Accident Cover for Cats
Protect your cat from the unexpected — accidents happen fast
From $10/month
Compare ProvidersAccident cover is the most basic form of cat insurance, covering unexpected injuries such as car accidents, falls, swallowed objects, cuts, and burns. In New Zealand, a single emergency vet visit for an accident can cost $1,000–$5,000+.
What's Covered
- Road accident injuries
- Falls and trauma injuries
- Swallowed foreign objects (surgery)
- Cuts, lacerations, and burns
- Fractures and broken bones
- Emergency vet consultations
- After-hours emergency care
What's Not Covered
- Pre-existing conditions
- Illness (unless you upgrade to accident & illness)
- Routine preventive care
- Dental cleaning
Providers Offering Accident Cover
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
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)
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
FAQs: Accident Cover
What counts as an accident for cat insurance?+
An accident is a sudden, unexpected physical event — like being hit by a car, falling, or swallowing a foreign object. It must occur after your policy start date.
Does accident cover include after-hours emergency care?+
Yes — most NZ accident plans cover after-hours emergency vet consultations and treatment.
Get Accident Cover
Compare All Providers
See how all 5 NZ cat insurers stack up — premiums, limits, excess, and coverage — in one place.
Compare All Providers