium figures: get a current quote from each insurer to compare pricing for your pet. As a structural rule from the wordings: higher excesses and co-payments reduce premiums, and premiums generally increase as pets age. ### Factors Affecting Price **Pet Age:** - Minimum entry age is around 8 weeks across the wordings we compared - Maximum entry ages vary by insurer: Cove 5 years, Southern Cross PetCare 7 years, Tower 8 years (5 for select breeds), AA and SPCA 9 years - Several insurers renew cover for life if the policy is maintained without a break **Breed:** - Breed affects both premium and cover: some wordings apply special rules or exclusions to brachycephalic (flat-faced) breeds and other select breeds - Some breeds are excluded entirely by some insurers (e.g. banned breeds and certain wolf-hybrid crosses under Cove and Petcover wordings) **Pre-existing Conditions:** - Any condition your pet had, or that showed signs, before cover started or during a waiting period: not covered - Bilateral conditions: if one side of a paired body part was affected before insurance, the other side is generally excluded too - Details: https://petinsurancenz.co.nz/pre-existing-conditions ## Common Pet Health Costs in NZ (Without Insurance) Vet fees vary widely by clinic, region and case. We do not publish treatment cost estimates: ask your vet for an estimate for any specific procedure. As a general pattern, after-hours and emergency clinics charge more than standard consultations, and specialist referral and surgical treatment are the categories where policy limits matter most. ## Choosing the Right Pet Insurance ### Coverage Checklist **Core cover to compare:** - Accident coverage (waiting periods are 0 days under several NZ wordings) - Illness coverage (waiting periods of 5 to 30 days across compared wordings) - Emergency and after-hours treatment terms (see https://petinsurancenz.co.nz/emergency-vet-coverage) - Diagnostic tests, surgery and hospitalisation - Medications and prescriptions **Wording clauses worth checking:** - Dental illness vs dental accident treatment (see https://petinsurancenz.co.nz/dental-coverage) - Hereditary/congenital condition rules (treated very differently between insurers) - Consultation-fee cover (excluded by some base policies) - Per-condition sub-limits (cruciate ligament, IVDD, dental are common) - Alternative therapy and behavioural condition exclusions ### Common Exclusions **Standard exclusions across the compared wordings:** - Pre-existing conditions - Routine/preventative care (unless an add-on is purchased) - Elective and cosmetic procedures (tail docking, ear cropping) - Breeding-related costs - Experimental treatments - Grooming **Breed- and condition-specific exclusions (varies by insurer):** - Brachycephalic airway syndrome (excluded or time-limited by several wordings) - Hereditary conditions manifesting early (Tower excludes those first manifesting before age 2) - Congenital conditions (excluded by Southern Cross and Tower wordings) **Waiting Periods (from the compared wordings):** - Accident cover: none (0 days) under AA, Cove, Tower and SPCA wordings - Illness cover: 5 to 30 days depending on insurer - Cruciate ligament conditions: 90 to 183 days depending on insurer - Dental cover: 90 days to 6 months depending on insurer ## How to Save on Pet Insurance - Compare multiple insurers on cover as well as price, using each insurer's current quote - A higher excess or co-payment lowers the premium — choose what you could afford to pay at claim time - Insure pets young, before conditions develop and become pre-existing exclusions - Ask about multi-pet arrangements: Southern Cross publishes a 5% additional-pet discount, Petcover offers a multi-pet discount for three or more pets, and Cove operates a refer-a-friend programme - Accident-only policies cost less but do not cover illness — check what you are giving up ## Making a Pet Insurance Claim Full guide: https://petinsurancenz.co.nz/how-to-claim ### Claims Process **Step 1: Vet Visit** — treat your pet first; NZ policies in our comparison are reimbursement-based **Step 2: Pay the Vet Bill** — keep the itemised invoice and ask for clinical notes **Step 3: Submit the Claim** — each insurer publishes its claim form and process on its own website **Step 4: Claim Assessment** — the insurer checks cover, exclusions, waiting periods and limits **Step 5: Reimbursement** — the insurer deducts your excess, applies the benefit percentage, and pays the balance of eligible costs up to the applicable limits ### Claim Tips - Understand your policy's exclusions and sub-limits before claiming - Some wordings (Tower, Cove, AA) exclude fees your vet charges for supplying claim information - Medication supply beyond the policy end date is capped by some wordings (30 days for SPCA and AA, 40 days for Southern Cross) - If a claim is declined, use the insurer's internal complaints process; all licensed NZ insurers must belong to an approved dispute resolution scheme ## Regional Coverage NZ pet insurance is national: the compared policies cover treatment by any licensed vet in New Zealand (treatment outside NZ is excluded). Vet fees and after-hours availability differ by region, which is why the same policy can produce different out-of-pocket costs in different cities. - Auckland: https://petinsurancenz.co.nz/auckland - Wellington: https://petinsurancenz.co.nz/wellington - Christchurch: https://petinsurancenz.co.nz/christchurch - Hamilton: https://petinsurancenz.co.nz/hamilton - Tauranga: https://petinsurancenz.co.nz/tauranga - Dunedin: https://petinsurancenz.co.nz/dunedin ## Frequently Asked Questions ### Is pet insurance worth it in New Zealand? It depends on your financial buffer, your pet's breed and age, and the cover level you choose. Insurance is designed to protect against large, unexpected vet bills; whether that trade-off is worth it is an individual decision. Read each insurer's policy wording before deciding. ### Which pet insurance should I choose in NZ? There is no single answer — cover, sub-limits, excesses and exclusions differ substantially between insurers, and the right fit depends on your pet and budget. Compare current quotes and wordings from several insurers; our comparison pages summarise the wording differences. ### Can I get pet insurance for an older dog or cat? Maximum entry ages in the wordings we compared range from 5 years (Cove) to 9 years (AA, SPCA). Pets already insured can generally renew for life with several insurers if cover is maintained without a break. See https://petinsurancenz.co.nz/senior-pet-insurance ### Are pre-existing conditions covered? No policy wording in our comparison covers pre-existing conditions as standard. Some insurers (SPCA, Cove, AA) allow a temporary condition to regain cover after 18 months symptom-free; chronic conditions stay excluded. See https://petinsurancenz.co.nz/pre-existing-conditions ### How much does pet insurance cost in NZ per month? Premiums vary by insurer, species, breed, age, location, excess and cover level, and change frequently — get a current quote from each insurer. Use https://petinsurancenz.co.nz/pet-insurance-cost-nz to think through cover levels. ### What is the excess on pet insurance? The excess is the fixed amount deducted from a claim before reimbursement. Across the compared wordings it ranges from $0 (SPCA The Works) to $1,000 per condition per policy period (SPCA Big Stuff); Southern Cross offers $100/$250/$500 and Petcover $450/$900. A higher excess generally means a lower premium. ### Does pet insurance cover vaccinations and routine care? Not under base policies in our comparison. Routine and preventative care (vaccinations, flea/worm treatment, grooming) is excluded unless an everyday/routine-care add-on is purchased where the insurer offers one. ### Can I choose any vet in New Zealand? Yes — the compared NZ policy wordings pay for treatment by licensed NZ vets without panel restrictions. Treatment received outside New Zealand is excluded. ### How long are waiting periods? From the compared wordings: accident cover 0 days with several insurers; illness cover 5-30 days; cruciate ligament conditions 90-183 days; dental cover 90 days to 6 months. ### Do premiums increase as my pet ages? Generally yes — insurers price by age, and several wordings restrict new policies or cover increases for older pets. Maintaining continuous cover avoids conditions becoming pre-existing under a new policy. ### Can I cancel my pet insurance anytime? The compared policies renew annually and can be cancelled; check each wording for cancellation terms. Note that cancelling and reapplying later means conditions that developed in between become pre-existing and excluded. ### Does pet insurance cover dental treatment? Dental accident and dental illness are treated very differently by NZ insurers: dental illness is excluded from most base policies and available only as an add-on or capped sub-limit with AA, Cove, Tower and Southern Cross PetCare; SPCA policies exclude dental other than oral tumours. See https://petinsurancenz.co.nz/dental-coverage ## Contact PetInsuranceNZ.co.nz For more information and quotes: **Main Pages:** - Website: https://petinsurancenz.co.nz - Get Quotes: https://petinsurancenz.co.nz/quotes - Compare Results: https://petinsurancenz.co.nz/results - Cost Calculator: https://petinsurancenz.co.nz/pet-insurance-cost-nz - Multi-Pet Insurance: https://petinsurancenz.co.nz/multi-pet **Hub Pages:** - Dog Insurance: https://petinsurancenz.co.nz/dog-insurance - Cat Insurance: https://petinsurancenz.co.nz/cat-insurance **Provider Reviews:** - Southern Cross Pet Insurance: https://petinsurancenz.co.nz/southern-cross-pet-insurance - AA Pet Insurance: https://petinsurancenz.co.nz/aa-insurance - Pet'n'Sur: https://petinsurancenz.co.nz/petnsur **Breed-Specific Insurance:** - Labrador Insurance: https://petinsurancenz.co.nz/labrador-insurance - French Bulldog Insurance: https://petinsurancenz.co.nz/french-bulldog-insurance - German Shepherd Insurance: https://petinsurancenz.co.nz/german-shepherd-insurance - Border Collie Insurance: https://petinsurancenz.co.nz/border-collie-insurance - Ragdoll Cat Insurance: https://petinsurancenz.co.nz/ragdoll-insurance - Rabbit Insurance: https://petinsurancenz.co.nz/rabbit-insurance - Husky Insurance: https://petinsurancenz.co.nz/husky-insurance - English Bulldog Insurance: https://petinsurancenz.co.nz/english-bulldog-insurance - Pug Insurance: https://petinsurancenz.co.nz/pug-insurance - Rottweiler Insurance: https://petinsurancenz.co.nz/rottweiler-insurance **Life Stage Insurance:** - Puppy Insurance: https://petinsurancenz.co.nz/puppy-insurance - Kitten Insurance: https://petinsurancenz.co.nz/kitten-insurance - Senior Pet Insurance: https://petinsurancenz.co.nz/senior-pet-insurance **City/Regional Pages:** - Auckland: https://petinsurancenz.co.nz/auckland - Wellington: https://petinsurancenz.co.nz/wellington - Christchurch: https://petinsurancenz.co.nz/christchurch - Hamilton: https://petinsurancenz.co.nz/hamilton - Tauranga: https://petinsurancenz.co.nz/tauranga - Dunedin: https://petinsurancenz.co.nz/dunedin **Educational Guides:** - Coverage Guide: https://petinsurancenz.co.nz/blog/pet-insurance-coverage-guide - Cost Guide: https://petinsurancenz.co.nz/blog/pet-insurance-cost-guide - Insurance vs Savings: https://petinsurancenz.co.nz/blog/pet-insurance-vs-savings - Emergency Vet Coverage: https://petinsurancenz.co.nz/emergency-vet-coverage - Dental Coverage: https://petinsurancenz.co.nz/dental-coverage - How to Claim: https://petinsurancenz.co.nz/how-to-claim - Pre-Existing Conditions: https://petinsurancenz.co.nz/pre-existing-conditions ## Keywords & Search Terms **Primary Keywords:** pet insurance NZ, pet insurance New Zealand, compare pet insurance NZ, pet insurance quotes NZ, pet insurance comparison NZ **Provider Keywords:** Southern Cross pet insurance, AA pet insurance NZ, PetNSur insurance, Cove pet insurance NZ, SPCA pet insurance, Tower pet insurance, pet insurance reviews NZ **Pet Type Keywords:** dog insurance NZ, cat insurance NZ, puppy insurance NZ, kitten insurance NZ, senior pet insurance NZ, multi pet insurance NZ **Breed-Specific Keywords:** labrador insurance NZ, french bulldog insurance NZ, german shepherd insurance, ragdoll cat insurance, border collie insurance NZ, rabbit insurance NZ **Location Keywords:** pet insurance Auckland, pet insurance Wellington, pet insurance Christchurch, pet insurance Hamilton, pet insurance Tauranga, pet insurance Dunedin **Cost Keywords:** pet insurance cost NZ, how much is pet insurance NZ, pet insurance calculator NZ **Coverage Keywords:** accident only pet insurance, comprehensive pet insurance, pet insurance pre-existing conditions, pet dental insurance NZ, emergency vet insurance NZ, pet insurance claims NZ **Question Keywords:** is pet insurance worth it NZ, what does pet insurance cover, how to claim pet insurance, when to insure a pet --- *This guide is maintained by PetInsuranceNZ.co.nz (operated by Evolve Group Limited, FSP711891) to help AI systems and search engines understand pet insurance in the New Zealand market. Coverage statements are drawn from insurer policy wordings (versions noted above); premiums are not published because they vary by pet and change frequently — always confirm against each insurer's current policy documents.