*This price is based on a PetCare BronzeRibbon plan with a $2,500 annual benefit limit, 30% co-payment, $500 excess and 2.5% direct debit discount with consult care extra. Premiums depend on pet’s species, age, breed and plan.
Having insurance meant we didn’t have to worry about money. We just worried about Mia.
Join over 46,000 (and counting) pet lovers who’ve chosen PetCare
Focus on them... not the cost of care
PetCare is the easy-to-understand, easy-to-use and affordable pet insurance plan that protects you from unexpected vet bills when your cat or dog develops an illness or gets accidentally injured.
It’s easy-to-understand pet insurance
PetCare reimburses vet treatment costs for 100’s of common (and not so common) conditions and scenarios, such as:
Accidental injuries, caused by things like:
Illnesses your pet develops, like:
And cover for the services 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.
Imaging
X-rays, MRIs, CT scans, and ultrasounds.
Surgery
Surgical procedures including disposable instruments, medications and surgical dressings.
Hospitalisation
Monitoring and treatment for medically necessary overnight stays.
Nursing care
Veterinary clinic nursing fees.
Physiotherapy
Rehabilitation to enable recovery from illness & injury (including Hydrotherapy).
Vitamin and mineral supplements
Vet-prescribed specified supplements for the treatment of your pet’s injury or illness.
See the PetCare Policy Document for the T&Cs and exclusions that apply.
Dealing with Southern Cross was really easy. It was a phone call from the car to check our cover before the operation. Without insurance, we couldn’t have afforded Molly’s treatment.
PetCare is written in plain language
Policy documents can be confusing - leaving you wondering what you’re covered for, and what you’re not.
So PetCare has been written in plain language. And we’re the only pet insurer in New Zealand that’s earned the WriteMark seal of approval for being clear, open and customer-focused.
That’s why you’ll find it easy to understand your cover - both now and when you need to make a claim.
PetCare can be used across New Zealand, and it’s easy to make a claim online
You can use PetCare anywhere in New Zealand - at your regular vet, specialist vet, and urgent or emergency care clinic.
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.
Once we’d lodged our claim they made the payment really quickly. The insurance was well worth it - I’d definitely recommend that other cat owners get it!
The award winning way to get your cover or claim questions answered
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, 9.30am to 5pm.
More pet lovers choose Southern Cross Pet Insurance over any other pet insurer in New Zealand
PetCare can be customised so you can adjust your cover to suit your budget and needs
Choose the cover that suits you. Select your annual benefit limit, co-payment, excess and extra cover.
Choose how much cover you’d like
- $2,500 BronzeRibbon
- $5,000 SilverRibbon
- $10,000 GoldRibbon
- $15,000 BlueRibbon
Your annual benefit limit is the maximum we’ll reimburse you for eligible vet costs you incur.*
*subject to the cruciate ligament sub-limit
Choose your co‑payment amount
- 10%
- 20%
- 30%
Decide if you want 90%, 80% or 70% of costs reimbursed on eligible vet bills.
Choose your annual excess
- $100
- $250
- $500
No matter which option you choose, you'll only have to pay your excess once per policy period.
And add to your cover with one (or all) of these extras...
Claim 80% on vet consultation fees up to $1,000 per year.
Claim up to $75 for day-to-day care, like vaccinations (a maximum total of $300 per policy period applies).
Claim up to 80% of vet bills for dental treatment (a maximum total of $300 per policy period applies).
No excess applies to our extra cover options.
Chewie had to be insured for our peace of mind, and to make sure he could get care if he ever needed it... and as it happens, he did.
And PetCare also provides
Cover for ongoing conditions
PetCare provides cover for ongoing conditions (like skin conditions or arthritis) up to the annual benefit limit each year.
Excess applied annually
Unlike other insurers, PetCare has just one excess which you pay once a policy period (not one excess deduction per condition or event).
Money back guarantee
If you don’t love your PetCare plan, just let us know within 14 days, and we’ll cancel your policy and refund your money.
Southern Cross Pet Insurance is the only pet insurer trusted by the New Zealand Veterinary Association.
It's so important for pet owners to make provision for unforeseen veterinary 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 pet first with PetCare
Get cover you can feel confident about... and go from wondering how you’ll pay for an expensive, unexpected vet bill when your pet gets sick, or accidentally hurt.
- Our most comprehensive cover for when your pet develops an illness or has an accidental injury
- Plain language policy document
- Use at any vet, specialist vet, urgent care or emergency clinic
- Easy online claiming for fast reimbursement
- Award-winning customer service*
- Choose from 4 annual benefit limits
- Get up to 90% reimbursed on vet bills
- Add extra cover to suit your needs
*Readers Digest Quality Service Award Gold winner 2024
Frequently asked questions
Join over 46,000 (and counting) pet lovers who’ve chosen PetCare
Focus on your pet, not the cost of care. With reimbursement for vet treatment costs when they get sick, or accidentally injured.
Get a quote now