Pet insurance you’ll love

Join Cove & you’ll get one month free, worth up to $100, on your new pet insurance policy.

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Your discount will automatically be applied on the payment page. View T&Cs.

Policy Types at Cove

Cove offers three pet insurance policies…

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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.

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Major

⭐ MOST POPULAR

A budget-friendly cover 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
  • $250 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.

Our #1 Goal is to Provide The Best Pet Insurance in NZ

Here’s How Claiming Works:

Take Care of Your Pet

Your pet’s health is our priority. When she needs veterinary care, go to your local vet and get her the treatment that she needs.

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Lodge a Claim

Then submit a claim online, along with some details about what happened, and the vet’s invoices and documentation.

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Get Reimbursed

Upon receiving all necessary paperwork we’ll review the claim, and reimburse your expenses upon acceptance of the valid claim.

Reimbursement is subject to submission & acceptance of a valid claim.

Important Things to Note

We don’t like to hide behind fine-print, so here are a few important things to note about pet insurance in New Zealand…

Excesses

All Cove plans have an excess, which is an amount you need to pay when you make a claim. A higher excess means your monthly premiums are more affordable. In fact, we’ve specifically designed our Major Stuff policy to have a higher excess to make it super affordable.

Co-payments

A Co-Pay is a standard feature of pet insurance policies in New Zealand. It is the percentage amount of each eligible claim that you contribute. So with a 20% co-payment, you’ll pay 20% towards the cost of eligible vet care. This means if the claim is for $1,000, your co-pay will be $200, along with any applicable excesses.

Pre-existing Conditions

As with nearly all pet insurance brands, Cove excludes pre-existing conditions. A pre-existing condition is one that occurs before you purchase a policy with us.

Waiting Periods

A waiting period is the amount of time that needs to pass before you can claim for certain accidents or illnesses. Cove has no waiting periods for accidental injuries, 21 days for illness conditions, and 6 months for cruciate ligament conditions.

Get A Pet Insurance Quote Online Now

Frequently Asked Questions

What’s covered?

  • What does Cove pet insurance cover?

    Cove offers three types of policy: Accident Only, Major, and Major + Minor. Exactly what each of these covers is summarised in the tables above, and can be found in the policy documents.

    In general, Accident Only provides cover for when your pet is involved in a sudden unforeseen accident – such as being hit by a vehicle. Our other two policy types cover this type of accident, but they also extend into illness.

    Choose the policy which best fits your own individual needs & budget, or speak to us on Live Chat if you have any questions.

  • What is not covered by Cove pet insurance?

    Pre-existing conditions are the main thing to be aware of. Any pre-existing conditions are not covered, and this includes any conditions that develop during the stand-down period.

    We recommend reading the policy document for full details.

  • Does Cove provide cover for pre-existing conditions?

    No, as with most pet insurance policies in New Zealand, Cove pet insurance does not cover what happened (or is related to what happened) before your policy began.

  • What is a co-payment?

    A Co-Pay is a standard feature of pet insurance policies in New Zealand. It is the percentage amount of each eligible claim that you contribute.

    So with a 20% co-payment, you’ll pay 20% towards the cost of eligible vet care. This means if the claim is for $1,000, your co-pay will $200, along with any applicable excesses.

Claims

  • What could delay a claim payment?

    When making a claim we’ll request a range of documents. Any possible hold-ups in providing these documents could delay your claim payment.

  • Which vet can I use?

    You can choose to use any NZ registered veterinarian.

  • How do I make a claim?

    All claims can be lodged online either via your MyCove account, or via the Claims page. Lodging a claim via MyCove is quicker as we have your information on file.

Cove is making pet insurance simple

Get a pet insurance quote in as little as 2 minutes, and manage your pet insurance online with Cove.

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Get a pet insurance quote

Simple online quote

Getting a pet insurance quote from Cove takes just minutes, and you can do it all online without picking up the phone. If you need help, you can find us on live chat.

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Start your cover

Buy your pet insurance online

Getting your new policy started is quick & easy. You can either start the policy immediately, or set a date you would like it to start.

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Manage your policy

Manage your pet insurance online

All Cove customers get access to My Cove, where you can see all your policies and manage them 24/7.

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Refer your friends

Service so good, you’ll tell your mates

A lot of Cove customers are referring their friends & family to Cove, and each time they do, they get a free month of insurance. Once you join Cove, you can refer your mates from My Cove.

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What do I need to get a pet insurance quote?

You’ll typically be asked for the following information when getting a pet insurance quote online. This is used to calculate the cost of insuring your pet.

pet name

Pet’s Name

This isn’t needed for the price of the policy…but we always like to know who we are working with!

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Pet’s Breed

Some breeds simply cost more to insure

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Pet’s Age

It’s best to buy pet insurance when your pet is young. Older pets tend to cost more to insure

pet gender

Pet’s Gender

All pet insurance brands in NZ will ask for your pets gender to help calculate a price

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Medical History

You’ll be asked if your pet has been desexed during the online quote process

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.

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Try Cove pet insurance now and love it forever.

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Amazing Cover

Designed by local experts

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Pay Monthly

No long term commitments

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Fast & Flexible

Manage your pet insurance online

Ready to help

Pet Insurance Queries & Support

0800 26 83 47