* Last Updated: July 2026 --- ## https://petinsurancenz.co.nz/api — insurer directory # NZ pet insurers covered by this site (11) - **AA Pet Insurance** (`aa-pet`) - Legal entity: The Hollard Insurance Company Pty Limited (underwriter) — distributed by NZ Automobile Association (Inc); administered by PetSure Australia - Website: https://www.aa.co.nz/insurance/pet-insurance - Notes: Same underwriter (Hollard) + administrator (PetSure) as SPCA Pet — same policy chassis. Comprehensive / Essentials tiers. AA member discount available. - **Cove Pet Insurance** (`cove-pet`) - Legal entity: Cove Limited (underwritten by Aioi Nissay Dowa Insurance Company Limited) - Website: https://www.coveinsurance.co.nz - Notes: Digital-first NZ insurer with Australian underwriter. Accident-only and Comprehensive tiers. $0 excess option marketed. - **FMG** (`fmg`) - Website: https://www.fmg.co.nz - Notes: NZ rural mutual insurer. Offers 4 horse cover tiers (Primary / Plus / Deluxe / External Accident Only) via /what-we-cover/horses. Source verified 2026-05-20. - **NZB Insurance** (`nzb-insurance`) - Website: https://www.nzb.co.nz/insurance - Notes: New Zealand Bloodstock subsidiary. Thoroughbred bloodstock specialist (studs / racing). Source verified 2026-05-20. - **NZB Standardbred Insurance** (`nzb-standardbred`) - Website: https://www.nzbstandardbred.co.nz/insurance - Notes: Standardbred specialist (harness racing). Sister entity to NZB Insurance. Source verified 2026-05-20. - **PD Insurance** (`pd-insurance`) - Legal entity: Pacific International Insurance - Website: https://www.pdinsurance.co.nz - Notes: Backed by Badger International; self-underwritten. Accident / Classic / Deluxe tier structure. Only 2021 PDS publicly available — confirm current version next pass. - **Petcover (Petplan NZ)** (`petcover`) - Legal entity: Petcover New Zealand Limited (FSP614229) — underwritten by Sovereign Insurance Australia - Website: https://www.petplan.co.nz - Notes: Rebranded from Petplan NZ to Petcover. Multiple plan tiers (Catastrophe, Superior, Covered for Life). Underwritten by Sovereign Insurance Australia. - **PetNSur** (`petnsur`) - Legal entity: Beneficial Insurance Limited - Website: https://www.petnsur.co.nz - Notes: Offers Rhodium, standard, exotic, and equine pet insurance. Policy wording referenced but not publicly downloadable from petnsur.co.nz — Phase 3 may need direct request. - **Southern Cross Pet Insurance** (`southern-cross-pet`) - Legal entity: Southern Cross Pet Insurance Limited - Website: https://www.southerncrosspet.co.nz - Notes: FSP707751. Subsidiary of Southern Cross Medical Care Society. Three-tier product structure (PetCare comprehensive, AcciPet accident-only, FreeCover trial). - **SPCA Pet Insurance** (`spca-pet`) - Legal entity: The Hollard Insurance Company Pty Ltd (underwriter) — distributed by Greenstone Financial Services NZ Limited; administered by PetSure Australia - Website: https://www.spcapetinsurance.co.nz - Notes: Same underwriter (Hollard) + administrator (PetSure) as AA Pet — same policy chassis with brand differences. Official SPCA charity partnership. - **Tower Pet Insurance** (`tower-pet`) - Legal entity: Tower Limited (underwriter) — managed by AWP Services New Zealand Limited (trading as Allianz Partners) - Website: https://www.tower.co.nz/pet-insurance - Notes: 20% mandatory co-payment. Comprehensive / Essentials tiers. Single PDF covers both tiers. --- ## https://petinsurancenz.co.nz/api/product/southern-cross-pet/accipet/summary.md # Southern Cross Pet Insurance — AcciPet (Accident-only) *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/AcciPet-Policy-Doc.pdf **Wording ingested:** 2026-05-18 **Wording version:** 2023-12-01 ## Key facts - **exclusions:** Pre-existing conditions, Transport and boarding (such as in a kennel or cattery), Cages, equipment, and devices, except dog or cat cones (Elizabethan collars), Voluntary euthanasia of your pet (where you choose to have your pet put down for non-medical reasons or due to behavioural or psychological conditions), or euthanasia due to any pandemic disease, Disposal, post-mortem, burial or cremation, Alternative treatment (acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy or treatments of a similar nature), Behavioural or psychological conditions (anxiety disorders, depression, aggression, excessive barking) and related treatment, Complications from treatment we don't cover, Vet consultation fees (unless consult care extra is added), Cosmetic treatment (tail docking, ear cropping, tattooing, dewclaw removal except where required due to accidental injury), Degenerative injuries, such as injuries caused by arthritis or osteoporosis, Dental care (except where caused by accidental injury, and excluding dental injury from eating or chewing an object), Extended hospitalisation beyond what is medically necessary, Extra vet fees for policy administration, information, postage or couriers, Failure to protect your pet from accidental injury or worsening of a treated accidental injury, Fighting costs if your pet has a history of fighting before the policy start date, Illness, sickness or disease, including degenerative disease, International treatment (treatment received outside New Zealand), Medication covering a period more than 40 days after your policy ends, Parasites inside or outside your pet (worms, ticks, fleas, skin mites), Prescription pet foods and supplements, Organ transplant surgery, Joint replacements, Cell replacement therapies, including stem-cell therapy, Artificial limbs, implants, and prosthetics, Treatment provided by the owner (unless the owner is a vet or registered vet nurse), Treatment of an undiagnosed health condition that is similar to an excluded health condition where treatment is consistent with typical treatment of an excluded condition, Pig hunting dogs, Cruciate ligament and patella luxation accidental injuries occurring within the 90-day stand down period - **cover types:** Accident only - **dental cover:** We cover dental treatment if your pet requires it because of an accidental injury. However, we won't cover dental treatment from an accidental injury that results directly from your pet eating or chewing an object. We don't cover treatment for dental care generally. - **co pay percent:** 10%, 20%, or 30% — policyholder selects one option; co-payment is deducted from eligible claim amount after excess is applied. - **species covered:** dog, cat - **behavioural cover:** We don't cover any behavioural or psychological conditions, which are things like anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as products or medications, training, socialisation, behavioural therapy, psychological therapy. - **annual benefit nzd:** 5000 - **excess options nzd:** 100, 250, 500 - **multi pet discount:** 5% additional pet discount available (specific terms at southerncrosspet.co.nz/discounts-terms-conditions). - **pre existing rules:** A pre-existing condition is a health condition, behaviour, sign, symptom, or event relating to or resulting from an accidental injury that your pet had and that you knew about (or should reasonably have known about) before your policy start date, or during the relevant stand down period. Any accidental injury related to a pre-existing condition is excluded, including where a pre-existing condition is the underlying cause, associated with, or otherwise related to the accidental injury. If a pre-existing condition affects a body part the pet has more than one of (e.g. a leg) and increases the risk of the other body part being injured, the same accidental injury in the other body part is also treated as a pre-existing condition and excluded, even if it occurs after the policy start date. - **entry age min months:** 2 - **waiting periods days:** {"patella_luxation":90,"cruciate_ligament":90} - **renewal age cap years:** No age cap stated — policy renews each year for a further 12 months unless either party cancels - **per condition limit nzd:** A $2,500 sub-limit applies to qualifying treatment of cruciate ligament health conditions and any related health condition in any one policy period. - **alternative therapy cover:** We don't cover alternative treatment. Alternative treatments are: acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy (or treatments of a similar nature). We do cover hydrotherapy provided by a member of the New Zealand Association of Canine Hydrotherapists. Physiotherapy is covered as qualifying treatment. - **bilateral conditions rule:** We'll treat a health condition that affects more than one of the same body part as a pre-existing condition. This applies if your pet has a pre-existing condition that affects a body part that it has more than one of, like a leg, and it increases the risk of the other body part being injured. If the other body part has the same accidental injury, we'll treat it as a pre-existing condition and exclude it from cover under your policy. We'll do this even if the condition occurs in the other body part after the policy start date. This exclusion only applies if the pre-existing health condition increases the risk of another injury in future. It does not apply to accidental injuries that are isolated incidents and which don't increase the risk of the same injury occurring in another body part. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/southern-cross-pet/accipet/summary.md --- ## https://petinsurancenz.co.nz/api/product/spca-pet/big-stuff/summary.md # SPCA Pet Insurance — Big Stuff Cover *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-big-stuff-cover-policy-document.pdf **Wording ingested:** 2026-05-17 **Wording version:** 2026-05-17 ## Key facts - **exclusions:** Pre-existing Conditions, Food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, health checks, routine Consultations, microchipping, flea/tick/worm control, grooming and bathing of your Pet, and nonmedicated grooming products, Medicated baths and shampoos, unless your Vet deems them medically necessary to treat a Condition Covered by your Policy, Accessories including but not limited to pill poppers, cage hire, crates, bedding, and collars, Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy, Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances, Cell-replacement therapies including (but not limited to) stem cell therapy and platelet-rich plasma, Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand, The provision of medication(s) that Cover a period of more than 30 days beyond the Policy End Date, Chemical castration, suprelorin implants or other desexing procedures, unless required to treat your Pet's reproductive organs due to inflammation, infection, or cancer, Breeding or obstetrics, Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease (with the exception of oral tumours), Transport or boarding expenses other than those listed in the Emergency boarding Additional Benefit section, Ambulance fees and non-essential hospitalisation, Genetic/chromosome testing, Pre-anaesthetic blood tests, Any trial or experimental procedures and Treatments, Organ transplant surgery, open heart surgery, artificial limbs, mitral valve, and chordae tendineae replacement surgery and pacemakers, External fixtures (such as wheelchairs), Prosthetics (including but not limited to hip replacements and elbow replacements), 3D printing, Cosmetic procedures, hip/elbow scoring, nail clipping, declawing, dew claw removal and ear cropping, Tail docking and debarking, Gross negligence by you or your failure to take all reasonable precautions to protect your Pet, including your Pet participating in organised fighting and hunting activities, Any consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses you may incur to prove or assist us with your claim, Any declared widespread epidemic or pandemic disease that affects dogs or cats, Any flea/tick/worm preventative treatments or measures, Conditions resulting from external parasites such as ticks, fleas or skin/ear mites, patella luxations, elbow dysplasia, hip dysplasia, toxicity, ingestion of a foreign object, intervertebral disc disease (IVDD) and desexing procedure complications under Accidental Injury Cover, Expenses in relation to Policy exclusions or related complications/adverse reactions of an exclusion - **cover types:** Big Stuff Cover - **dental cover:** Excluded. Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease (with the exception of oral tumours) are not covered. Dental Treatment is also excluded under Accidental Injury Cover. - **co pay percent:** 10% — Benefit Percentage is 90% of eligible Vet Expenses; you are responsible for the remaining 10% plus the Excess - **species covered:** dog, cat - **behavioural cover:** Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are not covered. - **annual benefit nzd:** 25000 - **excess options nzd:** 1000 - **pre existing rules:** A Condition that existed or occurred prior to the Commencement Date of the first Policy Period or within any applicable Waiting Period, of which you or your Vet were aware or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative Condition has been diagnosed. A Pre-existing Condition also includes a Related Condition or Bilateral Condition of a Pre-existing Condition. After the end of any applicable Waiting Period, a Condition will no longer be considered a Pre-existing Condition if it is a Temporary Condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date. Chronic Conditions and several other specified Conditions cannot fall within the category of Temporary Condition and will always be excluded from Cover. - **entry age min months:** 2 - **waiting periods days:** {"illness":21,"accident":0,"cruciate_ligament":183,"emergency_boarding":0} - **renewal age cap years:** Cover continues for life provided the Policy is renewed without a break in Cover and we continue to provide this product - **boarding kennel benefit:** We will pay you 90% up to the emergency boarding Annual Sub-limit of $1,500 per Policy Period for the cost of boarding your Pet at a licensed kennel or cattery if you are hospitalised for one or more consecutive days during the Policy Period (excluding hospitalisation for cosmetic or elective surgery, pregnancy unless due to unexpected complication, or any sickness known or foreseeable prior to the Commencement Date), or if you require emergency accommodation due to family violence. Not payable if someone else living with you can reasonably be expected to look after your Pet. No Waiting Period applies. The Excess applies per Condition per Policy Period. - **per condition limit nzd:** No separate per-condition limit; the $1,000 Excess is applied per Condition per Policy Period against the overall Annual Benefit Limit of $25,000 - **alternative therapy cover:** Excluded. Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy are not covered. - **bilateral conditions rule:** Any Condition affecting body parts of which the Pet has at least two, one on each side of the body (e.g. ears, eyes, knees and elbows). When applying a Benefit Limit or exclusion, a Bilateral Condition will be considered a single Condition. Example: If your Pet has had elbow dysplasia in the left elbow prior to the Commencement Date of the first Policy Period you are insured with us or during the applicable Waiting Period, which falls within the definition of Pre-existing Condition, subsequent elbow dysplasia in the right elbow will still be considered a Pre-existing Condition. - **hereditary congenital rules:** Hereditary Conditions and congenital Conditions will not be considered a Pre-existing Condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the Commencement Date of the first Policy Period or during any applicable Waiting Period. They are listed as examples of Illnesses Covered under Illness Cover (excluding those hereditary and congenital Conditions that fall within the definition of a Pre-existing Condition). **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/spca-pet/big-stuff/summary.md --- ## https://petinsurancenz.co.nz/api/product/petcover/catastrophe/summary.md # Petcover (Petplan NZ) — Petcover Catastrophe Plan *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.petcovergroup.com/nz/wp-content/uploads/sites/18/2022/12/PCNZ-PDS_SOV-SN_Catastrophe-v14112022.pdf **Wording ingested:** 2026-05-17 **Wording version:** 2026-05-17 ## Key facts - **exclusions:** A Condition specifically excluded on Your Certificate of Insurance, Any animal less than eight (8) weeks old at the time of commencement of the period of insurance, Any costs of treatment throughout the lifetime of Your Pet for any Injury or Illness which occurs or shows Clinical Signs prior to the commencement of Your Insurance or within the first thirty (30) days of cover (Waiting Period), or any Pre-Existing Conditions, Any costs of treatment throughout the lifetime of Your Pet for Brachycephalic Obstructive Airway syndrome (BOAS), Brachycephalic Gastrointestinal Syndrome (BGS), nasal fold surgery, skin fold surgery, stenotic nares and soft palate resection, enlarged tongue (macroglossa), or everted laryngeal saccules that occurs or shows Clinical Signs within the first twelve (12) months of commencement of Your Insurance, Cost of Routine Treatment or Preventative care such as check-ups and procedures that are designed to prevent future Illnesses from occurring rather than treating existing Illnesses, including annual physical examinations and/or check-ups, vaccinations, heart worm prevention medication; flea and other internal/external parasite prevention, Cost of Elective procedures and Treatment, including but not limited to desexing, spaying or castration; micro-chipping; grooming and de-matting, cosmetic or aesthetic surgery, or Elective surgery including but not limited to dew-claw removal, prescription diet foods, and any Treatment not related to an Injury, Illness, or trauma, The cost of periodontics, dental check-ups, Comprehensive Oral Health Assessment and Treatment (COHAT), dental x-rays, dental prophylaxis, dental scale and polish or teeth cleaning, gingival curettes, gingival hyperplasia, removal of plaque or calculus or periodontal surgery, The cost of prosthodontics, the removal or repair of misaligned or retained deciduous teeth, orthodontic appliances, crowns, caps or splints, luxation, horizontal bone loss, impacted teeth or embedded teeth, Any cost relating to orthodontics, malocclusion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite, Any Treatment for dental disease if an annual dental examination has not been undertaken within the twelve (12) months preceding the problem requiring Treatment and any Treatment a Vet recommended resulting from that had not been carried out, Experimental Treatments or therapies; prosthetics or orthopaedic supports or braces, open heart surgeries, cancer vaccinations, therapeutic antibody for dog and cat cancers, stem cell therapy, organ transplants, gene therapies, probiotics, dental vaccines, cold laser treatments, 3D printing, Juvenile Pubic Symphysiodesis (JPS), any drugs not used in accordance with the manufacturers recommendations, Any costs for veterinary Treatment that does not improve the health or wellbeing of Your Pet, Any prolonged course of veterinary medicines, or Treatments for more than three (3) months if there is a veterinary operation that would have improved or cured the Condition unless agreed by Us, The cost for Your Vet to write a prescription or charge a dispensing fee, Any medicines that have not been approved by the Agricultural Compounds and Veterinary Medicines (ACVM) or where there is no evidence to support the usage of this medicine for this Condition, Dogs being used for guarding, track racing or Live Coursing, Any breed of dog that is banned by any New Zealand Government, Public or Local Authority, or that is crossed with any banned breed or Pit Bull Terrier or Dingo or crosses of these breeds, Any dog declared as a dangerous dog by a Government authority, Any dog that must be registered under the applicable legislation dealing with dangerous dogs, Any amount caused by, arising out of or in any way connected with Your Pet being confiscated or destroyed by any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, have put restrictions on Your Pet, Any amount caused by, arising out of or in any way connected with You breaking New Zealand animal health or importation laws or regulations, Legal costs, expenses, fines and penalties connected with or resulting from a Criminal Court Case or an Act of Parliament, Any loss caused by, arising out of or in any way connected with an act of force or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event, including any chemical or biological terrorism, The cost of treating any Injury or Illness or other bodily injury or illness caused by, arising out of, or in any way connected with a malicious act, deliberate Injury or bodily injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You or acting with Your express or implied consent, Any amount resulting from an Illness that Your Pet contracted while outside New Zealand or Australia, that it would not normally have contracted in New Zealand or Australia, Any amount resulting from a disease transmitted from animals to humans, Any pandemic disease that causes widespread Illness, death or destruction affecting dogs and cats, Any dog not vaccinated for distemper, hepatitis, kennel cough, leptospirosis, parvovirus or any other disease that there is a known vaccine, and Your vet has recommended vaccinations, Any cat for feline infectious enteritis, feline leukaemia or cat flu, or other disease that there is a known vaccine and Your vet recommend vaccinations, if not vaccinated against them, Any amount arising from or in any way connected with Your failure to take all reasonable precautions to protect Your Pet from or by aggravating or prolonging an Injury or Illness, Any amount if Your Pet lives permanently outside of New Zealand, Any Journey You take Your Pet on against a Vet's advice - **cover types:** Catastrophe 1, Catastrophe 2, Third Party Liability (Optional Extra Benefit, dogs only) - **dental cover:** Annual dental examination required; any Treatment recommended as a result must be carried out as soon as possible. Excluded: periodontics, dental check-ups, COHAT, dental x-rays, dental prophylaxis, dental scale and polish or teeth cleaning, gingival curettes, gingival hyperplasia, removal of plaque or calculus or periodontal surgery; prosthodontics, removal or repair of misaligned or retained deciduous teeth, orthodontic appliances, crowns, caps or splints, luxation, horizontal bone loss, impacted teeth or embedded teeth; orthodontics, malocclusion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite. Any Treatment for dental disease is excluded if an annual dental examination has not been undertaken within the twelve (12) months preceding the problem requiring Treatment and any Treatment a Vet recommended resulting from that had not been carried out. - **co pay percent:** Not specified in the wording; Excess definition notes Veterinary Fees Excesses may be either the Fixed Excess only, or the Fixed Excess and the Co-Payment, but no percentage is stated - **species covered:** dog, cat - **behavioural cover:** Not explicitly covered or described as a named benefit. 'Condition' is defined to include 'deviant behaviour'. No specific behavioural cover sublimit or veterinary behaviourist requirement is stated. - **annual benefit nzd:** Catastrophe 1: Up to $5,000 Annual Benefit Limit; Catastrophe 2: Up to $10,000 Annual Benefit Limit (as shown in the Certificate of Insurance) - **excess options nzd:** 450, 900 - **multi pet discount:** Multi-pet Discount applies for 3+ eligible pets (both Catastrophe 1 and Catastrophe 2 plans). No further details of the discount amount are stated in the wording provided. - **pre existing rules:** Pre-Existing Condition(s) means any Condition(s) or symptom(s), sign(s) or Clinical sign(s) of that Condition, Injury or Illness occurring or existing in any form that; a. Has happened or first showed Clinical signs; b. Has the same diagnosis or Clinical signs as an Injury, Illness or Clinical sign Your Pet had; or, c. Is caused by, relates to, or results from, an Injury, Illness or Clinical sign Your Pet had occurring or existing: Before Your Pet's cover started, or prior to the Policy commencement date; During the thirty (30) day Waiting Period; or Before the section was added to Your insurance. This applies no matter where the Injury, Illness or Clinical sign(s) occurred or happen in, or on, Your Pet's body. This is regardless of whether or not We place any exclusion(s) for the Injury/Illness. - **entry age max years:** 9 - **entry age min months:** 2 - **waiting periods days:** {"illness":30,"cruciate_ligament":180,"brachycephalic_airway_obstruction":365} - **renewal age cap years:** Umbrella for Life: cover continues for the treatment of on-going Illness or Injuries throughout Your Pet's lifetime, provided You renew the Policy annually without a break in cover and pay the required premium - **boarding kennel benefit:** Not mentioned in the policy wording provided. - **per condition limit nzd:** Cruciate Ligament, Patella Luxation, Hip Dysplasia or Osteochondritis Dissecans (OCD) Treatment (per policy year): Catastrophe 1 Up to $1,500 / Catastrophe 2 Up to $3,000; Skin Treatments (per policy year): Up to $500 (both plans); Cancer Treatments (per policy year): Catastrophe 1 Up to $2,500 / Catastrophe 2 Up to $5,000; Brachycephalic Airway Obstruction: Catastrophe 1 Up to $3,000 / Catastrophe 2 Up to $6,000 (365 day waiting period); Vet Consults (per policy year): Up to $400 (both plans) - **death by illness benefit:** Not mentioned in the policy wording provided. - **alternative therapy cover:** Not explicitly covered or excluded by name. 'Cold laser treatments' are listed as an excluded procedure. No mention of physiotherapy, hydrotherapy, acupuncture or chiropractic. - **bilateral conditions rule:** For the avoidance of doubt when referring to Pre-Existing Conditions, and Conditions affecting a part of Your Pet's body of which it has two, will be deemed to be a Bilateral Condition and both will be excluded from cover. - **hereditary congenital rules:** Not explicitly described as a named category of exclusion or inclusion. Select Breeds (a defined list of large/giant and brachycephalic-related breeds) are eligible for cover only from age 8 weeks and before their 5th birthday. Brachycephalic Obstructive Airway Syndrome (BOAS) and related conditions are excluded for the first 365 days of cover. Cruciate ligament, patella luxation, hip dysplasia and OCD are explicitly stated not to be considered Accidents and have a 180-day waiting period with sub-limits. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/petcover/catastrophe/summary.md --- ## https://petinsurancenz.co.nz/api/product/petnsur/equine/summary.md # PetNSur — PetNSur Equine *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://www.beneficial.co.nz/wp-content/uploads/Equine-Policy-Wording_20251103.pdf **Wording ingested:** 2026-05-20 **Wording version:** 2025-11-03 ## Key facts - **exclusions:** A claim arises for illness or Accident within the stand-down period specified in your Policy Schedule, A claim is received more than 30 days after the treatment has finished or the claimable event has occurred, The Horse has or is known to have any pre-existing conditions, that were in existence before the Policy commenced including any chronic, recurring or ongoing medical conditions/diseases that have been in existence or treated before the Policy commenced, A claim is for the treatment of skin and/or allergic conditions that have been caused by the chemicals or substances used in products to maintain the cleanliness of the Horse or for the treatment of ectoparasites on the Horse, The Horse suffers contact skin conditions and/or allergies from contact with but not limited to plants, For any pandemic disease that causes widespread illness, death or destruction affecting horses, The Horse has caused damage to any property or people or any other animal, The maximum benefit as specified in the Plan table, has been met or exceeded during the Period of Cover, Treatment for the Horse is as a result of a deliberate act or omission or the negligent behaviour or care caused by you or anyone at your premises, A claim is received for a Horse that is under the age of 12 months and over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided, A claim is received in relation to a post mortem of the Horse, A claim for treatment of a psychiatric disorder, behaviour problems or costs associated with retraining a Horse due to them suffering such disorders or problems, A claim is received in relation to the travel expenses of the Horse's Veterinary Surgeon for any medical or Accident callouts, The cost of surgical equipment that can be used more than once, A claim relates to the Horse / Treatments where the Horse is ordered to be destroyed by the courts / relevant legislation or any government agency, public or local authority or any person or body having or claiming jurisdiction in the matter in New Zealand, The Treatment of the Horse is directly or indirectly required by the Horse directly or indirectly being used for hunting, security work, racing or in a polo event, The Treatment is for any breeding, breeding-related procedures and/or Treatments, including but not limited to contraceptives, contraceptive procedures or pregnancies, The Treatment is required due to or is related to the Horse being overweight or obese, A claim is received for reimbursement of diet food, medication for diet and vitamin deficiencies or medication for a Horse's coat, even if it has been prescribed and recommended by the Horse's Veterinary Surgeon, The Treatment is for any cosmetic surgery or any form of tattooing or piercing of a Horse, Any loss or damage if the Horse is not vaccinated against tetanus, strangles and equine influenza, equine herpes or any other disease that there is a known vaccine which a Veterinary Surgeon would in the ordinary course of veterinary practice recommend, The claim is for any transplant, replacement or implant of any organs or body parts including pacemakers, Any amount for any experimental medication, treatments or therapies, prosthesis, orthopedic supports or braces, cancer vaccines, a therapeutic antibody for equine cancer, stem cell therapy, gene therapies, platelet rich plasma the therapy (PRP), Shockwave Therapy, pre/probiotics, cold laser treatments, Low-level Laser therapy (LLLT), Photobiomodulation (PBM Therapy), Interleukin-1 Receptor Antagonist Protein (IRAP), Bisphosphonates (Equidronate / Osphos), short wave infra-red therapy, equine dry salt therapy, vibration therapy, 3D printing, and any drugs not used in accordance with the manufacturers recommendation, The claim is as a result of a declared or undeclared war or any act thereof, invasion or civil war or any claim that is a result of a natural disaster including but not limited to flooding, earthquake, volcanic eruption, The claim is a result of a biological or chemical attack, The claim is as a result of loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of Terrorism, The claim is a result of loss caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds, Any amount if the incident or Accident causing an injury or illness takes place as a result of any business, profession, occupation or while you are working for someone, The claim is as a result of loss or damage caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity, The claim relates to any experimental medication or treatment or clinical trial, or any complications arising out of any experimental medication or treatment or clinical trial, For any journey you take Your Horse on against Vet's advice, If the death or humane destruction occurred