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$ Best Value
Cove Insurance
4.4/5(650 reviews)
Cove Insurance is a modern, online-first NZ insurer offering cat insurance up to $25,000 with no restrictive per-condition caps. Known for competitive premiums on higher-excess plans, Cove is ideal for cat owners who want high limits but are comfortable with a larger excess.
Get a Quote at CoveFrom
$26/mo
Monthly premium
Up to
Up to $25,000
Annual limit
Excess
From $200
Per claim
Co-pay
None
After excess
$25,000 limit with no restrictive per-condition caps — great for complex health cases
Available Plans
Minor Plan
From $18
Annual limit: $5,000
Excess: $350
Accidents & illnessVet consultsOnline claims
Major Plan
From $26
Annual limit: $25,000
Excess: $200
High limitNo condition capsDental cover
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
- No co-payment on Major Plan
Key Limitations
- $200+ excess on most plans
- Smaller insurer — less brand recognition
- Dental cover on Major Plan only
Waiting Periods
Accidents
0 days
Illness
14 days
Dental illness
6 months
How to Make a Claim
Submit claims online via Cove's app or website. Most claims assessed within 3–5 business days.
🏥 Any registered NZ veterinarian accepted.
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