We offer pet insurance options from just $1 a day for rabbits, cats, dogs and horses.

We offer up to $2,000 of free cover to new customers looking to insure their dog or cat aged up to 6 years old.

We do this to ensure you are able to check out all the information within your policy and make sure you have the level of coverage you require for your pet.

The free coverage also provides customers an affordable way to switch pet insurance providers.

Our free cover gives you up to $2,000 of free insurance coverage during that time. At the end of the free cover period, you can roll over onto one of our plans.

Terms and conditions apply.

Yes! As long as your policy is renewed each year, Pet-n-Sur can cover your precious pet for life!

Good news... Pet-n-Sur can help you insure your older pets with the highest entry age on Cats, Dogs and Rabbits of any insurer in NZ!

Cats and Dogs that are not classified as a Select Breed have an entry age of up to 11 years and 11 months on our Platinum, Gold, Silver and Surgical plans. Our Rhodium plan has an entry age of up to 7 years and 11 months.

Some dog breeds have various levels of entry age depending on the chosen plan and specific breed.

For Rabbits, the entry age is up to 1 year and 11 months and for Horses the entry age is up to 15 years 11 months.

Once you have arranged cover and the policy is renewed each year, they will be covered for life!

To view more info on our plans, click here.

Co-Pay is the percentage or dollar amount of each eligible claim that you contribute.

So for example, on our Rhodium Plan, if you have an eligible claim for $4,500 you would contribute $300 and Pet-n-Sur would contribute $4,200. On our Platinum Plan, the Co-Pay percentage is 20% so for the same example you would contribute $900 and Pet-n-Sur would contribute $3,600.

On some plans, the Co-Pay percentage will vary for certain treatments and on older pets.

You will find more info on how Co-Pay works on the Our Plans page and in your Policy Schedule.

Our most popular plan for Cats is our Silver Plan and for Dogs our Gold Plan is the most popular choice.

These plans offer comprehensive cover including additional benefits for Annual Vaccinations, De-sexing, Micro-chipping, Alternative Therapies and Funeral Costs.

Our Rhodium Plan has a fixed $300.00 for Cats and Dogs and is popular among clients who are happy to pay general day to day vet treatments but like the idea of Peace of Mind Protection for larger unexpected bills.

For Horses, our Gold Plan is the most popular and includes cover for Vet Bills, Annual Vaccinations, Theft, Saddlery / Tack and Floats.

Our Surgical Plans for Cats and Dogs and our Silver Plan for Horses, offer affordable cover options for less than a dollar a day!

Have a look at Our Plans page for more details. If you have any queries, get hold of us via the Contacts Page and we will provide the info you need.

Yes, on new policies there is a 21-day stand-down period for medical treatments and 7-day stand-down period for accident-related treatments from the day your cover commences.

However, the stand-down period is waived if you convert a free cover policy to full cover before the expiry date of the free cover!

You will have 7 days after the Commencement Date of your policy to consider the full terms and conditions of the policy you have taken out.

If you are not happy or change your mind during this 'free look' period, notify us in writing and we will cancel the cover and refund any payments you have made (an exception to this would be if you make a claim during the 'free look' period).

After the 'free look' period has passed, we understand that you have considered the Policy Schedule and Wording and we commit to providing the cover you requested.

Yes, Specialist Veterinarian costs are covered. On some plans, the Co-Pay percentage for treatments by Specialist Veterinarians will vary.

You will find more details on the Our Plans page. Your policy schedule and wording will contain full details on coverage for specialist treatments.

Hereditary Conditions are defined as conditions that occur in your Cat, Dog or Rabbit where the breed has a genetic predisposition to that condition.

These conditions may or may not be apparent in the pets parents however they show a clearly familial pattern of occurrence or a clear breed predisposition, as evidenced by a markedly increased odds ratio of the disease occurring in that breed when compared with the general Dog, Cat or Rabbit population.

That's certainly a bit of a mouthful, however, the good news is that with Pet-n-Sur, Hereditary Conditions that present for the first time after your pet's third birthday will be covered!

No. This is the main reason why Pet-n-Sur and your vet or breeder recommend you get your pet covered as early as possible and keep them covered each year!

Pet-n-Sur can provide cover for Cats and Dogs from 4 months of age, Rabbits from 2 months and Horses from 12 months.

Yes, Pet-n-Sur can provide cover for the life of your pet even if they require ongoing treatment.

On some plans, your Co-Pay percentage will vary on ongoing and chronic conditions however as long as your Policy is renewed each year, your pet will have access to the full benefits available every year.

For more info, head over to the Our Plans page. Full details are contained in your Policy Schedule and Wording.

Your Policy Schedule and Policy Wording contains all the Terms and Conditions that relate to the Policy you choose. Once you receive that document, read through it to make sure you are happy with the cover you selected.

Our generic Policy Wording can be viewed here.

If you have any questions or queries regarding your cover, get hold of us via the Contact Page or call our team on 0800 738 678.

Claim forms are available on our website for download.

Simply complete the form, attach all clinical summaries and receipts relating to the claim and send it to us by email (or snail mail or even fax it if you want!)

We will acknowledge receipt of your claim and our in-house Claims Team will manage your claim.

Our goal is to make the process as stress-free as possible for you.

You can help us help you by taking the time to ensure your Claim Form is fully completed and all Clinical Notes and receipts for payment are attached - incomplete claim forms are the number 1 reason for delays!

Obviously, some claims are more complex than others and can take longer to manage effectively.

However, we are committed to processing your claim as efficiently as possible.

And we don't just say that, we do that - 99.5% of claim payments are made within 14 days!