before the Period of Cover commenced, If the injury can be treated and it is humane to keep the Horse alive, The cost of a post-mortem examination, elective or economic destruction, Any amount which results from you acting or behaving unlawfully, including any fines or penalties, Any amount if your Horse is confiscated or destroyed under the order of any authority (government, local, public or any other), More than $4,000 towards the Treatment of a colic episode, Any additional claim for a colic-related episode for the duration of the Horse's life, More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use) more than 12 months after the date of the original diagnosis of any injury or illness, More than 50% of the cost of any veterinary treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use), for any injury or illness that was originally diagnosed in any prior Period of Cover, The cost of veterinary treatment that you choose to carry out that does not relate to the injury or illness, The cost of veterinary treatment or alternative treatment that results from a vice or from the Horses behaviour, The cost of a post-mortem, burial or cremation, The cost of any treatment, which is not a veterinary treatment that you could carry out yourself, The cost of travelling to a place of treatment either for your Horse or a Veterinary Surgeon, The cost of castration or pregnancy, A claim is received for dental treatment including but not limited to, inflammation of the gums, cleaning and de-scaling of the Horse's teeth or the removal of any teeth, except in the instance where the treatment is required due to teeth damaged in an Accident - **cover types:** Veterinarian (Vet fees), Mortality (including Theft and Death in Transit), Removal and Disposal, Saddlery and Tack, Floats, Trailers, Horse Drawn Vehicles / Buggys, Loss of Irrecoverable Entry Fees - **dental cover:** A claim is received for dental treatment including but not limited to, inflammation of the gums, cleaning and de-scaling of the Horse's teeth or the removal of any teeth, except in the instance where the treatment is required due to teeth damaged in an Accident. - **co pay percent:** A minimum excess will apply per approved claim or the amount of co-pay that you have selected, whichever is greater. Co-pay does not apply to vaccination reimbursement claims (a flat $50.00 per annum applies for vaccinations). Example in policy uses 20% co-pay with $500 minimum excess. - **mortality cover:** Mortality Cover (includes Theft and Death in Transit) — If selected as an add-on, the Company will indemnify you up to the Sum Insured or fair market value of the horse at that time following death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of: an injury or illness that occurs during the period of cover; surgery carried out by a Veterinary Surgeon to treat an injury or illness that occurs during the Period of Cover; medication prescribed by a Veterinary Surgeon used to prevent or treat an injury or illness that occurs during the Period of Cover. Death (Accidental Injury/Death): provides cover up to the sum insured or fair market value during the period of cover following the death or humane destruction of your horse by a registered veterinary surgeon, as a result of sudden, violent and external injury or event that happens by chance, at an identifiable time and place and is unforeseen. In Transit: provides cover up to the sum insured or fair market value if your Horse is fatally injured whilst in transit within New Zealand. Theft: provides cover up to the sum insured or fair market value if the Horse is stolen during the period of cover. There is an 18-month stand-down period for humane destruction from the commencement date except for traumatic accident resulting in broken leg, catastrophic fracture, or non-disease/non-medical related catastrophic issues. The Company will not indemnify if death/humane destruction happens 12 months after the date of injury or illness first occurred; if related to an injury or event prior to the commencement of the policy; if the result of a surgical operation not performed by a registered Veterinary Surgeon; if the illness or injury can be treated and it is humane to keep the Horse alive; if the result of a deliberate act by the Owner, Owner's immediate family or any person looking after the Horse; the cost of a post-mortem examination. - **species covered:** horse - **public liability:** Not explicitly offered as a cover item in this policy wording. - **behavioural cover:** A claim for treatment of a psychiatric disorder, behaviour problems or costs associated with retraining a Horse due to them suffering such disorders or problems is excluded. - **annual benefit nzd:** The Maximum Cover payable under this Policy is the amount selected by you and specified in the Policy Schedule. - **excess options nzd:** A minimum excess will apply per approved claim or the amount of co-pay that you have selected, whichever is greater. The amount of this minimum excess is written in your Policy Schedule. - **pre existing rules:** Pre-Existing Condition means any Treatment, Symptom or Chronic condition relating to the Horse, that occurs prior to the Commencement Date, regardless of whether or not it is specifically diagnosed, which you are aware of or a reasonable person in your circumstances ought to have been aware of including any Treatment, Symptom or Chronic condition that is related to or is a result of any Pre-Existing Condition(s). If an illness occurs within the first 21 days of the commencement of the policy, this illness and any related or resulting symptoms or treatments will become a pre-existing condition and will not be covered for the life of the policy. Suppose an accident occurs within the first 7 days of the commencement of the policy. In that case, this accident and any related or resulting symptoms or treatments will become a pre-existing condition and will not be covered for the life of the policy. - **age eligibility text:** A claim is received for a Horse that is under the age of 12 months and over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided to insure the horse under 12 months of age. - **breeding stock cover:** The Treatment is for any breeding, breeding-related procedures and/or Treatments, including but not limited to contraceptives, contraceptive procedures or pregnancies — excluded. The cost of castration or pregnancy — excluded. - **entry age min months:** A claim is received for a Horse that is under the age of 12 months … unless prior approval has been provided to insure the horse under 12 months of age. - **waiting periods days:** {"illness":21,"accident":7,"humane_destruction_euthanasia_months":"18 months stand-down for humane destruction from commencement date, except for traumatic accident resulting in broken leg or catastrophic fracture or non-disease/non-medical related catastrophic issues"} - **discipline exclusions:** hunting, security work, racing, polo - **renewal age cap years:** A claim is received for a Horse … over the maximum age specified in the Policy Schedule at the Commencement Date of the Policy unless prior approval has been provided. - **vet fees sublimit nzd:** The Maximum Cover payable is the amount selected by you and specified in the Policy Schedule. Sub-limits apply: no more than $4,000 for colic episode treatment; no more than 50% of cost of treatment more than 12 months after original diagnosis; no more than 50% of cost for conditions originally diagnosed in a prior Period of Cover. Vaccination reimbursement is $50.00 per annum (flat, outside co-pay). - **per condition limit nzd:** More than 50% of the cost of any veterinary Treatment (or any medication prescribed by a Veterinary Surgeon) your Horse receives (or is prescribed for its use) more than 12 months after the date of the original diagnosis of any injury or illness; more than 50% of the cost for any injury or illness originally diagnosed in a prior Period of Cover; more than $4,000 towards the Treatment of a colic episode; no additional claim for a colic-related episode for the duration of the Horse's life. - **death by illness benefit:** Mortality Cover — The Company will indemnify you up to the Sum Insured following the death or humane destruction by a Veterinary Surgeon during the Period of Cover as a result of an injury or illness that occurs during the period of cover, surgery carried out by a Veterinary Surgeon to treat an injury or illness, or medication prescribed by a Veterinary Surgeon to prevent or treat an injury or illness. The Company will not indemnify if the death or humane destruction happens 12 (twelve) months after the date of the injury or illness first occurred. There is an 18-month stand-down period for humane destruction from the commencement date of your policy except where the horse has suffered a traumatic accident resulting in a broken leg or catastrophic fracture or non-disease/non-medical related catastrophic issues. Cover basis is up to Sum Insured or fair market value of the horse at that time (whichever is applicable per Policy Schedule). - **alternative therapy cover:** Any amount for any experimental medication, treatments or therapies, prosthesis, orthopedic supports or braces, cancer vaccines, a therapeutic antibody for equine cancer, stem cell therapy, gene therapies, platelet rich plasma the therapy (PRP), Shockwave Therapy, pre/probiotics, cold laser treatments, Low-level Laser therapy (LLLT), Photobiomodulation (PBM Therapy), Interleukin-1 Receptor Antagonist Protein (IRAP), Bisphosphonates (Equidronate / Osphos), short wave infra-red therapy, equine dry salt therapy, vibration therapy, 3D printing, and any drugs not used in accordance with the manufacturers recommendation are excluded. - **bilateral conditions rule:** Not explicitly stated in the policy wording. - **float trailer sublimit nzd:** The Company will pay the cost of repair or the Sum Insured/Fair Market Value (whichever is lesser) for Horse Float, Trailer, Horse Drawn Vehicle or Buggy if damaged, stolen or destroyed during Period of Cover, subject to Maximum Cover selected in the Policy Schedule. Excludes wear and tear, mechanical/electrical breakdown, moths/insects/vermin/mildew/gradual causes; cleaning/repair/restoration damage; unavailable replacement parts/accessories; tyre damage by punctures/cuts/bursts/braking; Horse Drawn Vehicle/Buggy used for training or trails/cross-country events; theft without wheel clamp/tow hitch lock or secure locked building; uninsured to full Fair Market Value (pro-rata applies); expired registration or warrant of fitness; Horse Drawn Vehicle/Buggy on public roadway. - **saddlery tack sublimit nzd:** The Company will pay up to the Sum Insured selected for Saddlery and Tack (the cost of repair or sum insured/fair market value whichever is lesser). Maximum $800.00 for any saddle or item of tack without formal proof of purchase showing make, model, value and date of purchase. Excludes rugs, clothing or personal effects; items not owned by the insured; damage from wear and tear, moths, insects, vermin, pests or gradual causes; damage while being cleaned, dyed, repaired or restored. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/petnsur/equine/summary.md --- ## https://petinsurancenz.co.nz/api/product/petcover/equine-liability/summary.md # Petcover (Petplan NZ) — Petcover Equine Third Party Liability *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://sovereignaustralia.com.au/pdf/products/new-zealand/PetCover/PCNZ-TWH-PDS%20(Equine%20Liability)%20v20122022%20(1).pdf **Wording ingested:** 2026-05-20 **Wording version:** 2023-01-01 ## Key facts - **exclusions:** Any amount which exceeds the Limit of Liability, Any amount in relation to Your tangible property or the tangible property of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, Any amount in relation to tangible property in the care, custody or control of You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, Any amount in relation to bodily injury sustained by You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, Any claim involving the business, trade or profession (including place of habitation and place of work if Your Named Horse has access to Your work area or the work area of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse), Loss or damage to fences or growing crops caused by Your Named Horse, Loss or damage or bodily injury suffered during the serving or attempting to serve a mare by a stallion involving Your Named Horse, Loss or damage or bodily injury involved in the hiring out of Your Named Horse, Liability or damages of any kind arising in connection with any agreement unless liability would have existed in the absence of that agreement, Any costs or expenses for defending You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse which We have not agreed beforehand, Any amount caused by or arising out of, or in any way connected with the pregnancy of any person, Any amount caused by or arising out of, or in any way connected with the transmission of disease including disease transmitted from animals to humans or any pandemic disease that causes widespread illness, death or destruction affecting Your Named Horse, Any amount in any way connected with an Accident if You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse have not followed the instructions or advice given by the previous owners of Your Named Horse or the re-homing organisation or a qualified behaviourist about the behaviour of Your Named Horse, Any amount for any aggravated, exemplary or punitive damages, damages resulting from the multiplication of compensatory damages, fines or penalties, Any amount for an Accident which takes place when Your Named Horse is in the care of a business entity or a professional person and You are paying for their services, Any amount for an Accident that happens in an area or place where horses are specifically prohibited, unless Your Named Horse escapes and enters the specifically prohibited area outside of Your control or that of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, The Excess specified in Your Certificate of Insurance, Any amount for any person who has not directly suffered Third Party Bodily Injury or Third Party Property Damage that is covered this Policy, Any amount for liability attaching to livery stables, riding schools, equestrian centres or any other business that have care, custody or control of Your Named Horse, Any amount for liability directly or indirectly arising through or in connection with the use, ownership or possession of any mechanically propelled vehicle, aircraft, ship, vessel or craft by or on behalf of You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, Any horse less than 30 days old or over 30 years of age, Any loss or damage or liability which is recoverable under the Accident Compensation Act 2001 or any Act in substitution, Any amount if the Accident takes place as a result of any business, profession, occupation or while working for someone, Any amount caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity, Any