By Rebecca Styles
Research Lead | Hautū Rangahau
Insurers want to make you the “best pet parent” by providing the “care your pet deserves”.
However, pet insurance cover doesn’t come cheap, and our survey found these policies can have a few claws you should be aware of before taking the plunge.
We compared the cost of eight comprehensive pet insurance policies for:
a 6-month-old moggy, and
a 4-month-old Labrador retriever.
We based our comparison on the maximum cover available under each policy.
What you pay
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Check the excess and co-payments
What’s covered
Routine care
Bells and whistles
Renewing the policy
Value for money?
Stand-down periods
Top claims
In 2023, PD Insurance reported that its top 10 claims for cats and dogs resulted from:
Dogs
Skin allergies
Ear infections
Gastro
Diarrhoea
Swallowing a foreign object
Eating poison
Vomiting
Injuries to limbs
Allergic reactions
Conjunctivitis
Cats
Bite wounds
Abscesses
Diarrhoea
Conjunctivitis
Urinary tract obstruction
Gastro
Cystitis
Injuries to limbs
Lower urinary tract infection
Eye infections
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