Congrats on your new bundle of pet perfection!

Because you’ve got big adventures ahead and the chance of a few scrapes along the way, now is the perfect time to sign up to 6 weeks FreeCover for your puppy or kitten.

It’s a free, no obligation way to help protect you and your pet from the costs of unexpected or emergency trips to the vet (up to $2,000*) for these first few weeks while you get your head around things.

  • 6 weeks free insurance with cover up to $2,000*.
  • Cover for if your puppy or kitten has an accident and injures themselves
  • Cover for if your pet gets  sick after 5 days
  • Use at any vet across New Zealand
Get FreeCover
*Subject to terms, conditions and eligibility criteria, including $100 excess per health condition
Southern Cross Pet Insurance is 100% owned by
quote Elsa’s accident showed us that anything can happen at any time. quote
Renee and Elsa the Boxer pup

Be in to win

when you sign up for 6 weeks FreeCover* for your puppy or kitten

Find out more

*Subject to approval. Ts, Cs and limitations apply. Including a $100 excess per health condition.

If your new furry friend got sick or hurt, you’d want to:

Focus on getting them the treatment they need ... not the cost of care

6 weeks FreeCover protects you from unexpected (and expensive) vet bills while you focus on your new puppy or kitten.


With our plain language policy document it’s easy-to-understand pet  insurance

6 weeks FreeCover reimburses you up to a total of $2,000 in vet bills for 100s of common (and not-so-common) conditions and scenarios, like:

Accidental injuries, caused by things like:

  • Running into a washing line
  • Falling down the stairs
  • Getting a paw stuck in a fence
  • Stepping on a broken glass while out walking
  • Fighting with other animals
  • Eating rat poison or human medication
  • Running into a glass door
  • Chewing an electrical cord
  • Swallowing a small object
  • Jumping on a hot barbecue
  • And many more injuries...

Illnesses your pet develops, after 5 days like:

  • Ear infections
  • Eye infections
  • Vomiting
  • Skin conditions
  • Urinary tract infections
  • Tummy upsets
  • Respiratory conditions
  • Ringworm
  • Asthma
  • Giardia
  • And many more illnesses...

And it covers the services you’ll need to diagnose and treat your furry friend, like:

Prescription medications

Meds prescribed for your pet’s injury or illness.

Laboratory tests

Blood tests, urine analysis, and labworks.


X-rays, MRIs, CT scans, and ultrasounds.


Surgical procedures including disposable instruments, medications and surgical dressings.


Monitoring and treatment for medically necessary overnight stays.

Nursing care

Veterinary clinic nursing fees.


Rehabilitation to enable recovery from illness & injury (including hydrotherapy).

See the FreeCover Policy Document for the T&Cs and exclusions that apply.

Mr Tonks
quote Southern Cross Pet Insurance expedited a costly surgery without any dramas. Their care and response was so valued at a stressful time when my little man needed so much help. quote
Kathy and Mr Tonks the short-haired kitten

FreeCover is written in plain language


Insurance policies can be confusing - leaving you wondering what you’re covered for, and what you’re  not.

That’s why FreeCover is written in plain language. So you can quickly see what your pet is covered for - without needing a legal dictionary.

We're proud all our policy documents have been awarded the WriteMark meaning they’ve been recognised for meeting a high standard of plain language.

It’s easy-to-use pet insurance

FreeCover can be used at vets across New Zealand, and it’s easy to make a claim  online

Use FreeCover anywhere in New Zealand - at your regular vet, specialist vet, and urgent or emergency vet clinic

Vet icon
Your Local Vet
Specialist icon
Specialist Vet
Urgent icon
Urgent Care
Emergency icon
Emergency Care

Claim from your couch. Your car. Or wherever you are.

With easy online claiming, getting reimbursed for your pet’s treatment costs is fast and simple.

Provide your pet’s details
Upload your invoices
Submit your claim
quote Amazing service! From queries to explanations, I was pleasantly surprised how easy the entire process was! quote
Nadene and Lilly the Yorkshire Terrier pup

The award-winning way to get your cover or claim questions answered

readers digest 2024 winner

At the vet and want to chat about your cover? Or wondering about a claim?

Our Hamilton-based customer service team have won the Reader’s Digest Gold Quality Service Award every year since 2017 (except for 2022 and 2023 when we got Silver) and are here to help Monday to Friday.

It’s free pet insurance

FreeCover provides 6 weeks cover up to $2,000 for eligible vet treatment  costs

If your new puppy or kitten gets accidentally injured or develops an illness, you’ll be reimbursed eligible vet treatment costs up to $2000 - less a $100 per health condition excess for each separate illness or injury.

Want more than FreeCover?

PetCare provides wide-ranging longer term cover for when your pet gets hurt, sick or develops an ongoing condition. AcciPet covers them for accidents only.

Compare PetCare and AcciPet plans

Southern Cross Pet Insurance is the pet insurer trusted by the New Zealand Veterinary Association.


It's so important for pet owners to plan for unexpected vet costs.

We generally don't plan for acute trauma or unexpected illness in our pets and situations may be challenging to manage on a tight budget.

That's why I feel relieved when a pet owner says “I've got pet insurance”.

Sally Cory

Emergency & Critical Care Veterinarian
Head of Veterinary Services (Companion Animals) NZ Veterinary Association


Protect yourself and put your new furry friend first with FreeCover

Go from wondering how you’d pay for large, unexpected vet bills to knowing you’ve got cover if your puppy or kitten gets sick or hurt.

  • Cover for accidental injuries
  • Cover for illnesses
  • Use any vet, specialist, urgent care or emergency clinic
  • Up to a total of $2,000 cover for 6 weeks
  • Easy online claiming
  • Fast reimbursement on eligible treatment costs
  • Award-winning customer service
Get FreeCover

Frequently asked questions

What stand down periods apply to FreeCover?
A 5-day stand down period applies from the time your FreeCover policy starts for illnesses your puppy or kitten develops. However, no stand down period applies to accidental injuries.
What’s not covered by FreeCover?
FreeCover excludes congenital and pre-existing conditions, routine checks, vaccinations and viral conditions, neutering, cruciate ligaments and patella luxation. You can see all FreeCover’s exclusions in this policy document
Do I have to buy a policy if I get FreeCover?
No - when you choose FreeCover, you’re under no obligation to take out paid pet insurance with Southern Cross Pet Insurance. But there are two great reasons to choose a PetCare or AcciPet policy once your 6 weeks FreeCover ends. First - you’ll get continued cover for any conditions we've covered during your FreeCover period (as long as you meet the T&Cs of the new policy). And second - stand down periods will be waived on your new policy (excluding dental care extra which has a 90-day stand down period).
How do I get FreeCover?
Simply click any of the ‘Get FreeCover’ buttons above. You’ll then be asked for some details about your pet and yourself, and asked to sign a declaration.
Is there any cost to getting FreeCover?
You won’t pay any premium for FreeCover. However, there is a $100 excess per condition or event that will be deducted when a claim for eligible vet treatment costs is reimbursed.

Get cover you can be confident about

With FreeCover you’ll be reimbursed for eligible vet treatment up to a total of $2,000 should your puppy or kitten gets sick or accidentally injured.

Get FreeCover

Need a hand?