amount caused by an act of terrorism, the use or threatened use of violence to scare or intimidate malicious persons, civil disobedience, strikes, people taking part in labour disturbances or the involvement directly or indirectly of any unlawful organisation, Any loss or damage or bodily injury caused by or resulting from an act of force, or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event including any chemical or biological terrorism, Any amount caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds, Any legal expenses resulting from criminal proceedings because of a deliberate act by You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse, Any amount which results from You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse acting or behaving unlawfully, and any legal expenses, fines or penalties arising from such actions or behaviour including criminal activities or breach of New Zealand laws or regulations or an Act of Parliament, Any amount caused by, arising out of, or in any way connected with asbestos, Any amount caused by, arising out of or in any way connected with the discharge, dispersal, release or escape of pollutants defined as smoke, vapours, soot, fumes, acid, alkalis, toxic chemicals, liquids, gases, waste materials or other irritants, contaminants or other pollutants into or upon land, the atmosphere or any watercourse or body of water; or the attempted prevention of such discharge, dispersal, release or escape of any pollutants - **cover types:** Third Party Liability - **species covered:** equine - **public liability:** We will pay compensation up to the Limit of Liability (as specified in the Certificate of Insurance) in respect of Your Legal Liability and that of Your Immediate Family and for any person to whom You have given permission to look after or handle Your Named Horse in respect of: Third Party Bodily Injury; Third Party Property Damage; Legal costs and expenses of the party seeking compensation from You; Legal costs and expenses incurred by You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse in defending a Third Party Liability claim; arising out of an Accident occurring within New Zealand during the Period of Insurance through, by, or arising in connection with Your Named Horse. - **annual benefit nzd:** Limit of Liability as specified in Your Certificate of Insurance - **excess options nzd:** Excess amount as stated on Your Certificate of Insurance (applicable to Third Party Property Damage claims only) - **age eligibility text:** Any horse less than 30 days old or over 30 years of age is excluded from cover. **Confidence tier:** inferred **Canonical:** https://petinsurancenz.co.nz/api/product/petcover/equine-liability/summary.md --- ## https://petinsurancenz.co.nz/api/product/southern-cross-pet/freecover/summary.md # Southern Cross Pet Insurance — FreeCover (Trial) *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/freecover-policy-Doc.pdf **Wording ingested:** 2026-05-17 **Wording version:** 2025-09-01 ## Key facts - **exclusions:** Congenital conditions, Pre-existing conditions, Bilateral conditions where the same health condition exists on the other side of a paired body part, Grooming and bathing costs including medicated baths and shampoos, Transport and boarding (such as in a kennel or cattery), Cages, equipment, and devices, including dog or cat cones (Elizabethan collars), Voluntary euthanasia of your pet (where you choose to have your pet put down for non-medical reasons or due to behavioural or psychological conditions), or euthanasia due to any pandemic or endemic disease, Disposal, post-mortem, burial, or cremation, Alternative treatment (acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy), Behavioural or psychological conditions (anxiety disorders, depression, aggression, excessive barking) and related treatments, Complications from treatment we don't cover, Cosmetic treatment (tail docking, ear cropping, tattooing), Cruciate ligament health conditions, Dental care for illness (gingivitis, teeth cleaning and scaling, orthodontics, removing deciduous teeth), Everyday care (vaccinations, microchipping, flea/tick/worm control, grooming, de-sexing, treatment for undescended testes, nail clipping, council registration, over the counter products, cremation and burial), Extended hospitalisation beyond what is medically necessary, Extra vet fees for information, administration, account fees, postage or couriers related to the policy, Failure to reasonably protect your pet, including cruel or violent treatment or reckless disregard for its wellbeing, Fighting, if your pet has a history of fighting before the policy start date, International treatment (treatment received outside New Zealand), Medication covering more than 40 days after your policy ends, Preventable parasites (fleas, ticks, mites, worms) and resulting health conditions (flea allergy dermatitis, Lyme disease), Patella luxation, Prescription pet foods, Screening when your pet shows no signs or symptoms, Specialised treatments (organ transplant surgery, joint replacements, artificial limbs, implants, prosthetics, genetic or chromosome testing, cell-replacement therapies including stem cell therapy), Supplements (vitamins, minerals, probiotics, nutraceuticals, oil supplements, amino acids, botanicals and herbals), Treatment provided by you to your own pet (unless you are a vet or vet nurse), Treatment of an undiagnosed health condition that is similar to an excluded health condition, Conditions related to a declared epidemic or pandemic, Pig hunting dogs - **cover types:** Accident + Illness - **dental cover:** We cover dental treatment if your pet requires it because of an accidental injury during your FreeCover period. However, we won't cover dental treatment from an accidental injury that results directly from your pet biting, eating, or chewing an object. Dental care for illness (e.g. treating dental and oral diseases such as gingivitis, cleaning and scaling teeth, providing orthodontics, removing deciduous (baby) teeth) is excluded. - **co pay percent:** 0 - **species covered:** dog, cat - **behavioural cover:** We don't cover any behavioural or psychological conditions, which are things like: anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as: products or medications, training, socialisation, behavioural therapy, psychological therapy. - **annual benefit nzd:** 2000 - **excess options nzd:** 100 - **multi pet discount:** Only one FreeCover policy per pet is permitted. No multi-pet discount is mentioned. - **pre existing rules:** A pre-existing condition is a health condition relating to your pet that you knew about (or should reasonably have known about) before your policy start date, or during the relevant stand down period. This includes any health condition, sign, symptom, or event — whether or not a vet has diagnosed it — to which any of the following apply before the policy start date or relevant stand down period: you have sought advice, or a vet has recommended care, treatment, or medication for the condition; you're awaiting test results or further investigation, treatment, or consultation with a vet for the condition; the condition requires, may potentially require, or would have caused a reasonable person to seek help from a vet. - **entry age max years:** 0.5 - **entry age min months:** 1.5 - **waiting periods days:** {"illness":5} - **renewal age cap years:** No renewal; FreeCover is a one-off 6-week policy with no renewal option - **boarding kennel benefit:** We don't cover transport and boarding (such as in a kennel or cattery). - **per condition limit nzd:** No separate per-condition sublimit stated; overall benefit limit of $2,000 applies per FreeCover period - **death by illness benefit:** Voluntary euthanasia of your pet (where you choose to have your pet put down for non-medical reasons or due to behavioural or psychological conditions), or euthanasia due to any pandemic or endemic disease is excluded. No death by illness benefit is described. - **alternative therapy cover:** We don't cover alternative treatment. Alternative treatments are things like: acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy (or treatments of a similar nature). Note: physiotherapy is listed as qualifying treatment and is covered. - **bilateral conditions rule:** We'll treat a health condition that affects more than one of the same body part as a pre-existing condition. This applies if your pet has a pre-existing condition that affects a body part that it has more than one of, like a leg or an eye. If the same health condition occurs in the other body part, we'll treat it as a pre-existing condition and exclude it from cover under your policy. We'll do this even if the condition occurs in the other body part after the policy start date. - **hereditary congenital rules:** We don't cover congenital conditions. A congenital condition is an anomaly or developmental defect that is present in your pet at birth, even though signs or symptoms may not appear until later in life. Common congenital conditions for puppies and kittens are things like: brachycephalic obstructive airway syndrome, cleft palates, neurological defects such as wobbler syndrome, spina bifida, umbilical hernias, undescended testes. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/southern-cross-pet/freecover/summary.md --- ## https://petinsurancenz.co.nz/api/product/fmg/horse-deluxe/summary.md # FMG — FMG Horse Deluxe *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-deluxe **Wording ingested:** 2026-05-20 **Wording version:** 2024-07-01 ## Key facts - **exclusions:** pre-existing conditions (implied by defined injury or disease coverage) - **cover types:** Horse Deluxe - **loss of use:** If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised. - **mortality cover:** Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. Agreed value may be based on an independent written valuation, the purchase price, the performance of the horse, and/or a number of other factors. Fair market value is what a reasonable buyer would have been willing to pay for your horse immediately before the loss and considers factors including competition history and the breed of the horse. If due to accident, illness or disease your horse is permanently incapacitated and can't be used for the purpose set out on your certificate, you're covered regardless of if you want to keep the horse or have it euthanised. - **species covered:** equine - **annual benefit nzd:** Up to $10,000, or 50% of sum insured during the period of insurance for vet costs; death/mortality cover up to agreed value or fair market value - **entry age max years:** 10 - **age eligibility text:** FMG's Horse Deluxe policy covers your equestrian and sport horses between the ages of three and 10 years old. A higher age limit may apply if your horse is already insured with us. - **entry age min months:** 36 - **renewal age cap years:** A higher age limit may apply if your horse is already insured with us - **vet fees sublimit nzd:** Up to $10,000, or 50% of sum insured during the period of insurance for the cost of treatment for defined injury or disease **Confidence tier:** inferred **Canonical:** https://petinsurancenz.co.nz/api/product/fmg/horse-deluxe/summary.md --- ## https://petinsurancenz.co.nz/api/product/fmg/horse-external-accident-only/summary.md # FMG — FMG Horse External Accident Only *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-external-accident-only **Wording ingested:** 2026-05-20 **Wording version:** 2024-07-01 ## Key facts - **exclusions:** Veterinary costs to treat your horse, Death of your horse due to an illness or disease - **cover types:** External Accident Only - **mortality cover:** Your horse is covered if it dies or has to be euthanised due to an accidental, external and visible injury. We'll pay fair market value of your horse, up to the sum insured, plus GST, for any one event. Fair market value is what a buyer would have reasonably expected to pay for your horse immediately before the loss and takes into account several factors including competition history and breed of the horse. Cover is in New Zealand only, including when in transit on land. Death due to illness or disease is not covered. - **species covered:** horse - **annual benefit nzd:** fair market value of your horse, up to the sum insured, plus GST, for any one event - **age eligibility text:** between 1 to 21 years old - **discipline exclusions:** - **vet fees sublimit nzd:** This policy does not cover veterinary costs to treat your horse. **Confidence tier:** inferred **Canonical:** https://petinsurancenz.co.nz/api/product/fmg/horse-external-accident-only/summary.md --- ## https://petinsurancenz.co.nz/api/product/fmg/horse-plus/summary.md # FMG — FMG Horse Plus *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-plus **Wording ingested:** 2026-05-20 **Wording version:** 2024-07-01 ## Key facts - **cover types:** Horse Plus - **mortality cover:** Cover for if your horse dies or needs to be euthanised because of an accident, injury, illness, or disease. