Dog insurance you’ll love

We are striving to offer the best dog insurance in NZ! This ensures you are able to get the care your dog needs if he or she is ill.

Policy Types at Cove

Cove offers three dog insurance policies…

accident only pet insurance

Accident Only

⭐ MOST AFFORDABLE

A budget-friendly dog 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 dog.

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 dog’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 dog insurance?

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 dog, 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 dog might need more minor treatment. The Major + Minor policy gives Matilda the peace of mind that her dog has a policy that can be called upon for a wider range of scenarios.

Cove is making dog insurance simple

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

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Get a dog insurance quote

Simple online quote

Getting a dog 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 dog 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 dog 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

Ready to Compare Dog Insurance Quotes?

Start your online quote by selecting a dog breed below…

labrador insurance nz

Labrador Insurance

Labs are gentle companions and are New Zealand’s most registered dog. Compared to other breeds of dogs, Labrador Retrievers enjoy a nice refreshing dip in the water and enjoy a regular game of fetch. You can get a Labrador Retriever insurance quote online in just a few minutes.

huntaway insurance nz

Huntaway Insurance

The Huntaway was originally bred in New Zealand, making this dog breed a true Kiwi! It is also one of the most popular dog breeds in NZ, just behind the Labrador. Huntaways enjoy having a space outside to run and explore, and aren’t so keen on being kept indoors for too long. Get a pet insurance quote from Cove to see what it would cost to insure your Huntaway.

Jack-Russel Terrier insurance nz

Jack Russell Terrier Insurance

Did you know the Jack Russell Terrier was originally bred to hunt foxes? These small, clever dogs are bundles of energy who enjoy playing throughout the day. Like any high-energy dogs, they can cause a bit of havoc around the home – so keep an eye out for torn-up pillows and bite marks in shoes. Get a Jack Russell insurance quote here.

German Shepherd Insurance nz

German Shepherd Insurance

German Shepherds are a popular dog breed in New Zealand, and are commonly associated with being police dogs. German Shepherd insurance quotes can be done online, just like any other dog breed. If something happens to your dog, having insurance gives you peace of mind.

dog insurance nz

Other dog breeds…

There are hundreds of dog breeds in New Zealand, so just because the breed of your pet isn’t listed above, doesn’t mean we can’t insure it. Start a quote and select your dog breed from the drop-down list, and we’ll have you a dog insurance quote in no time!

What is dog insurance?

Us Kiwis think of our dogs as an extra member of the family, and we all truly want to do all that we can to care for our dogs if they should ever fall ill or be injured. But we all know vet visits can be expensive! Dog insurance from Cove can help provide financial protection should your dog require medical care.

Is it worth getting dog insurance?

Pet insurance might not be your favourite bill to pay, but it can be a huge help financially when the time comes that you need it. You never know what is going to happen around the corner, and we know you’d never want to compromise on your dog’s health should they require care, so having a trusted dog insurance policy helps put your mind at rest

cove dog insurance

A Better Way of Doing Dog Insurance

Refreshingly simple dog insurance cover

Our goal is to provide the best dog insurance we can, and we are doing this by providing great dog insurance coverage, and a simple online quote process.

Dog insurance tailored to your lifestyle

Whether you have a Labrador Retriever, Huntaway, Border Collie, or something a little more exotic – we strive to provide the best dog insurance we can. Get a dog insurance quote from us today to check our prices, then buy online.

You’re in good company

Cove is founded by Kiwis, and made for the people of New Zealand. If you’re looking for pet insurance for dogs, then get a quote from Cove today.

dog insurance

Try Cove dog 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