Compare Cat Insurance
All 5 top providers side by side — premiums, limits, excess, co-payments, and full coverage breakdown.
Full Provider Comparison
| ⭐ Recommended | |||||
|---|---|---|---|---|---|
| Feature | |||||
| Annual Benefit Limit | Up to $14,000 | Up to $15,000 | Up to $20,000 | Up to $25,000 | Up to $25,000 |
| Excess (from) | From $100 | $250 | From $0 | From $100 | From $200 |
| Co-Payment | None on most plans | 20% co-payment | None — 100% reimbursement | None on top tier | None |
| Monthly Premium (from) | $28 | $32 | $22 | $36 | $26 |
| Coverage Details | |||||
| Accidents & Emergency | |||||
| Illness Cover | |||||
| Cancer Treatment | |||||
| Kidney/Chronic Disease | |||||
| Dental Illness | Premium plan | Premium plan | Major plan | ||
| Hereditary Conditions | Premium plan | ||||
| Alternative Treatment | Add-on | ||||
| Direct Vet Billing | |||||
| Boarding Fees | Add-on | ||||
| Theft & Straying Cover | Add-on | ||||
| Multi-Pet Discount | |||||
| No Age Loadings | |||||
| Monthly Payment Option | |||||
| Online Claims | |||||
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All Cat Insurance Providers
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
PD Insurance
NZ's only 100% reimbursement insurer — no co-payments, no age loadings on any plan
What's Covered
- True 100% reimbursement — zero co-payments
- No age-based premium loadings
- Monthly payment at no extra cost
- Accident Plan from $10/month
Key Limitations
- Newer insurer — smaller claims team
- Dental illness not on base Accident plan
- No direct vet billing (reimbursement model)
SPCA Pet Insurance
Highest NZ annual limit ($25,000) — every policy supports SPCA animal welfare
What's Covered
- $25,000 annual benefit limit — highest in NZ
- Up to 90% reimbursement on Total Cover tier
- Designed for large, unexpected surgeries
- 10% multi-pet discount
Key Limitations
- Higher premiums on comprehensive plans
- Co-payment on lower-tier plans
- No direct vet billing
Cove Insurance
$25,000 limit with no restrictive per-condition caps — great for complex health cases
What's Covered
- Up to $25,000 annual policy limit
- No restrictive per-condition limits
- Competitive premiums for higher excess
- Online-first — quick claims via app
Key Limitations
- $200+ excess on most plans
- Smaller insurer — less brand recognition
- Dental cover on Major Plan only
Three Policy Types — Which Do You Need?
Real Pricing Scenarios — 2026
Indicative monthly premiums for typical cats. Based on publicly available pricing, lowest excess option, accident and illness cover.
Prices are indicative. Get a personalised quote from each insurer for accurate premiums based on your cat's details.
Our Independent Assessment of Cat Insurance in 2026
New Zealand currently has five specialist cat insurance providers — Petcover, Southern Cross Pet Insurance, PD Insurance, SPCA Pet Insurance, and Cove — plus broader pet insurers like AA and Tower that include cat cover. This comparison focuses on the five dedicated providers, which consistently offer more competitive pricing and deeper coverage for cats.
The most important things to compare are not just monthly premiums. Annual benefit limits, co-payment percentages, excess options, and waiting periods all affect how much you actually receive back when you claim.
Our analysis found significant variation: on a $5,000 cancer treatment claim, a policyholder with PD Insurance (no co-payment, $150 excess) would receive $4,850 back, while the same claim with Southern Cross (20% co-payment, $250 excess) yields $3,800 — a $1,050 difference annually.
All information is based on publicly available policy documents and pricing as of April 2026. Premiums are indicative and depend on your cat's age, breed, and chosen excess. Always read the full policy wording before purchasing.
Not Sure Which Policy Is Right for Your Cat?
Our advisors will compare all options and recommend the best plan for your cat's age, breed, and lifestyle. Free, no obligation.