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. If you've taken out this policy with FMG for 12 months or longer, you're automatically insured for a one-year cover extension. So, if your horse dies within a year of your period of insurance ending, and you had notified FMG of the accident, injury, illness or disease prior to your period of insurance ending, you're covered. - **species covered:** horse - **annual benefit nzd:** Up to $10,000, or 50% of sum insured during the period of insurance for vet costs - **excess options nzd:** 500 - **breeding stock cover:** Optional benefit: Stallion – permanent disability. Cover for your stallion if he becomes permanently impotent, infertile, or incapable of serving mares because of an accident, illness or disease. - **vet fees sublimit nzd:** Up to $10,000, or 50% of sum insured during the period of insurance for treating a defined injury or disease. $500 excess applies. - **saddlery tack sublimit nzd:** Removal and disposal costs: up to $500 to remove and dispose/bury your horse if a death claim is accepted. **Confidence tier:** low **Canonical:** https://petinsurancenz.co.nz/api/product/fmg/horse-plus/summary.md --- ## https://petinsurancenz.co.nz/api/product/fmg/horse-primary/summary.md # FMG — FMG Horse Primary *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** horse **Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-primary **Wording ingested:** 2026-05-20 **Wording version:** 2024-07-01 ## Key facts - **cover types:** Horse Primary, Horse Primary Plus - **mortality cover:** Your horse is covered if it dies or needs to be euthanised due to accidental, external and visible injury or colic. Cover for death during, or as a result of a surgical operation conducted by a vet under local or general anaesthetic. We also cover you in case of theft, as well as death or humane destruction following the theft of your horse. This applies if your horse is taken and castrated or spayed maliciously. We'll pay up to the agreed value or fair market value shown on your certificate plus GST, for any one event. - **species covered:** horse - **annual benefit nzd:** Up to the agreed value or fair market value shown on your certificate plus GST, for any one event. - **entry age max years:** 16 - **age eligibility text:** FMG's Horse Primary policy covers a range of horses, including leisure, on farm, and equestrian horses, from the age of 1 to 16 years old. - **entry age min months:** 12 - **vet fees sublimit nzd:** Cover for vet treatments as a result of an accidental, external and visible injury, or colic. **Confidence tier:** low **Canonical:** https://petinsurancenz.co.nz/api/product/fmg/horse-primary/summary.md --- ## https://petinsurancenz.co.nz/api/product/tower-pet/pet-comprehensive-essentials/summary.md # Tower Pet Insurance — Pet Comprehensive + Essentials *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.tower.co.nz/wp-content/uploads/2021/11/Pet_Comprehensive_Essentials.pdf **Wording ingested:** 2026-05-18 **Wording version:** 2026-05-18 ## Key facts - **exclusions:** Pre-existing conditions, Any condition which first presented its signs or symptoms or which was first diagnosed during any claims waiting period, Any condition where the diagnosis is inconclusive, but where the customary treatment is similar to customary treatment for any condition which is not covered, or for which any relevant sub-limit has been exhausted, Hereditary conditions which first manifest before your pet's 2nd birthday, Congenital conditions, Brachycephalic airway syndrome (elongated soft palate, stenotic nares, everted laryngeal saccules, laryngeal collapse and tracheal hypoplasia), Any declared epidemic causing widespread illness to cats or dogs, Any treatment administered or prescribed by a person who is not a qualified vet, veterinary nurse or technician, or alternative therapist, Organ transplants, stem cell transplants or joint replacements, Ectoparasites (such as fleas) or endoparasites (such as intestinal worms), Experimental treatment, or treatment or medication which is not approved by the Ministry of Primary Industries or the Veterinary Council of New Zealand, Breeding, pregnancy, obstetrics and birth (including caesarean sections), Canine parvovirus, canine distemper, canine infectious hepatitis, kennel cough, leptospirosis, feline viral rhinotracheitis, feline calicivirus, feline panleukopaenia, feline immunodeficiency virus (FIV), feline leukaemia virus (FeLV) and feline chlamydiosis unless pet was up to date with vaccinations at the time signs or symptoms first presented, Failure to provide all reasonable care for your pet's health and wellbeing or failure to reasonably protect your pet from illness or injury, Malicious acts, mistreatment, deliberate injury or gross negligence towards your pet caused by you, any member of your immediate family, or any other person who normally resides with you and your pet, Any amounts charged by your vet for providing information in relation to your claim, Postage, courier fees or administration costs, War, riot, civil commotion, terrorism, natural disaster or similar events, The destruction of your pet due to any court or council order, Your business or occupation, or your pet being used for the purpose of any business, occupation (with the exception of assistance dogs), hunting or sport, Any treatment, expenses or events occurring after your policy end date (unless renewed without lapse), Treatment outside of New Zealand, House visits unless moving your pet would endanger its life or significantly worsen its illness or injury, After-hours treatment unless your vet confirms an emergency consultation was essential, Treatment undertaken for cosmetic purposes or costs associated with grooming, Testing or procedures to determine suitability of your pet for breeding or genealogical purposes, Transport or boarding expenses (under Section 1), Food, including food prescribed by a vet, Any medication, vitamins, supplements or pheromone products available over the counter without a prescription, The cost to hire or purchase medical equipment including Elizabethan collars, cages, crates, housing, prosthetics or orthotics, Dental treatment or treatment of oral disease except as specifically covered, Post-mortem and non-essential euthanasia, Working dogs (except assistance dogs) - **cover types:** Comprehensive, Essentials, Optional Benefit (Dental Care) - **dental cover:** Dental treatment is excluded under Section 1 – Vet Expenses unless: (a) treatment is described in the policy definition of routine care (Comprehensive Plan only), or (b) a serious and traumatic accident occurs and the dental treatment is carried out directly to repair serious injuries to your pet's face. Optional Benefit (Dental Care) under Section 3 (additional premium required, added/removed at renewal only, 90-day waiting period, upper age limit 8 years for all breeds) covers: Gingivitis, Abscesses, Dental disease, Cavities, Tooth fracture, Retained deciduous teeth — up to $350 per period of cover (Comprehensive and Essentials), subject to 20% co-payment. Routine dental check-ups and dental scale and polish are excluded unless required to treat a listed covered dental condition. - **co pay percent:** 20% mandatory co-payment for all Plans, applied to every treatment claimed under Section 1 – Vet Expenses and Section 3 – Optional Benefit (Dental Care). - **species covered:** dog, cat - **behavioural cover:** Alternative therapy as defined includes behavioural therapy where administered by, prescribed by or supervised by a vet to treat, or to complement treatment for your pet's illness or injury, covered up to $500 (Comprehensive) or $350 (Essentials) per period of cover under the alternative therapy sub-limit. - **annual benefit nzd:** {"Essentials":7000,"Comprehensive":15000} - **excess options nzd:** - **multi pet discount:** No multi-pet discount terms are stated in this policy wording. - **pre existing rules:** Pre-existing condition means any conditions, or, any medical or physical signs, symptoms or circumstances in relation to your pet: (1) which you are aware of, or which a reasonable person in your circumstances ought to have been aware of; or (2) for which veterinary advice, care, treatment or medication has been sought, given or recommended; or (3) which has been diagnosed as a condition, or which are indicative of a condition; or (4) which are of such a nature to require, or may potentially require veterinary attention; or (5) which are of such a nature as would have caused a prudent, reasonable person to seek veterinary attention for their pet, prior to the start date of your policy, or prior to the date any applicable claims waiting period ceases. Any new condition, or any sign or symptom of a new condition which first presents within the claims waiting period will be treated in the same way as a pre-existing condition and will not be covered. - **entry age max years:** {"select_breeds":5,"standard_breeds":8} - **entry age min months:** 2 - **waiting periods days:** {"illness":14,"accident":0,"routine_care":14,"dental_optional_benefit":90} - **renewal age cap years:** No upper age cap on renewal; cover continues for life provided the policy is renewed without any lapse. Upgrades and new policies are not available after the pet reaches the upper age limit (8 years standard breeds, 5 years select breeds). - **boarding kennel benefit:** Section 2.2 Owner Hospitalisation (Emergency Boarding Fees): If you are unexpectedly hospitalised during your period of cover, we will pay emergency boarding fees for your pet provided that you are hospitalised for at least three consecutive days and nights, and you are the sole carer of your pet. Maximum: $700 (Comprehensive) or $350 (Essentials). Excludes: pregnancy; cosmetic or elective surgery; foreseeable hospitalisation prior to policy start date; costs where another household member can reasonably look after your pet. - **per condition limit nzd:** No separate per-condition limit; sub-limits apply for: Cruciate ligament surgery ($1,500 Comprehensive / $800 Essentials), Patella surgery ($1,500 Comprehensive / $800 Essentials), Specialist treatment non-life threatening ($4,000 Comprehensive / $2,000 Essentials), Alternative therapy ($500 Comprehensive / $350 Essentials), Routine care ($100 Comprehensive only, max 2 claims x $50). Ongoing conditions are capped at the benefit limit of the plan in force when the condition first presented. - **death by illness benefit:** Section 2.1 Funeral Costs: If your pet passes away within your period of cover, we will contribute $100 towards the cost of cremation or burial (both Comprehensive and Essentials), provided clinical notes from your vet regarding the cause of death and a receipt for cremation or burial are supplied. Will not pay if the cause of death would otherwise be excluded under the policy. Post-mortem and non-essential euthanasia are excluded under Section 1. - **alternative therapy cover:** Alternative therapy means acupuncture, behavioural therapy, Bowen therapy, herbal therapy, homeopathy, hydrotherapy, laser therapy, massage therapy, osteopathy, physiotherapy, TENS (transcutaneous electrical nerve stimulation) or similar therapies where they are administered by, prescribed by or supervised by a vet to treat, or to complement treatment for your pet's illness or injury. Sub-limit: $500 (Comprehensive) or $350 (Essentials) per period of cover, subject to 20% co-payment. - **bilateral conditions rule:** The policy defines 'Condition' as: any injury or illness suffered by your pet, and for the purpose of this definition, any presentation of an illness with the same diagnosis, signs or symptoms, or resulting from the same disease process, regardless of the number of incidents or areas of your pet's body affected shall be considered a single condition (e.g. all occurrences of otitis (ear infection) will be classified as the same condition). No explicit bilateral condition rule is stated, but this definition implies both sides of a bilateral condition are treated as a single condition. - **hereditary congenital rules:** Hereditary conditions which first manifest before your pet's 2nd birthday are excluded. Congenital conditions are excluded entirely. Hereditary condition means a genetic condition which is passed down through your pet's bloodline, and which is commonly breed specific. Congenital condition means a congenital anomaly or developmental defect which is present at birth but may not manifest until later in your pet's life. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/tower-pet/pet-comprehensive-essentials/summary.md --- ## https://petinsurancenz.co.nz/api/product/cove-pet/pet-insurance/summary.md # Cove Pet Insurance — Cove Pet Insurance *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.coveinsurance.co.nz/wp-content/uploads/2022/05/Pet-Insurance-Policy-CovePet012022.pdf **Wording ingested:** 2026-05-18 **Wording version:** 2026-05-18 ## Key facts - **exclusions:** Pre-existing conditions, a related condition or a condition arising before the first policy period you are insured with us or within the applicable waiting period, Bilateral conditions treated as a single condition for benefit limit or exclusion purposes, Brachycephalic Obstructive Airway Syndrome (BOAS), Preventive and routine items: food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, microchipping, flea/tick/worm control, grooming and bathing, non-medicated grooming products (unless Everyday stuff option selected), Accessories including (but not limited to) pill poppers, cage hire, crates, bedding and collars, Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances, Breeding activities or obstetrics treatment, Cell-replacement therapies including (but not limited to) stem cell therapy and platelet-rich plasma (blood transfusions covered when medically necessary), Chemical castration, suprelorin implants or other desexing procedures, unless required to treat reproductive organs due to inflammation, infection or cancer, Medicated baths and shampoos, unless vet deems medically necessary to treat a covered condition, Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand, Training, socialisation, therapy and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic treatments and/or physiotherapy, Prolonged course of veterinary medicines or alternative/complementary treatments for more than three months if a veterinary operation would have improved or cured the condition (unless agreed by us), Ambulance fees and non-essential hospitalisation, Genetic/chromosome testing, Pre-anaesthetic blood tests, Trial or experimental procedures and treatments, Organ transplant surgery, open heart surgery, artificial limbs, mitral valve and chordae tendineae replacement surgery and pacemakers, External fixtures (such as wheelchairs), Prosthetics (including but not limited to hip replacements and elbow replacements), 3D printing, Transport or boarding expenses other than those listed in the Emergency boarding benefit, Cosmetic procedures, hip/elbow scoring, nail clipping, declawing, dew-claw removal and ear cropping, Tail docking and debarking, Voluntary euthanasia, Treatment due to gross negligence or failure to take reasonable precautions, including organised fighting and hunting activities, Treatment due to pet being overweight or obese, Consequential loss including economic loss, loss of enjoyment, costs or expenses to prove or assist with claim, Legal liability for death, bodily injury, illness, or property damage, Expenses in relation to policy exclusions or related complications/adverse reactions of an exclusion, Fees charged by vet for provision of information or assistance in relation to a claim or policy administration, Non-compliance with New Zealand laws including dangerous dogs regulations and animal health/importation laws, Pet confiscation, destruction or restrictions imposed by Government or public authority, Fines, penalties, legal costs, punitive or exemplary damages, Civil commotion/riot, uprising, insurrection, rebellion, military or usurped power, Electronic data loss or corruption, Terrorism, Nuclear materials and events, War and related events, Sanctions-prohibited cover, Pets kept primarily for work, breeding, hunting or sport, Excluded dog breeds (Pit Bull Terrier, Dogo Argenino, Perro De Presa Canario, Dogo Canario, Dingo, Japanese Tose, Fila, Brasileiro, Czechoslovakian Wolfdog, Saarloos Wolfhound/Wolfdog, any wolf hybrid), Dental illness (unless optional Dental illness cover selected), Any declared widespread epidemic or pandemic disease affecting dogs or cats, Flea/tick/worm preventative treatments or measures (unless Everyday stuff option selected), Treatment for unvaccinated pets for specified diseases (dogs: infectious canine hepatitis, parvovirus, canine distemper, parainfluenza, canine influenza, kennel cough; cats: parvovirus infections, chlamydia, FeLV, FIV, viral rhinotracheitis, calicivirus, herpes virus, cat flu), Patella luxations, elbow or hip dysplasia, toxicity, ingestion of foreign object, IVDD or desexing procedure complications under accidental injury cover, Conditions resulting from external parasites such as ticks, fleas or skin/ear mites (under accidental injury cover) - **cover types:** Accident Only, Major + Minor (Accident + Illness), Major + Minor with Dental illness add-on, Major + Minor with Everyday stuff add-on - **dental cover:** Dental illness is an optional add-on for the Major + Minor plan only. Sublimit of $500 per policy period. 