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★ Most Comprehensive
Southern Cross Pet Insurance
4.7/5(3,120 reviews)
Southern Cross Pet Insurance is one of NZ's most trusted insurers, backed by the Southern Cross Health Society. Their unique Pet Easy-Claim service allows your vet to bill Southern Cross directly — no waiting for reimbursement. Highly recommended by NZ vets.
Get a Quote at Southern CrossFrom
$32/mo
Monthly premium
Up to
Up to $15,000
Annual limit
Excess
$250
Per claim
Co-pay
20% co-payment
After excess
Pet Easy-Claim lets your vet bill Southern Cross directly — no waiting for reimbursement
Available Plans
PetCare Basic
From $22
Annual limit: $2,500
Excess: $250
Accidents & illnessesVet consultsSurgery
PetCare
From $32
Annual limit: $5,000
Excess: $250
Wider illness coverSpecialist referralsCancer treatment
PetCare Ultimate
From $48
Annual limit: $15,000
Excess: $250
Highest limitAll conditionsDental illness
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
- Multi-pet discount available
- Backed by Southern Cross Health Society
Key Limitations
- $250 annual excess applies
- 20% co-payment on all claims
- Pre-existing conditions not covered
Waiting Periods
Accidents
0 days
Illness
14 days
Dental illness
6 months
How to Make a Claim
Use Pet Easy-Claim for direct vet billing, or submit receipts online. Claims typically processed within 5 business days.
🏥 Pet Easy-Claim available at participating NZ vets. All registered NZ vets accepted for reimbursement claims.
Ready to Get a Quote from Southern Cross?
Click through to get an instant online quote — no broker required.
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