Cat insurance you’ll love

Get a cat insurance quote online from Cove in as little as two minutes. Our goal is to provide the best insurance for cats we can!

Policy Types at Cove

Cove offers three cat insurance policies…

accident only pet insurance

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 pet insurance

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
  • $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 cat insurance?

Which of these scenarios do you relate with most…

Accident Only

Mia treats her cat like a king, and knows it’s from a leading breeder with a history of breeding strong, healthy cats. For Mia, she decides to buy cover just for those nasty unforeseen events, such as her beloved cat 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 cat, 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.

Cove is making cat insurance simple

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

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Get a cat insurance quote

Simple online quote

Getting a cat 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 cat 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 cat 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.

refer a friend insurance

A Better Way of Doing Cat Insurance

Refreshingly simple cat insurance

With Cove you can get cat insurance quotes online in as little as two minutes. We’ll ask you your cat’s name, breed, and age, along with a few extra questions, and provide you a cat insurance quote in no time.

Cat insurance tailored to your pet

Whether you have an adult cat or a fresh kitten, a Ragdoll, or a British Shorthair, we’ll do our best to provide you with a cat insurance policy that suits your needs.

You’re in good company

Cove is founded by Kiwis, and made for the people of New Zealand. We’re are a team of pet lovers who are striving to provide the best cat insurance in NZ. If you are wanting a cat insurance quote from Cove, simply scroll to the top of the page and click to get a cat insurance quote today.

cat insurance

Try Cove cat 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

Cat Insurance Queries & Support

0800 26 83 47