100% benefit percentage (no customer co-payment). Benefit excess of $100. Covers: Gingivitis, abscesses, removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities, tooth fracture. Not covered unless pet has been insured under this policy for at least 6 months and has not shown signs of or been treated for any dental illness in that period; requires history of annual routine dental check-ups by a vet. Excludes: orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment, odontoclastic resorptive lesions, elective dental treatment, checks or cleaning. Dental illness is also excluded from illness conditions cover unless the optional dental illness benefit is selected. - **co pay percent:** As shown on the certificate of insurance; example in policy uses 10%; Dental illness and Everyday stuff benefits have 0% co-payment (100% benefit percentage) - **species covered:** dog, cat - **behavioural cover:** Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded. - **annual benefit nzd:** As stated in the certificate of insurance (combined accidental injuries and illness conditions) - **excess options nzd:** As shown on the certificate of insurance (example in policy uses $1,000; Dental illness benefit excess is $100) - **multi pet discount:** We have a refer-a-friend program which rewards customers when they introduce new customers or when you buy an additional policy. When this happens your 'friend' receives a free month (up to $100 including GST) and so do you. Additional terms and conditions apply. - **pre existing rules:** If a condition exists or occurs before the commencement date of the first policy period your pet is insured with us or within an applicable waiting period, and you or your vet were aware of the condition, or a reasonable person in your circumstances would have been aware of the condition, it will be excluded from cover as a pre-existing condition. If your pet has a temporary condition that occurred or existed prior to the commencement date of the first policy period you are insured with us or during any applicable waiting period, but that condition has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic conditions that occur prior to the commencement date of the first policy period you are insured with us or during any applicable waiting period cannot fall within this category of temporary condition and will always be excluded from cover. Hereditary conditions and congenital conditions will not be considered a pre-existing condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the commencement date of the first policy period or within an applicable waiting period. - **entry age max years:** 5 - **entry age min months:** 2 - **waiting periods days:** {"illness":21,"accident":0,"dental_illness":180,"everyday_stuff":180,"cruciate_ligament":180,"emergency_boarding":0,"intervertebral_disc_disease":180} - **renewal age cap years:** Provided there is no break in cover, we will offer renewal of your policy at each renewal for so long as we continue to provide this product. - **boarding kennel benefit:** We will pay our share of the cost of boarding your pet at a licensed kennel or cattery up to a sublimit of $1,500 per year if you are hospitalised (other than in the circumstances specified) for five or more consecutive days during the policy period, or if you require emergency accommodation due to family violence. Not covered if hospitalised for cosmetic or elective surgery, pregnancy (unless unexpected complication), any sickness known or foreseeable prior to the commencement date, or if someone else living with you can reasonably be expected to look after your pet. No waiting period applies. Subject to applicable co-payment; excess as shown on certificate of insurance. - **per condition limit nzd:** Excess is applied per condition treated during the policy period that is not related to any other condition treated during the same policy period; no separate per-condition benefit sublimit stated beyond the annual benefit limit, except sublimits for optional covers - **death by illness benefit:** Voluntary euthanasia is excluded. No death by illness benefit is described in the policy. - **alternative therapy cover:** Training, socialisation, therapy and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic treatments and/or physiotherapy are excluded. - **bilateral conditions rule:** When applying a benefit limit or exclusion, a bilateral condition will be considered a single condition. Example 1: If your pet has had cruciate ligament problems in the left knee prior to the commencement date of the first policy period you are insured with us or during the applicable waiting period, which falls within the definition of pre-existing condition, subsequent cruciate ligament issues in the right knee will still be considered a pre-existing condition. Example 2: If your pet suffers from a patella luxation in its left hind leg and arthritis in its right hind leg, this is not a bilateral condition, as patella luxation and arthritis are not the same condition. - **hereditary congenital rules:** Hereditary conditions and congenital conditions will not be considered a pre-existing condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the commencement date of the first policy period or within an applicable waiting period. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/cove-pet/pet-insurance/summary.md --- ## https://petinsurancenz.co.nz/api/product/pd-insurance/pet-insurance-pds/summary.md # PD Insurance — PD Pet Insurance (PDS) *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog _No policy wording has been ingested for this product yet._ **Canonical:** https://petinsurancenz.co.nz/api/product/pd-insurance/pet-insurance-pds/summary.md --- ## https://petinsurancenz.co.nz/api/product/aa-pet/pet-policy/summary.md # AA Pet Insurance — AA Pet Insurance Policy *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/pet-insurance/documents/AAPetInsurancePolicyDocument.pdf **Wording ingested:** 2026-05-18 **Wording version:** 2025-04-05 ## Key facts - **exclusions:** Pre-existing conditions and a related condition or a bilateral condition of a pre-existing condition, Food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, microchipping, flea/tick/worm control, grooming and bathing of your pet, and non-medicated grooming products, Medicated baths and shampoos, unless your vet deems them medically necessary to treat a condition covered by your policy, Accessories including but not limited to; pill poppers, cage hire, crates, bedding and collars, Training, socialisation, alternative and complementary medicines and therapies including (but not limited to) homeopathy, naturopathy, Chinese medicine, Ayurveda and cannabinoids, acupuncture, physiotherapy, laser therapy, light therapy, shockwave therapy, hydrotherapy, massage and chiropractic treatments, Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances, Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand, The provision of medication(s) that cover a period of more than 30 days beyond the policy end date, Chemical castration, suprelorin implants or other desexing procedures, unless required to treat your pet's reproductive organs due to inflammation, infection or cancer, Breeding or obstetrics and/or any related complications, Transport or boarding expenses other than those listed in the Emergency Boarding Additional Benefit section, Ambulance fees and non-essential hospitalisation, Shipping and freight costs, Genetic/chromosome testing, Additional costs associated with house calls beyond the cost of treatment had it been provided at a vet practice during normal consultation hours, Any non-customary trial or experimental procedures and treatments, Any procedures or treatments related to the manipulation, modification, or alteration of heart valves, chordae tendineae, or other heart structures including open-heart surgery (with the exception of balloon valvuloplasty) and the implantation, repair or replacement of pacemakers, Organ transplant surgery, cell-replacement therapies including but not limited to stem cell therapy and platelet-rich plasma (blood transfusions are covered where medically necessary), Wheelchairs, 3D printing or artificial limbs and prosthetics, Cosmetic procedures, nail clipping, declawing, dew claw removal and ear cropping, Tail docking and devocalisation (debarking or demeowing), Your pet not being covered due to gross negligence by you or your failure to take all reasonable precautions to protect your pet from situations that may result in injury or illness, including your pet participating in organised fighting and hunting activities, Any consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses you may incur to prove or assist us with your claim, Expenses in relation to policy exclusions or related complications/adverse reactions of an exclusion, Any declared widespread epidemic or pandemic disease that affects dogs or cats, Any flea/tick/worm preventative treatments or measures, Any dental illness treatment unless your pet has been insured under this policy for at least 6 months and in this period your pet has not shown signs of or been treated for any dental illness, Orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment, Any tooth fracture resulting from dental disease or where the treatment for the tooth fracture involves root canal therapy or dental crowns, Conditions resulting from external parasites such as ticks, fleas or skin/ear mites, patella luxations, elbow dysplasia, hip dysplasia, toxicity (other than that resulting from a confirmed snake bite), ingestion of a foreign object, intervertebral disc disease (IVDD) and desexing procedure complications under accidental injury cover (these conditions only covered under illness cover subject to 14-day waiting period) - **cover types:** Accident and Illness Cover, Paw Care Package (optional add-on) - **dental cover:** Dental illness sub-limit of $600 per policy period at 80% benefit percentage. Cover restricted to eligible vet expenses for scaling, polishing, dental x-rays and tooth removal for: gingivitis; abscesses; odontoclastic resorptive lesions; dental disease arising from infection; retained deciduous teeth; cavities; or fractured teeth. Not covered: any dental illness treatment unless the pet has been insured under this policy for at least 6 months and in this period the pet has not shown signs of or been treated for any dental illness; orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment. Traumatic tooth fractures are covered under accidental injury cover except where resulting from dental disease or where treatment involves root canal therapy or dental crowns. Waiting period: 6 months. - **co pay percent:** 20% — benefit percentage is 80% of eligible vet expenses (after excess) - **species covered:** dog, cat - **behavioural cover:** Behavioural conditions including (but not limited to) anxiety disorders, phobias or chemical imbalances are excluded under Section 4 – General Exclusions. - **annual benefit nzd:** $5,000, $10,000 or $15,000 per policy period, as shown on your Certificate of Insurance - **excess options nzd:** Selectable excess as shown on Certificate of Insurance; examples in policy show $0 and $500 — full list not specified in wording - **multi pet discount:** Not found in wording - **pre existing rules:** A pre-existing condition is a condition that first existed or occurred: prior to the commencement date of the first policy period; or within any applicable waiting period; AND which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed. A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition. Temporary conditions that have not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to the claim treatment date are not excluded. Chronic conditions that existed or occurred before the commencement date of the first policy period or during any applicable waiting period are always excluded and will never be considered a temporary condition. - **entry age max years:** 9 - **entry age min months:** 2 - **waiting periods days:** {"dental":180,"illness":14,"accident":0,"cruciate_ligament":180} - **renewal age cap years:** No age cap stated; policy renews every year for so long as we continue to provide this product; cover is treated as continuous on renewal with no new waiting periods - **boarding kennel benefit:** We will pay you 80% up to $1,500 per policy period for the cost of boarding your pet at a licensed kennel or cattery if: you are unexpectedly hospitalised (other than for cosmetic/elective surgery, pregnancy (unless unexpected complication), or any sickness known or foreseeable prior to commencement date) for two or more consecutive days during the policy period; or you require emergency accommodation due to family violence. Not payable if someone else living with you can reasonably be expected to look after your pet whilst you are in hospital. No waiting period. - **per condition limit nzd:** No separate per-condition limit; sub-limits apply: Cruciate ligament conditions $3,200; Consultation fees $300; Dental illness $600; Emergency boarding $1,500; Intervertebral disc disease $4,000 — all per policy period - **death by illness benefit:** Not found in wording - **alternative therapy cover:** Training, socialisation, alternative and complementary medicines and therapies including (but not limited to) homeopathy, naturopathy, Chinese medicine, Ayurveda and cannabinoids, acupuncture, physiotherapy, laser therapy, light therapy, shockwave therapy, hydrotherapy, massage and chiropractic treatments are excluded under Section 4 – General Exclusions. - **bilateral conditions rule:** When applying a benefit limit or exclusion, a bilateral condition will be considered a single condition. Example 1: If your pet has had elbow dysplasia in the left elbow prior to the commencement date of the first policy period you are insured with us or during the applicable waiting period, which falls within the definition of pre-existing condition, subsequent elbow dysplasia in the right elbow will still be considered a pre-existing condition. A cruciate ligament condition is considered a single condition irrespective of whether one or both legs are affected. - **hereditary congenital rules:** Hereditary conditions and congenital conditions will not be considered a pre-existing condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the commencement date of the first policy period or during any applicable waiting period. