Accident-only cat insurance — the most affordable way to protect your cat
Accident-only cat insurance covers unexpected physical injuries — from car accidents and falls to swallowed objects and burns. It's the most affordable type of cat cover in NZ, starting from around $10/month with PD Insurance.
Compare All ProvidersWhat Does Accident Cover Include?
Accident cover includes emergency vet consultations, surgery for injuries, hospitalisation after an accident, fracture treatment, and wound care. Most NZ accident plans have a $0 or very short waiting period.
Who Should Choose Accident-Only Cover?
Accident-only cover suits cat owners on a tight budget who primarily want protection from catastrophic emergency bills. It's also a good starting point — you can upgrade to accident and illness cover at renewal.
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)