As a Pulse Energy customer, you can receive a 20% discount off your pet insurance, plus a complimentary first month worth up to $100!*
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 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 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.
Frequently Asked Questions
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Who do I contact if I have a question about my insurance cover?
All enquiries about your Cove policies, including billing and claims, can be directed to the Cove team directly. You can reach the team via the Contact page on our website.
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How will I be billed for my insurance with Cove?
When purchasing an insurance policy with Cove, you will be billed directly by Cove at the frequency you select when purchasing your policy online. You have the option of paying your policy monthly or annually. Note that your Cove policies will be billed separately to your Pulse Energy account.
If you have billing enquiring please contact the Cove team here.
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How do I make a claim?
You can lodge a claim online directly with Cove, or call Cove on 0800 268 347 and select option 1 to be put through to the claims team. Lodging a claim online is quick and easy, more so if you do this from within your My Cove account.
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Will I receive a discount if I am already a Cove customer?
If you are an existing Cove customer and would like to apply the Pulse Energy discount, please get in touch with the Cove team via our Live Chat or by sending your Pulse Energy Account Number to support@coveinsurance.co.nz
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Is this partnership going to be a long-term arrangement?
Your Cove discounts will apply during the period you are an active Pulse Energy customer. This is further explained in the offer Terms & Conditions.
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What happens to my premium if I am no longer a Pulse Energy customer?
The discounts apply only while you hold an active account with Pulse Energy. If you are no longer a Pulse Energy customer, your premiums may revert to the standard amount without discounts. This is further explained in the offer Terms & Conditions.
How to make a claim
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
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.
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Pet Insurance Queries & Support