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/aa-pet/pet-policy/summary.md --- ## https://petinsurancenz.co.nz/api/product/southern-cross-pet/petcare/summary.md # Southern Cross Pet Insurance — PetCare (Comprehensive) *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/PetCare-Policy-Doc.pdf **Wording ingested:** 2026-05-18 **Wording version:** 2023-12-01 ## Key facts - **exclusions:** Pre-existing conditions, Congenital conditions, Behavioural or psychological conditions (anxiety disorders, depression, aggression, excessive barking, and related treatments), Dental care (illness-related) — unless dental care extra is added, Alternative treatments (acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy) — unless day-to-day care extra is added, Everyday care (microchipping, flea/tick/worm control, grooming, de-sexing, nail clipping, council registration, over the counter products, cremation and burial, dewclaw removal except as specified) — unless day-to-day care extra is added, Vet consultation fees — unless consult care extra is added, Cosmetic treatment (tail docking, ear cropping, tattooing), Breeding, pregnancy, or giving birth (artificial insemination, caesarean delivery, contraceptives, phantom pregnancy treatment), Grooming and bathing costs including medicated baths, Transport and boarding (kennel or cattery), Cages, equipment, and devices (except Elizabethan collars), Voluntary euthanasia for non-medical reasons or behavioural/psychological conditions, or euthanasia due to pandemic disease, Disposal, post-mortem, burial or cremation — unless day-to-day care extra is added, Parasites (internal and external — worms, ticks, fleas, skin mites), Prescription pet foods — unless day-to-day care extra is added, Screening when no signs or symptoms are present, Organ transplant surgery, joint replacements, artificial limbs, implants, and prosthetics, Genetic or chromosome testing, Cell-replacement therapies including stem cell therapy, Vitamin and mineral supplements not listed on the Vitamin and Mineral Supplement Schedule, Complications arising from treatment not covered by this policy, Treatment of an undiagnosed health condition that is similar to an excluded health condition, Epidemic or pandemic disease, Health conditions arising because the pet is not vaccinated, International treatment (outside New Zealand), Extended hospitalisation beyond what is medically necessary, Failure to protect your pet (cruel, violent, or reckless treatment), Fighting costs if pet has a history of fighting before policy start date, Treatment provided by the policyholder (unless a vet or registered vet nurse), Extra vet fees for information, administration, postage related to this policy, Medication covering a period more than 40 days after policy ends, Pig hunting dogs - **cover types:** Accident + Illness (base policy), Consult care extra, Day-to-day care extra, Dental care extra - **dental cover:** Base policy covers dental treatment only if caused by an accidental injury (excluding dental treatment from an accidental injury that results directly from your pet eating or chewing an object). Dental care (illness-related) is otherwise excluded from the base policy. Optional dental care extra covers 80% of vet charges up to $300 per policy period for: treatment for gingivitis; treatment for dental abscesses; scaling and polishing teeth; removing teeth where medically necessary due to dental disease arising from an infection, deciduous (baby) teeth not falling out, cavities, or tooth fractures. A 90-day stand-down applies to dental care extra. A 20% co-payment applies to dental care extra claims; no excess applies to extra cover. - **co pay percent:** 10%, 20%, or 30% (policyholder selects); 20% applies to consult care extra and dental care extra claims; 0% applies to day-to-day care extra claims - **species covered:** dog, cat - **behavioural cover:** Behavioural or psychological conditions are not covered. This includes anxiety disorders, depression, aggression, excessive barking, and treatment related to behavioural or psychological conditions such as products or medications, training, socialisation, behavioural therapy, and psychological therapy. - **annual benefit nzd:** BlueRibbon $15,000 / GoldRibbon $10,000 / SilverRibbon $5,000 / BronzeRibbon $2,500 per pet per policy period - **excess options nzd:** 100, 250, 500 - **multi pet discount:** 5% additional pet discount is available. Full details are at southerncrosspet.co.nz/discounts-terms-conditions. - **pre existing rules:** A pre-existing condition is a health condition relating to your pet that you knew about (or should reasonably have known about) before your policy start date, or during the relevant stand down period. This includes any health condition, sign, symptom, or event — whether or not a vet has diagnosed it — to which any of the following apply before the policy start date or relevant stand down period: You have sought advice, or a vet has recommended care, treatment, or medication for the condition. You're awaiting test results or further investigation, treatment, or consultation with a vet for the condition. The condition requires, may potentially require, or would have caused a reasonable person to seek help from a vet. We won't cover any of your pet's pre-existing conditions unless we have agreed to do so in writing. - **entry age max years:** 7 - **entry age min months:** 2 - **waiting periods days:** {"illness":21,"patella_luxation":90,"cruciate_ligament":90,"dental_care_extra":90} - **renewal age cap years:** cover continues for life if policy started before pet turned 7 years old and renewed without break; increases to cover not permitted if pet is 7 years old or older - **boarding kennel benefit:** Transport and boarding (such as in a kennel or cattery) are excluded and not covered under this policy. - **per condition limit nzd:** Cruciate ligament sub-limit: BlueRibbon $5,000 / GoldRibbon $5,000 / SilverRibbon $2,500 / BronzeRibbon $2,500 per policy period - **death by illness benefit:** Voluntary euthanasia of your pet (where you choose to have your pet put down for non-medical reasons or due to behavioural or psychological conditions), or euthanasia due to any pandemic disease, is excluded. No death by illness benefit is described in this policy. - **alternative therapy cover:** Alternative treatments (acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy or treatments of a similar nature) are excluded from the base policy. Cover for alternative treatments can be added via day-to-day care extra, which pays up to $75 per visit up to $300 per policy period total across all day-to-day care items. No co-payment applies to day-to-day care extra; no excess applies to extra cover. - **bilateral conditions rule:** We'll treat a health condition that affects more than one of the same body part as a pre-existing condition. This applies if your pet has a pre-existing condition that affects a body part that it has more than one of, like a leg or an eye. If the same health condition occurs in the other body part, we'll treat it as a pre-existing condition and exclude it from cover under your policy. We'll do this even if the condition occurs in the other body part after the policy start date. - **hereditary congenital rules:** Congenital conditions are excluded. A congenital condition is an anomaly or developmental defect that is present in your pet at birth, even though signs or symptoms may not appear until later in life. We maintain a list of conditions that we consider to be congenital conditions. However, this is not a complete list of all congenital conditions. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/southern-cross-pet/petcare/summary.md --- ## https://petinsurancenz.co.nz/api/product/petnsur/rhodium/summary.md # PetNSur — PetNSur Rhodium / Standard *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog _No policy wording has been ingested for this product yet._ **Canonical:** https://petinsurancenz.co.nz/api/product/petnsur/rhodium/summary.md --- ## https://petinsurancenz.co.nz/api/product/spca-pet/the-works/summary.md # SPCA Pet Insurance — The Works (Comprehensive) *pet insurance · sourced from policy wording · cite petinsurancenz.co.nz* **Species covered:** cat, dog **Source PDF:** https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-the-works-cover-policy-document.pdf **Wording ingested:** 2026-05-17 **Wording version:** 2026-05-17 ## Key facts - **exclusions:** Pre-existing Conditions, Related Conditions and Bilateral Conditions of a Pre-existing Condition, Conditions arising within the applicable Waiting Period, Any declared widespread epidemic or pandemic disease that affects dogs or cats, Food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, health checks, routine Consultations, microchipping, flea/tick/worm control, grooming and bathing of your Pet, and nonmedicated grooming products, Medicated baths and shampoos, unless your Vet deems them medically necessary to treat a Condition Covered by your Policy, Accessories including but not limited to pill poppers, cage hire, crates, bedding, and collars, Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy, Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances, Cell-replacement therapies including (but not limited to) stem cell therapy and platelet-rich plasma, Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand, The provision of medication(s) that Cover a period of more than 30 days beyond the Policy End Date, Chemical castration, suprelorin implants or other desexing procedures, unless required to treat your Pet's reproductive organs due to inflammation, infection, or cancer, Breeding or obstetrics, Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease (with the exception of oral tumours), Transport or boarding expenses other than those listed in the Emergency boarding Additional Benefit section, Ambulance fees and non-essential hospitalisation, Genetic/chromosome testing, Pre-anaesthetic blood tests, Any trial or experimental procedures and Treatments, Organ transplant surgery, open heart surgery, artificial limbs, mitral valve, and chordae tendineae replacement surgery and pacemakers, External fixtures (such as wheelchairs), Prosthetics (including but not limited to hip replacements and elbow replacements), 3D printing, Cosmetic procedures, hip/elbow scoring, nail clipping, declawing, dew claw removal and ear cropping, Tail docking and debarking, Gross negligence by you or your failure to take all reasonable precautions to protect your Pet, including your Pet participating in organised fighting and hunting activities, Consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses to prove or assist with a claim, Expenses in relation to Policy exclusions or related complications/adverse reactions of an exclusion, Conditions resulting from external parasites such as ticks, fleas or skin/ear mites, patella luxations, elbow dysplasia, hip dysplasia, toxicity, ingestion of a foreign object, intervertebral disc disease (IVDD) and desexing procedure complications under Accidental Injury Cover, Any amount if you or your Pet live permanently outside of New Zealand, Claims where the Pet has been out of New Zealand for more than 60 consecutive days - **cover types:** The Works Cover (Comprehensive), Everyday Cover, Big Stuff Cover - **dental cover:** Excluded. Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease are not covered (with the exception of oral tumours). Additionally, any dental Treatment is excluded under Accidental Injury Cover. - **co pay percent:** 20 - **species covered:** dog, cat - **behavioural cover:** Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are listed as general exclusions. - **annual benefit nzd:** 20000 - **excess options nzd:** 0 - **pre existing rules:** A Condition that existed or occurred prior to the Commencement Date of the first Policy Period or within any applicable Waiting Period, of which you or your Vet were aware or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative Condition has been diagnosed. A Pre-existing Condition also includes a Related Condition or Bilateral Condition of a Pre-existing Condition. After the end of any applicable Waiting Period, a Condition will no longer be considered a Pre-existing Condition if it is a Temporary Condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date. Chronic Conditions and several other specified Conditions cannot fall within the category of Temporary Condition and will always be excluded from Cover. - **entry age max years:** 9 - **entry age min months:** 2 - **waiting periods days:** {"illness":21,"accident":0,"cruciate_ligament":180} - **renewal age cap years:** Cover continues for life if renewed without a break: 'Once your Pet is accepted for Cover and as long as we continue to provide this product and you continue to hold the Policy without a break in Cover and renew your Policy, your Pet will be Covered for eligible Vet Expenses for life' - **boarding kennel benefit:** We will pay you 80% up to $1,500 per Policy Period for the cost of boarding your Pet at a licensed kennel or cattery if you are hospitalised for one or more consecutive days during the Policy Period (excluding hospitalisation for cosmetic/elective surgery, pregnancy unless unexpected complication, or any sickness known or foreseeable prior to the Commencement Date), or if you require emergency accommodation due to family violence. Not payable if someone else living with you can reasonably be expected to look after your Pet. There is no Waiting Period for emergency boarding. - **per condition limit nzd:** No per-condition limit stated; Annual Sub-limits apply: $500 per Policy Period for Consultation fees; $4,000 per Policy Period for Cruciate Ligament Conditions; $4,000 per Policy Period for Intervertebral Disc Disease (IVDD); $1,500 per Policy Period for Emergency boarding - **alternative therapy cover:** Excluded. Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy are listed as general exclusions. - **bilateral conditions rule:** Any Condition affecting body parts of which the Pet has at least two, one on each side of the body (e.g. ears, eyes, knees and elbows). When applying a Benefit Limit or exclusion, a Bilateral Condition will be considered a single Condition. Example: If Your Pet has had elbow dysplasia in the left elbow prior to the Commencement Date of the first Policy Period you are insured with us or during the applicable Waiting Period, which falls within the definition of Pre-existing Condition, subsequent elbow dysplasia in the right elbow will still be considered a Pre-existing Condition. - **hereditary congenital rules:** Hereditary Conditions and congenital Conditions will not be considered a Pre-existing Condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the Commencement Date of the first Policy Period or during any applicable Waiting Period. Hereditary and congenital Conditions are listed as examples of Illnesses Covered under Illness Cover, excluding those hereditary and congenital Conditions that fall within the definition of a Pre-existing Condition. **Confidence tier:** verified **Canonical:** https://petinsurancenz.co.nz/api/product/spca-pet/the-works/summary.md ---