Four ways to save with Cove:
Discount applied
A free month has already been applied, worth up to $100.
🎉 Free month
A free month has already been applied, worth up to $100.
🎉 Free month
Puppy & kitten discount available
If your pet is under 6 months old, you’ll receive 3 months of savings.
🎉 Free months
If your pet is under 6 months old, you’ll receive 3 months of savings.
🎉 Free months
Multi-policy discount available
You’ll save when you take out more than one policy.
🎉 Up to 10%
You’ll save when you take out more than one policy.
🎉 Up to 10%
Annual discount available
Choose to pay annually for additional savings.
🎉 Up to 10%
Choose to pay annually for additional savings.
🎉 Up to 10%
Policy Types at Cove
Cove offers three pet insurance policies…
Accident Only
⭐ MOST AFFORDABLE
A budget-friendly pet insurance plan for those sudden unforeseen events. This plan covers your pet for accidental injury only.
Pick this product if your major concern is large unexpected accidents, and you’re happy to cover illness-related bills.
Major
⭐ MOST POPULAR
A budget-friendly cover that covers both accidents and illnesses, and is designed to be used only for those eye-watering large vet bills, and not the everyday expenses of caring for a pet.
Pick this product if you’re concerned about major accidents or illness for your pet but are happy with the everyday expenses.
Major + Minor
⭐ MOST COMPREHENSIVE
Our most comprehensive policy that covers both accidents and illnesses, and is designed to be used for a larger range of vet bills, from skin conditions to larger operations & treatments.
Pick this product if you’d like more certainty about what you’ll need to pay in a year for your pet’s health needs and protection from larger unexpected events.
Accident Only Feature Summary
- $500 Excess
- 10% Co-pay
- Annual aggregate limit: $5,000
- Annual condition limit – None
- Covers accidental injury
Major Feature Summary
- $1,000 Excess
- 10% Co-pay
- Annual aggregate limit: $25,000
- Annual condition limit – None
- Covers accidental injury
- Covers illness
- Use of any registered vet in NZ
- Cruciate ligament conditions benefit
- Cover for hereditary & congenital conditions
- Cover for cancer treatment
- Cover for eye, ear and skin conditions
- Cover for parasite condition
Major + Minor Feature Summary
- Variable excess
- 20% Co-pay
- Annual aggregate limit: $25,000
- Annual condition limit – None
- Covers accidental injury
- Covers illness
- Use of any registered vet in NZ
- Cruciate ligament conditions benefit
- Cover for hereditary & congenital conditions
- Cover for cancer treatment
- Cover for eye, ear and skin conditions
- Cover for parasite condition
- Dental / Everyday (Optional extras)
This is only a summary of some of the benefits available as part of a Cove pet insurance policy. To find out about our cover including benefits, limits and exclusions, please review our policy wording before purchase.
Need help choosing?
Which of these scenarios do you relate with most…
Accident Only
Mia treats her dog like a king, and knows it’s from a leading breeder with a history of breeding strong, healthy dogs. For Mia, she decides to buy cover just for those nasty unforeseen events, such as her beloved dog being hit by a ute. With Cove’s Accident Only policy, Mia can lodge a claim to help with the consultations, X-Rays, and medications related to this event. However, since this is an extremely affordable policy, illnesses such as skin problems and cancer aren’t covered.
Major Stuff Cover
Nikau has recently adopted a dog, and can comfortably manage to pay for run-of-the-mill vet consultations and minor mishaps or health-related issues. However, what scares him is being faced with a $5,000 bill for major surgery or intensive treatment for an illness, so Nikau chooses Coves Major Stuff Cover. Because it is designed only to be used for those eye-watering large vet bills, the premium is much more affordable month to month.
Major + Minor Stuff Cover
Matilda has recently adopted a cat, and like Nikau, is worried about facing large vet bills for major surgery or intensive treatment for an illness.
However, Matilda also wants help in managing the occasions where her cat might need more minor treatment. The Major + Minor policy gives Matilda the peace of mind that her cat has a policy that can be called upon for a wider range of scenarios.
A Better Way of Doing Pet Insurance
Refreshingly simple pet insurance
We provide insurance for pets online, so you don’t need to call or visit a branch to get things started. Our flexible pet insurance is simple to organise, and easy to understand.
Our #1 goal is to provide the best pet insurance in NZ
We are striving to be the best company for pet insurance in NZ, and we won’t stop until we achieve it. To provide the best pet insurance we are focusing on exceptional customer service, quick online quotes, and amazing cover.
You’re in good company
Cove is founded by Kiwis, and made for the people of New Zealand. Review our pet insurance policy to see if it is right for you, then get a quick online quote for your cat or dog.
Try Cove pet insurance now and love it forever.
Amazing Cover
Designed by local experts
Pay Monthly
No long term commitments
Fast & Flexible
Manage your pet insurance online
Ready to help
Pet Insurance Queries & Support