Multi-Cat Insurance
Insure your whole feline family — and save with multi-pet discounts
From $18–$45 per cat/month
Compare ProvidersIf you have two or more cats, multi-pet insurance policies can deliver meaningful savings. Several NZ insurers offer multi-pet discounts, and managing all your cats under one insurer simplifies claims and renewals.
Key Considerations for Multiple Cats
- SPCA offers 10% discount for each additional pet insured
- Each cat still needs their own policy and individual assessment
- Consolidating with one insurer simplifies claims management
- Consider each cat's individual health needs when choosing a plan
- Bundling with dog insurance is possible with most providers
Recommended Cover for Multiple Cats
Individual plans per cat tailored to age and breed — compare multi-pet discounts
Average cost: $18–$45 per cat/month
Multi-cat household tip
SPCA Pet Insurance gives the best multi-pet discounts in NZ (10% per additional pet). If you have 3+ cats, this can represent significant savings over the year. PD Insurance is also worth comparing for its no co-payment structure.
Recommended Providers for Multiple Cats
Petcover
Canstar Most Satisfied Customers Award 2025 — NZ's top-rated cat insurer
What's Covered
- Up to $14,000 annual benefit limit
- Vet consultation fees included
- Optional: alternative/complementary treatment
- Optional: boarding fees if owner hospitalised
Key Limitations
- Pre-existing conditions excluded
- Dental illness on premium plans only
- Optional extras increase premiums
Southern Cross Pet Insurance
Pet Easy-Claim lets your vet bill Southern Cross directly — no waiting for reimbursement
What's Covered
- PetCare plans with $2,500–$15,000 annual limits
- Pet Easy-Claim: vet bills insurer directly
- Skin conditions, cancer & chronic diseases covered
- Accidental injuries including broken bones
Key Limitations
- $250 annual excess applies
- 20% co-payment on all claims
- Pre-existing conditions not covered
FAQs: Multi-Cat Insurance
Can I insure multiple cats on one policy?+
No — each cat requires their own individual policy in NZ. However, many insurers offer multi-pet discounts when multiple animals are insured with them.
Which NZ insurer has the best multi-pet discount?+
SPCA Pet Insurance offers the best multi-pet discount at 10% per additional pet insured. Petcover and Southern Cross also offer discounts for insuring multiple pets.
Should each cat have the same level of cover?+
Not necessarily. A senior cat may need higher illness limits, while a young kitten's needs are different. Tailor the plan to each cat's age, breed, and health status.
Get a Multiple Cats Quote
Compare All Providers
See how all 5 NZ cat insurers stack up — premiums, limits, excess, and coverage — in one place.
Compare All Providers