Get a pet insurance quote online in just minutes. We are striving to build the best pet insurance in NZ.
Three ways to get cheap pet insurance:
Puppy & Kitten Discount Available
If your pet is under 6 months old, you’ll receive three monthly vouchers (up to $100 each!) to be used in each of your first 3 months with Cove
🎉 Free months
If your pet is under 6 months old, you’ll receive three monthly vouchers (up to $100 each!) to be used in each of your first 3 months with Cove
🎉 Free months
Multi-policy discount available
You’ll save when you take out more than one pet insurance policy.
🎉 Up to 10%
You’ll save when you take out more than one pet insurance policy.
🎉 Up to 10%
Annual discount available
Choose to pay annually for additional pet insurance savings.
🎉 Up to 10%
Choose to pay annually for additional pet insurance savings.
🎉 Up to 10%
Pet Insurance Policy Types at Cove
Cove offers three pet insurance policies designed to meet the needs of pet owners across New Zealand…
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 comparing pet insurance at Cove?
We’re here to help pet owners all across New Zealand make a great choice for their furry friends.
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.
Learn more about Accident Only Pet Insurance.
Major Stuff Cover
Nikau has recently adopted a dog and can comfortably manage routine vet consultations and minor health issues. However, what worries him is the possibility of facing a $5,000 bill for major surgery or intensive treatment. That’s why Nikau chooses Cove’s Major Stuff Cover. Designed for those unexpected, large vet bills, this policy makes it easy for New Zealand pet owners like him to get affordable protection, with a premium that stays manageable 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 goal is to provide the best pet insurance in NZ
How multi-policy discounts work at Cove:
If you plan to hold more than one policy with Cove, we have a multi-policy discount to save you lots!
Purchase your first policy
When purchasing a policy, you’ll be asked if you’re planning to have more than one policy with Cove. If you are, simply answer ‘Yes’ to this question.
Enjoy your discounts
You’ll then get immediate savings on your first policy with Cove. Once the first policy is purchased, you’ll also receive a voucher to use on all additional policies giving you a free month, worth up to $100, plus our standard multi policy discount.
Here’s How Pet Insurance Claims Work:
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.
Lodge a Claim
Then submit a claim online, along with some details about what happened, and the vet’s invoices and documentation.
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
Most 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 cheap pet insurance quote online now
Frequently Asked Pet Insurance Questions
What’s covered?
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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.
Roughly one in 10 cat owners and one in five dog owners insure their pets according to Stuff.co.nz
Choose the policy which best fits your own individual needs & budget, or speak to us on Live Chat if you have any questions.
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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.
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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.
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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
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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.
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Which vet can I use?
You can choose to use any NZ registered veterinarian.
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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.
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What should I do if my dog eats a Karaka berry?
If your dog eats a Karaka berry, call your vet immediately, as these berries are highly toxic and can be fatal. Do not try to induce vomiting unless instructed by a professional. Symptoms like vomiting, drooling, weakness, tremors, or seizures can appear within hours, but even if your dog seems fine, urgent veterinary care is essential.
To prevent future incidents, avoid areas with Karaka trees, keep your dog on a leash, and train them to ignore unfamiliar objects. Early action could save your dog’s life. Refer to our Karaka tree map to help plan your walks to avoid Karaka berries.
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.
Simple online pet insurance 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, our New Zealand-based team is available on live chat.
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.
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.
Service so good, you’ll tell your mates
Kiwis love sharing good things, and many of our Cove customers are referring their friends and family across New Zealand. Each time they do, they get a free month of insurance. Once you join Cove, you can easily refer your mates through My Cove.
A Better Way of Doing Pet Insurance in NZ
Refreshingly simple pet insurance
We provide pet insurance online for Kiwis, so there’s no need to call or visit a branch to get things started. Our flexible pet insurance is simple to organise and easy to understand for pet owners across NZ.
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
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Pet Insurance Queries & Support