Petcover topped the Canstar Most Satisfied Customers rankings for 2025, earning four 5-star ratings. Here's what that means in practice.
What Petcover Does Well
Range: Petcover offers more plan options than any other NZ cat insurer — from economy catastrophe cover right through to the full-featured Superior plan with optional extras.
Optional extras: Want boarding fee cover if you're hospitalised? Or cover for your cat if they're stolen or stray? Only Petcover offers these as add-ons.
Vet consultation cover: All Petcover plans include vet consultation fees — something not always guaranteed with basic plans elsewhere.
The Three Plans
- •Economy: $7,000 annual limit, from $22/month
- •Standard: $10,000 annual limit, from $28/month
- •Superior: $14,000 annual limit, from $38/month
Any Limitations?
The Superior plan's $14,000 limit is lower than SPCA or Cove's $25,000 maximum — something to consider if you want the highest possible limit. Dental illness is also only on the Superior plan.
Our Verdict
Petcover is our top pick for cat owners who want maximum flexibility and the confidence of an award-winning insurer. If you want optional add-ons, vet consultation fees included, and strong customer service, Petcover is the clear choice.
Rating: 4.8/5 — NZ's most flexible and consistently top-rated cat insurer.
James is a New Zealand personal finance writer who specialises in insurance and consumer protection. He owns two cats and believes in getting the right cover at the right price.
