PREMIUM
Updated 15 December 2022
Is it worth buying pet insurance?
Cover for your fur baby can come with a few fishhooks.
Insurers want to make you the “best pet parent” by providing the “care your pet deserves”.
However, this cover doesn’t come cheap and our survey found these policies can have a few claws you need to be aware of before taking the plunge.
We compared the cost of nine comprehensive pet insurance policies for:
a six-month-old moggy, and
a four-month-old Labrador retriever (the most popular breed in New Zealand).
We based our comparison on the maximum cover available under each policy.
What you pay
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What’s covered
Routine care
Bells and whistles
Renewing the policy
Value for money?
Stand-down periods
Top claims
In 2021, PD Insurance listed the top 10 claims for cats and dogs resulted from:
infection (ear, urinary tract, respiratory tract or from a cut, or in the nail bed);
allergy or allergic reaction;
injury to limb, soft tissue, eye or muscle;
swallowing a foreign object or poison, medication or chocolate;
diarrhoea or gastroenteritis;
bite wound;
conjunctivitis;
laceration;
abscess;
parvovirus.
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