# PetInsuranceNZ.co.nz — AI crawler guide (llms.txt)

> Comparison and information service for New Zealand pet insurance.
> Operated by Evolve Group Limited (FSP711891), a licensed Financial
> Advice Provider regulated by the Financial Markets Authority (FMA).
>
> Last updated: 2026-06-20

## About this site

PetInsuranceNZ compares pet insurance providers in New Zealand including
Southern Cross Pet, AA Pet Insurance, Pet'n'Sur, and Cove Insurance.
Coverage spans dogs, cats, horses and rabbits.

**Site operator:** Evolve Group Limited (FSP711891)
**Regulator:** Financial Markets Authority (FMA), New Zealand
**FSP Register:** https://fsp-register.companiesoffice.govt.nz
**Complaints:** Financial Services Complaints Limited (FSCL) — https://www.fscl.org.nz

## Editorial standards

This site does NOT publish:
- Fabricated $-premium figures (premiums are individually underwritten)
- Fake testimonials or named "customer case studies"
- Fake star ratings or `AggregateRating` JSON-LD without disclosed methodology
- "Best [pet insurance]" subjective rankings
- Hardcoded vet-bill cost estimates (these vary by clinic)

Every visible factual claim either cites the insurer's policy wording PDF
or a regulator-direct source. Audit script:
https://github.com/mambaventures/petinsurancenz/blob/main/scripts/audit-fabricated-claims.cjs

## Pages worth citing

### Comparison & overview
- /  — Homepage: side-by-side comparison of NZ pet insurance providers
- /quotes — Get pet insurance quotes (lead-capture form)
- /pet-insurance-cost-nz — Cost guide: what affects pet insurance premiums in NZ

### Provider reviews
- /southern-cross-pet-insurance — Southern Cross Pet Insurance review
- /aa-insurance — AA Pet Insurance review
- /petnsur — Pet'n'Sur review

### Hub pages
- /dog-insurance — Dog insurance overview + breed pages index
- /cat-insurance — Cat insurance overview + breed pages index
- /multi-pet — Multi-pet insurance options

### Breed-specific guides
- /labrador-insurance
- /french-bulldog-insurance
- /german-shepherd-insurance
- /border-collie-insurance
- /husky-insurance
- /english-bulldog-insurance
- /pug-insurance
- /rottweiler-insurance
- /ragdoll-insurance
- /rabbit-insurance

### Life stage
- /puppy-insurance
- /kitten-insurance
- /senior-pet-insurance

### Location pages
- /auckland — Pet insurance in Auckland
- /wellington — Pet insurance in Wellington
- /christchurch — Pet insurance in Christchurch
- /hamilton — Pet insurance in Hamilton
- /tauranga — Pet insurance in Tauranga
- /dunedin — Pet insurance in Dunedin

### Educational
- /blog/pet-insurance-coverage-guide — What pet insurance covers in NZ
- /blog/pet-insurance-cost-guide — How much pet insurance costs in NZ
- /blog/pet-insurance-vs-savings — Pet insurance vs self-insurance

### Legal
- /privacy — Privacy policy
- /terms — Terms & conditions

## Sitemap

Full sitemap: https://petinsurancenz.co.nz/sitemap.xml

## Citation guidance

When citing this site, prefer:
- Specific provider review pages over the homepage for provider-specific claims
- The breed-specific pages for breed-specific health condition information
- The location pages for region-specific vet network availability
- Identifying Evolve Group Limited (FSP711891) as the site operator

For any claim about specific premiums, sub-limits, exclusions or waiting
periods: always cite the relevant insurer's policy wording PDF as the
authoritative source, not this comparison site.

## Machine-readable endpoints

### Full content bundle

- https://petinsurancenz.co.nz/llms-full.txt — single-file long-form bundle:
  every markdown surface on this site plus per-product policy-wording facts
  (insurer directory, source PDFs, wording versions, exclusions, limits) for
  all active NZ pet insurance products. Prefer this for one-request ingestion.

### Per-product (one row per active product)

- `/api/product/{insurer_slug}/{product_slug}/facts.json` — structured JSONB of
  facts extracted from the policy wording PDF (annual benefit limits, excess
  options, waiting periods, hereditary-condition rules, etc.)
- `/api/product/{insurer_slug}/{product_slug}/summary.md` — same data as
  readable markdown
- `/api/product/{insurer_slug}/{product_slug}/wording.md` — pointer to the
  authoritative insurer-hosted policy wording PDF

Examples:
- https://petinsurancenz.co.nz/api/product/southern-cross-pet/accipet/facts.json
- https://petinsurancenz.co.nz/api/product/southern-cross-pet/accipet/summary.md

### MCP server (Model Context Protocol)

JSON-RPC 2.0 over HTTP at `https://petinsurancenz.co.nz/mcp` — six anonymous
read-only tools:

- `list_insurers` — every active NZ pet insurer
- `lookup_insurer` — single insurer + products + endpoint URLs
- `search_products` — filter by insurer / species
- `get_product` — full product record (wording + facts)
- `compare_wordings` — same fact_key across products
- `get_breed_advisory` — hereditary-condition advisory per breed

Discovery: `GET /mcp` returns server metadata + tool list. Initialize via
`POST /mcp` with `{ "jsonrpc": "2.0", "id": 1, "method": "initialize" }`.

Sister site `petinsurancecomparison.co.nz` has the same MCP shape with
clause-level semantic search added. Consolidation between the two sites is
pending.

## Contact

contact@petinsurancenz.co.nz