Affordable pet insurance for cats and dogs

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 approximately $11 per month for a cat, and $16 per month for a dog*. Meanwhile, our most popular plan, PetCare, costs approximately $30 per month for a cat, and $46 for a dog - this covers illness and accidental injury.**

Get a quote to see how much a plan will cost for your pet.

*Example monthly premium as at 1 January 2026 for AcciPet with a $250 annual excess, a 20% co-payment and including consult care extra for a cat or dog aged less than a year old.

**Example monthly premium as at 1 January 2026 for PetCare SilverRibbon with an annual benefit limit of $5,000, a $250 annual excess, a 20% co-payment and including consult care extra for a cat or dog aged less than a year old.

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 51,000 Kiwi pet parents.

Compare plans

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.

View our plans

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.

Find out more about what we cover

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.

Learn more about pre-existing conditions

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.

Find out more about claiming online

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 2025 – 31 December 2025

View our plans