Affordable pet insurance for cats and dogs
Protect your dog, puppy, cat or kitten with one of New Zealand’s most trusted pet insurers.
Choose from affordable options that fit your needs and budget.
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52,000 Kiwi pet parents have chosen Southern Cross Pet Insurance for their pets
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Award-winning pet insurance – Highly commended in 2025 Reader’s Digest Trusted Brand awards
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Vets can claim on your behalf with Pet Easy-Claim – less upfront cost for pet healthcare
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6 weeks free insurance for puppies and kittens from 6 - 26 weeks
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Trusted by vets – and proud supporter of New Zealand Veterinary Association
What our customers say about us

Why choose Southern Cross Pet Insurance?
We make pet insurance easy and affordable.
- Annual benefit limit options up to $15,000
- Affordable cover options for your kitten, puppy, cat or dog
- Coverage for accidental injuries, illnesses and routine care
- Discounts to reduce your premiums, and offers to add value to your cover
- Better ways to claim – your vet can claim on your behalf with Pet Easy-Claim, or you can claim online for reimbursement within an average of three working days*
- Team of NZ-based pet lovers
*Claims paid between 1 January 2024 – 31 December 2024
Choose the cover that's right for you
Picking a plan is easy, with two types of plan and plenty of options.
Accidental injury and illness cover
PetCare covers the costs of treatment of unexpected illness and accidental injuries.
- Illness
- Accidental injury
- Inherited conditions
- 4 annual benefit limits up to $15,000
- Consult care extra (optional extra)
- Day-to-day care extra (optional extra)
- Dental care extra (optional extra)
Accidental injury only cover
AcciPet covers the costs of treatment of accidental injuries only.
- Accidental injury
- Illness
- Inherited conditions
- Annual benefit limit $5,000
- Consult care extra (optional extra)
- Day-to-day care extra (optional extra)
- Dental care extra (optional extra)
This is a quick overview of PetCare and AcciPet, to help you understand the differences between them. For more information visit Compare our Plans or see the applicable policy document.
See more plan detail and compare hereWe pay your vet direct - with Pet Easy-Claim
When your cat or dog is sick or injured, you shouldn’t have to choose between quality care and financial stress. With Pet Easy-Claim, our partner vet practices can claim on your behalf, so we pay them directly and you only cover the remaining balance.
That means less upfront cost and more time focused on what really matters - your pet’s recovery.
Find out more about Pet Easy-Claim
Still have questions? Check these FAQ’s
This depends on your pet's age, breed and the level of cover you choose. Our accidental injury only plan, AcciPet, costs from as little as $12 per month for a cat, and $17 per month for a dog*. Meanwhile, our most popular plan, PetCare, costs approximately $32 per month for a cat, and $47 for a dog - this covers illness and accidental injury.**
Get a quote to see how much a plan will cost for your pet.
*For AcciPet with a $250 annual excess, a 20% co-payment and including consult care extra
**For PetCare with an annual benefit limit of $5,000, a $250 annual excess, a 20% co-payment and including consult care extra.
The best pet insurance for you is the one that provides the right level of cover for your pet’s needs and fits your budget.
We offer flexible options, from accidental injury-only plans to more comprehensive plans that also cover illness, with options to add day-to-day, dental and vet consultation cover. Our fast claims process, trusted reputation and responsive support make us a top choice for over 52,000 Kiwi pet parents.
When comparing pet insurance options, consider:
- What treatment is your pet likely to need? How much is that likely to cost you?
- Does the plan include cover for accidental injury, illness, day-to-day, dental and/or vet consultations? What are the exclusions?
- Annual benefit limit: How much can you claim each year? Are there sub-limits for some conditions?
- Excess option: Having an excess helps you manage your premium – can you choose one that suits your budget? Check whether it’s a one-off annual excess (ours is!) or per claim or condition.
- Co-payment option: Having a co-payment also helps you manage your premium. Can you choose the co-payment percentage that works for you?
- Claim process: Is it easy, fast and online?
At Southern Cross Pet Insurance, it’s easy to compare pet insurance plans so you can choose the one that’s right for you and your pet.
Our plans offer different levels of cover to suit every pet and budget:
- Accidental injury and illness (PetCare): This is our most comprehensive cover and includes treatment for conditions like skin allergies, cancer and chronic diseases, like arthritis. It also covers unexpected injuries like broken bones or wounds.
- Accidental injury cover (AcciPet): This covers unexpected injuries like broken bones or wounds.
- You can also add optional extra cover for vet consultations, day-to-day cover and dental treatment.
Many pet owners don’t realise how quickly vet bills can add up, with treatment for major accidental injury and illness often costing thousands of dollars.
There is never a good time for your pet to get sick or suffer an accidental injury. Having pet insurance means you don’t find yourself in an impossible situation – having to weigh up how much you can afford to spend on medical treatment for a much-loved pet.
Pet insurance provides peace of mind and helps you budget for unexpected vet costs.
Find out more about the costs of cat healthcare | Find out more about the costs of dog healthcare
Pre-existing conditions are any illnesses or injuries (or signs and symptoms) that your pet has had in the past, or that they might be experiencing right now.
Like most pet insurers, we do not cover pre-existing conditions. Want to check your pet’s eligibility? Contact our team for guidance.
It’s very easy to make a claim. Pet Easy-Claim providers can claim on your behalf, so we pay them directly and you only cover the remaining balance. Pet Easy-Claim is available between 9:30am–4:30pm on business days (excluding public holidays in Auckland) with claims assessed within 30 minutes during this time. Your vet practice will ask you to complete an authorisation form so that they can claim on your behalf, and we assess the claim and let both you and your vet practice know what we’ll cover under your policy, and what you need to pay them.
Find out more about Pet Easy Claim
You can also claim yourself online – we pay these claims within an average of 3 working days.
Southern Cross Pet Insurance stands out because:
- We’re part of the Southern Cross family – we’re a brand you can trust
- We offer flexible plans to suit all budgets
- Our claims process is fast and hassle-free – over the last 12 months we’ve reimbursed claims within an average of 3 working days*
- We’re highly rated by pet parents just like you!
*Claims paid between 1 January 2024 – 31 December 2024

Protect your pet with us
Give your fur-baby the cover they deserve with trusted pet insurance from Southern Cross.
Get a quote