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Award-winning cat insurance

- Up to $15,000 cover for eligible vet bills
- Choice of policies, including ‘Umbrella for life’
- Up to 100% of eligible vet bills covered
- Manage your policy and claims online
- Choose any registered vet in New Zealand

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Pet insurance for cats across New Zealand

Cats bring joy and playful mischief into our lives, but their curiosity can lead to unexpected accidents. Even though it may seem like they have nine lives, having cat insurance means they’re protected for every one of them. With Petcover New Zealand, you can relax knowing your cat is covered from surprise vet bills and ready for all their adventures.

image of a tabby cat lying in the grass looking into the distance

Why choose Petcover cat insurance?

Join the 250,000 pet owners who’ve trusted us to keep their pets happy and healthy.

With no waiting periods for injuries and a simple claims process, insuring your pet cat is easy. Plus, our vet-endorsed policies and expert support means your feline friend always receives top-quality care.

Get a cat insurance quote

Find the right cat insurance

Superior plan Mid-range plan Safety-net plan

Superior – the most comprehensive insurance cover offered, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.

Superior

B

Umbrella for life

Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $2,000

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $2,000

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $2,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $2,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $2,000

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $2,000

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-point

B

Umbrella for life

Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $10,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,500
Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $500

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Entry

B

Umbrella for life

Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $9,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,500
Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $500

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Benefits

Superior

Mid-point

Entry

Umbrella for life

Umbrella for live cover means you can continue to claim for eligible treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

(As shown in the Certificate of Insurance.)

Up to $10,000

(As shown in the Certificate of Insurance.)

Up to $9,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination, consultation advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $2,000

Up to $500

Up to $500

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $2,000

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $2,000

Up to $500

Up to $500

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

$125
$125+20% (8+ years)
$125+35% (10+ years)

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-range – most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your cat’s needs.

Key

B

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligble veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Vet consultations

Covers the costs of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

The non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Vital

B

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligble veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $2,500

Vet consultations

Covers the costs of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

The non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Core

B

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligble veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $1,500

Vet consultations

Covers the costs of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

The non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Benefits

Key

Vital

Core

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligble veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

Covers the costs of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

The non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Safety-net – accidents or illness can happen at any time, Catastrophe and Economy policies provide cover for your cat when emergency treatment is needed.

Economy

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

12 months cover from first clinical signs

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit

(As shown in the Certificate of Insurance.)

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $1,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,000

Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,000

Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Up to $1,000

Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Multi-pet discount

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks – no limit

Waiting periods

riodIs the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Catastrophe 1

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $5,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Emergency repatriation

Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $1,500

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $2,500

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $3,000

365 day waiting period

Multi-pet discount

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$450 or $900

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

riodIs the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Catastrophe 2

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $10,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Emergency repatriation

Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $6,000

365 day waiting period

Multi-pet discount

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$450 or $900

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

Waiting periods

riodIs the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Benefits

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

12 months cover from first clinical signs

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Up to $400

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $1,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,000

Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,000

Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Up to $1,000

Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $500

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Up to $3,000

365 day waiting period

Up to $6,000

365 day waiting period

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$125
$125+20% (8+ years)
$125+35% (10+ years)

$450 or $900

$450 or $900

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks – no limit

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

riodIs the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.

Give your cat the care they need, when they need it.

Get a quote today

Up to 100% vet bills covered

Up to 100% vet bills covered

Receive up to 100% back on eligible vet bills, based on your level of cover.
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Award-winning customer service

Award-winning customer service

With more than 40 years’ experience, we’ve won several Feefo Trusted Service awards.
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Simple claims progress

We pay 9 out of 10 claims within just 5 working days.
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Cat insurance FAQs

Do I need pet insurance for a cat?

Cat insurance is a smart choice when you bring a cat into your home. Cats can face unexpected illnesses or accidents that lead to pricey vet bills. Having insurance helps cover those costs, so your cat gets the care they need without breaking the bank.

Cat insurance can cover you for:

Illness
Even the healthiest cats can fall ill, from common ailments like respiratory infections to more serious conditions like kidney disease. Veterinary treatments can be expensive, but with cat insurance, you’re protected against high costs, allowing you to focus on your cat’s recovery without the financial worry.

Injury
Cats are curious by nature, which sometimes leads to injuries, whether from a fall, a fight or an accident. Cat insurance covers emergency vet visits and treatments, taking care of unexpected costs.

Medical Procedures
Some cats require specialised medical procedures, from routine surgeries to more complex treatments. These can be expensive, but cat insurance can help to pay for the care your cat needs for a speedy recovery.

How does cat insurance work?

Simply choose a policy that fits your cat’s needs and stay on top of your premium payments. If your cat needs to visit the vet, you’ll usually pay the bill upfront and then file a claim with us afterwards. In some cases, we may be able to pay your vet directly.

Before making a claim, check your excess (this is the amount you pay towards a claim) to make sure it’s worth claiming for.

How much does cat insurance in New Zealand cost?

The cost of cat insurance in New Zealand typically starts from $29 a month^†, depending on your cat’s age, breed, health and the level of cover you choose. Comprehensive plans, like ‘Umbrella for life’ policies, tend to be more expensive as they offer more cover with fewer exclusions.

Can I get insurance for my older cat?

Yes, you can insure an older cat. However, because older cats are more likely to have existing health conditions, your options may be limited, and the cost could be high. Even with these challenges, insurance can still cover unrelated vet bills and more.

At Petcover, you can insure your kitten from 8 weeks old, or your cat up until their 8th birthday.

How to choose the right cat insurance for your pet

To choose the right cat insurance policy, compare our different plans, looking at cover options, exclusions and premium costs. Make sure to select a policy that covers your cat’s specific needs, offering the best balance between cost and cover. If in doubt, contact our friendly team and they will be happy to help.

Do indoor cats need insurance?

Yes, pet insurance is worth it for an indoor cat. While they face fewer risks, they can still develop illnesses and have accidents. With cat insurance you’re prepared for any unexpected vet bills so your cat can receive the best care.

Is Petcover cat insurance the same as Petplan cat insurance?

Yes, Petcover and Petplan Australasia merged in 2021. Petcover continues to offer comprehensive policies and the same great customer service that Petplan was known for.

Read our policy documents

Superior plan Mid-range plan Safety-net (Economy) plan Safety-net (Catastrophe 1 & 2) plan

† Prices are accurate at the time of publishing. Monthly premiums for a 4-year-old Australian Musk start at $29/month with the ‘Catastrophe 2’ plan with a $900 excess.