No excess cat insurance — keep more money in your pocket after every claim
PD Insurance is currently the only NZ cat insurer offering plans with a $0 excess — meaning every eligible dollar of your vet bill can be claimed back (subject to your annual limit). Here's how it compares to standard excess options.
Compare All ProvidersPD Insurance: The Only $0 Excess NZ Cat Insurer
PD Insurance's Accident, Classic, and Deluxe plans all include a $0 excess option. Combined with their no co-payment model, this means 100% of eligible vet costs are reimbursed — up to your annual limit. No other NZ cat insurer currently offers this combination.
The Trade-Off: Higher Premium
Zero excess plans have higher monthly premiums than equivalent plans with a $100–$250 excess. Calculate your expected claim frequency to determine whether zero excess or a higher excess with lower premiums offers better value for your specific cat.
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)