Year-round protection — annual cat insurance plans compared
All NZ cat insurance policies are annual — meaning you pay monthly or annually for 12 months of continuous cover. Annual limits (the maximum payout in any 12-month period) range from $2,500 to $25,000 depending on the plan.
Compare All ProvidersUnderstanding Annual Benefit Limits
The annual benefit limit is the maximum your insurer will pay out in any 12-month policy period. For example, a $10,000 limit means all claims combined in that year cannot exceed $10,000. Once the limit is reached, you pay 100% of vet costs until renewal.
Choosing the Right Annual Limit
For young, healthy cats, a $10,000 annual limit is typically sufficient. For senior cats or purebreds with higher health risks, a $15,000–$25,000 limit provides better long-term protection against serious illness.
Compare NZ 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)