Cat illness insurance — cover the conditions that cost the most
Illness claims account for the majority of cat insurance payouts in New Zealand. From cancer to kidney disease and diabetes, serious illness can cost thousands in vet bills — making illness cover the most important type of cat insurance to consider.
Compare All ProvidersWhat NZ Cat Illness Cover Includes
Comprehensive illness cover in NZ includes cancer diagnosis and treatment, kidney disease, hyperthyroidism, diabetes management, skin conditions, respiratory infections, specialist referrals, advanced diagnostics (MRI, CT), and hospitalisation.
Best Plans for Illness Cover
For illness coverage, Southern Cross PetCare Ultimate ($15,000 limit), PD Insurance Deluxe ($20,000 limit), and SPCA Total Cover ($25,000 limit) provide the most comprehensive protection. All three cover chronic ongoing conditions.
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)