*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.

Southern Cross Pet Insurance is 100% owned by
quote Having insurance meant we didn’t have to worry about money. We just worried about Mia. quote
Tamara and Mia the Whippet

Sign up and be in to win a year's supply of ROYAL CANIN® pet food.*

Sign up now

Join over 46,000 (and counting) pet lovers who’ve chosen PetCare

Get reimbursed for vet treatment costs when your pet gets sick or accidentally hurt.
Get a quote now
When your pet gets sick or hurt, you want to:

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:

  • 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 electrical cords
  • Swallowing small objects
  • Rupturing a cruciate ligament
  • Jumping onto a hot barbecue
  • And many more injuries...

Illnesses your pet develops, like:

  • Hip dysplasia
  • Heart disease
  • Ear and eye infections
  • Skin conditions
  • Diabetes
  • Cancer
  • Patella luxation
  • Tummy upsets
  • Elbow dysplasia
  • Respiratory conditions
  • Asthma
  • And many more illnesses...

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.


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).

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.

quote 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. quote
Tracey and Molly the Pomeranian cross

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.

It’s easy-to-use pet insurance

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.

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 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! quote
Gerry and Bluey the short-haired cat

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, 9.30am to 5pm.

More pet lovers choose Southern Cross Pet Insurance over any other pet insurer in New Zealand

Join over 46,000 pet owners who've chosen to protect their pet with PetCare.
Get a quote now
It’s affordable pet insurance

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...

vet icon
Consult care extra

Claim 80% on vet consultation fees up to $1,000 per year.

puppy heart icon
Day-to-day care extra

Claim up to $75 for day-to-day care, like vaccinations (a maximum total of $300 per policy period applies).

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Dental care extra

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.

quote 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. quote
Ian and Chewie the Border Collie

Sign up and be in to win a year's supply of ROYAL CANIN® pet food.*

Sign up now

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
Get a quote now

*Readers Digest Quality Service Award Gold winner 2024

Frequently asked questions

Do you only cover cats and dogs?
Do you insure infant and older pets?
Yes, both as long as they are not working dogs. For infant pets aged between 6 and 26 weeks, we also have 6 weeks FreeCover. You can start your pet on PetCare from 8 weeks of age, but they will need to be signed up before they turn 7 years of age. For AcciPet your pet just needs to be over 8 weeks old, but there is no upper age limit for sign up. Once they’re insured with us, we’ll continue to provide cover until the policy is cancelled.
Does PetCare cover vaccinations and desexing?
Not on our base plans. You can however add day-to-day care to your PetCare policy as extra cover. This allows you to claim up to $75 per treatment (up to a total of $300 each year) for qualifying treatments, such as vaccinations and desexing.

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

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