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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.

  • Pet Insurance icon

    52,000 Kiwi pet parents have chosen Southern Cross Pet Insurance for their pets

  • Culture icon

    Award-winning pet insurance – Highly commended in 2025 Reader’s Digest Trusted Brand awards

  • Vet bills icon

    Vets can claim on your behalf with Pet Easy-Claim – less upfront cost for pet healthcare

    Find out more

  • Vet services icon

    6 weeks free insurance for puppies and kittens from 6 - 26 weeks

    Find out more

  • Vet icon

    Trusted by vets – and proud supporter of New Zealand Veterinary Association

What our customers say about us

The no hassle company!

“Always a supporter of Southern Cross. The no hassle company!”

Alfie the dog’s owner
Auckland – July 2025

Helpful and knowledgeable

“Great information, great helpful and knowledgeable service. Great cover and easy to understand and make claims.”

Maggie May the dog’s owner
Canterbury – July 2025

Pays back claims quickly

“Always responsive, pays back claims quickly, and friendly customer service!”

Ginny the cat’s owner
Wellington – July 2025
Dog tennis ball

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)
Start a PetCare quote

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)
Start an AcciPet quote

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 here
Pet Easy-Claim

We 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
Dog

Still have questions? Check these FAQ’s

Cat

Protect your pet with us

Give your fur-baby the cover they deserve with trusted pet insurance from Southern Cross.

Get a quote

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