Looking to switch pet insurers? Give our team a call or contact us today.

Check out our latest pet care tips for your fur‑baby.

We’re proud partners of Pet Refuge

Have feedback? We'd love to hear what you think about Southern Cross Pet Insurance.

Sign up this summer and be in to WIN 12 months’ free pet insurance, up to the value of $2,500*

Sign up now

For full information on this offer, including terms, conditions and exclusions, click here. Offer ends 2 March 2025.

Dog

Sign up to
FreeCover

Is your puppy or kitten between 6 & 26 weeks? Sign them up to our 6 weeks free insurance to get them covered*.

Sign up now

*Subject to the policy terms conditions and exclusions, including $100 excess per health condition.

Is your pet controlling your mind?

Find out more

Protect the Pet Life

Protect the Pet Life by making sure your fur-baby is safe by knowing which human foods are Paws Off!

Find out more

The Pet Life

It’s the life you share with your pet, and their life they share with you. We believe that’s a life worth protecting.

Which is why we are dedicated to helping pets live longer healthier and happier every day.

We’re proudly born and bred in New Zealand, and are equally proud to partner with the NZ Veterinary Association and Pet Refuge – just two ways we’re there to support the Pet Life community.

With us, you’ll get amazing tips, tricks and advice to keep your Pet Life protected.

We look after the whole family

Simple plans for all budgets

Coverage for inherited conditions

Discounts for multiple pets

Add extra cover like dental

Get a quote and apply!

Video Image

Now you see us.

The VIS collection is where pet haute couture meets road safety. Southern Cross has teamed up with fashion designer Matthew Adams Dolan to create a one-off series of pet clothing that throws the spotlight on pet road safety.

Find out more

How much does a trip to the vet cost?

Pets don’t have purses or pockets, so a surprise trip to the vet will be coming out of yours. Here’s what it could cost, based on claims we’ve paid:

Zoom developed a skin problem

Consultations, medication, testing and immunotherapy. So far paid:

$6,000

Archie ate a
piece of string

Surgery, consultations, medication and diagnostic imaging. So far paid:

$4,000

Max was hit by
a ute

Consultations, MRI, X-ray and medication. So far paid:

$2,500

Jimmy developed bladder cancer

Surgery, consultations, medication, tests and imaging. So far paid:

$2,000

Choose the right plan for you

Picking a plan is easy with us, with two types of plans and plenty of options.

PetCare With this plan, we cover: Accidental injury Illness Inherited conditions Choose from 4 levels of cover Consult care extra (optional extra)  Day-to-day care (optional extra) Dental care (optional extra) 10%, 20% and 30% co-payment options $100, $250 and $500 annual excess options

AcciPet With this plan, we cover: Accidental injury Up to $5,000 in total per year Consult care extra (optional extra)  10%, 20% and 30% co-payment options $100, $250 and $500 annual excess options There is no cover for illnesses, day-to-day care, or dental care.

Compare our plans

This chart has been designed to give you a quick overview of our pet insurance plans. For full policy terms (including definitions, limitations and exclusions) please see the policy documents

We're there for our fur community

Looking after the health of our pets takes many hands and hearts. That’s why we’ve partnered closely with the New Zealand Veterinary Association and Pet Refuge. Together we’re all working hard to help more Kiwi pets live happier, healthier lives.

It’s good to know when you choose Southern Cross Pet Insurance, you’re supporting their amazing work and the wellbeing of all animals in New Zealand.

Daryl's story We all think about click-clicking in when we drive, but Daryl’s story is a good reminder about securing pets in cars - and why pet insurance matters. Read the story

Lucy’s story The fish might have got away, but Lucy, the Border Collie, wasn’t so lucky. She swallowed the bait hook, line and sinker – literally. Read the story

Finnegan's story Some Christmas surprises are wonderful and others not so much - like when Finnegan, the Wheaten Terrier, gobbled up Granny’s Christmas cake. Read the story

Lolly's story There’s something about Lolly and Karekare beach. She ruptured her first cruciate there. And her second. Then she ate a dead fish. Yep, she’s accident prone. Read the story

Great value everyday insurance

Accident-only plans starting from less than $1 per day*

AcciPet

Claim up to

$5,000 $2,500 $5,000 $10,000 $15,000

per year

	Monthly	Daily
Cats	$10.18	$0.33
Dogs	$16.13	$0.53

*Includes a direct debit and Southern Cross Health Society member discount, for a one-year-old cat or a one-year-old fox terrier with 20% co-payment.

Compare plans Get a quote now

Great value everyday insurance

PetCare

Claim up to

$2,500 $2,500 $5,000 $10,000 $15,000

per year

	Monthly	Daily
Cats	$17.08 $24.65 $34.40 $37.49	$0.56 $0.82 $1.14 $1.24
Dogs	$28.96 $40.25 $53.25 $55.55	$0.96 $1.34 $1.77 $1.85

*Includes a direct debit and Southern Cross Health Society member discount, for a one-year-old cat or a one-year-old fox terrier with 20% co-payment.

Compare plans Get a quote now

Discounts for the little guys!

6 weeks FREE puppy and kitten health cover worth up to $2,000

If your pet is between 6 and 26 weeks of age, you can have free pet health cover for 6 weeks!

6 weeks of FreeCover
Claim up to $2,000 worth of vet tests and treatment

It’s easy to apply for your 6 weeks of FreeCover. Subject to our approval, your puppy or kitten will be covered for injury from the time we receive your application. There’s a 5-day stand down period for illness. Read the terms and conditions for more detail.

Apply for FreeCover now!

Need a hand?

FIND QUICK ANSWERS Got a question? We have lots of quick answers here. SEND US A MESSAGE Get in touch with the team and we’ll be happy to help.

CALL 0800 800 836 Call us Monday to Friday 9.30am to 5pm.