How Much is Pet Insurance in New Zealand?

When you bring a new pet into your home, ensuring their health and well-being becomes a top priority.

One way to manage the potential costs of veterinary care is by investing in pet insurance. But how much does pet insurance cost in New Zealand, and what factors influence these costs?

This guide will explore the average costs, what you can expect from different plans, and how to choose the right coverage for your furry friend.

Average Cost of Pet Insurance in New Zealand

Pet insurance premiums in New Zealand can vary significantly based on several factors, including the type of pet, their breed, age, and the level of coverage you choose.

On average, here’s a breakdown of what you might expect to pay:


  • Accident-Only Coverage: $15 – $40+ per month
  • Comprehensive Coverage: $20 – $80+ per month


  • Accident-Only: $10 – $25 per month
  • Comprehensive Coverage: $30 – $50+ per month

These figures are approximate and can vary depending on the plan you choose and the details of the policy. To get an actual quote for your pet, you can spend just 2 minutes getting an online quote.

Factors Influencing Pet Insurance Costs

Several factors affect the cost of pet insurance in New Zealand:

Breed: Certain breeds are more prone to specific health issues, which can affect the cost of insurance. For example, Bulldogs and Dachshunds may have higher premiums due to their predisposition to certain conditions.

Age: The age of your pet impacts the premium. Younger pets generally have lower premiums, while older pets might incur higher costs due to increased risk of health issues.

Type of Coverage: Basic plans typically cover accidents and illnesses, while comprehensive plans may also include wellness care, dental treatments, and other routine care, leading to higher premiums.

Excesses and Co-Payments: Policies with lower excesses and co-payments tend to have higher monthly premiums. Choosing a higher excess can reduce your monthly cost but means paying more out-of-pocket when a claim is made.

Types of Pet Insurance Plans

Pet insurance plans in New Zealand generally fall into two categories:

Accident-Only Plans: These plans cover injuries resulting from accidents such as broken bones. They are typically the most affordable option but do not cover illnesses.

Accident and Illness Plans: These provide more comprehensive coverage, including both accidents and illnesses. They are the most popular choice among pet owners as they offer broader protection. Some accident and illness plans, such as the Cove Major + Minor policy, also have add-ons for things like dental and those smaller frequent expenses such as blood tests and health checks.

Choosing the Right Pet Insurance

When selecting a pet insurance policy, consider the following tips:

Assess Your Pet’s Needs: Consider your pet’s breed, age, and health history. If your pet is predisposed to certain conditions, comprehensive coverage may be beneficial.

Compare Providers: Shop around and compare different insurance providers and plans. Look at the coverage details, exclusions, and customer reviews. Start with a quote from Cove using this link.

Read the Fine Print: Understand the policy terms, including what is covered and what is excluded. Pay attention to waiting periods, claim limits, and renewal terms.

Consider Your Budget: Choose a plan that fits your budget while providing adequate coverage. Balance the premium costs with potential out-of-pocket expenses.


Pet insurance can provide peace of mind by helping you manage the costs of veterinary care for your beloved pets.

In New Zealand, the cost of pet insurance varies based on several factors, but with careful consideration and comparison, you can find a plan that meets both your pet’s needs and your budget.

Investing in pet insurance is a proactive step towards ensuring your pet’s health and well-being, allowing you to enjoy many happy years together.

Does your pet need insurance?

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Cove enjoys a remarkable 4.8 star rating across hundreds of reviews, which is somewhat unheard of in New Zealand’s insurance industry.

Although ridiculously close, this isn’t a perfect 5 star rating…so we’ve still got work to do!

We’re aiming high, and we’d love to have you along for the journey.

The content presented on this page is provided for informational purposes only. Cove Limited makes no representations or warranties as to the accuracy, completeness or timeliness of the information. Each person should consult a qualified advisor for advice specific to their circumstances. Cove Limited assumes no liability for actions taken in reliance upon the information contained herein.

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