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Canstar compares pet insurance policies and discovers how Pet-n-Sur pet insurance stacks up against the competition.

What does Pet-n-Sur offer?

Pet-n-Sur offers cover for pets, including: cats, dogs, rabbits and horses. The options of cover vary between each animal.

Cat and dog plans range from a comprehensive Platinum plan, to a basic Rhodium plan, as well as surgical and dental options.

Rabbit policies are more limited, while equine cover can also include saddlery and tack, horse floats and theft.

What's covered by Pet-n-Sur's policies for dogs and cats?

Pet-n-Sur's cover levels for cats and dogs includes:

  • Titanium: Provides the highest annual limit but less comprehensive cover. Up to $18,000 cover for surgical and medical bills, specialists, hereditary conditions, and alternative therapy. The policy holder pays 20% of each claim.
  • Platinum: Up to $9000 cover, including surgical and medical bills, vaccinations, microchipping, desexing, and to cover the cost of replacement pets. It includes specialists, hereditary conditions, alternative therapy, boarding fees and funeral costs. The policy holder pays 20% of each claim.
  • Rhodium: Up to $6000 cover, includes surgical and medical bills, specialists, hereditary conditions and alternative therapy. The policy holder pays $300 of each claim.
  • Silver: Up to $4000 cover, includes everything in the Platinum/Gold plans. The policy holder pays 30% of each claim.

Co-payment options

  • Co-payment up to 50% depending on plan and condition
  • $0 excess on general cat and dog policies

What's covered by Pet-n-Sur's policies for rabbits?

Pet-n-Sur offers a gold policy for rabbits. Depending on breed and age, rabbits may be eligible for different policy options.

What's covered by Pet-n-Sur's policies for horses?

Horse cover with Pet-n-Sur can be tailored depending on your horse's breed, age and lifestyle. This includes transportation, saddlery and tack.

What's not covered by Pet-n-Sur?

Similar to other pet insurers, Pet-n-Sur does not cover animals for pre-existing conditions, for damage to property, people or other animals caused by the pet, or for treatment of conditions caused by negligent owner behaviour.

What makes Pet-n-Sur different?

While offering a huge range of plans and options and cover for things such as funeral cover, neutering, vaccinations and equine cover, including theft and mortality, Pet-n-Sur also supports animal-related charities.

About Pet-n-Sur

Describing itself as "New Zealand's largest, specialist 100% Kiwi owned and managed pet insurance provider", Pet-n-Sur underwrites its own policies to create a smoother claims process for a variety of animal-related insurance claims.

NB: This is only a summary of key benefits. For full details, exclusions and limitations, please refer to the Pet-n-Sur Pet Insurance website.

Bruce Pitchers is Canstar's NZ Editor. An experienced finance reporter, he has three decades’ experience as a journalist and has worked for major media companies in Australia, the UK and NZ, including ACP, Are Media, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. As a freelancer, he has worked for The Australian Financial Review, the NZ Financial Markets Authority and major banks and investment companies on both sides of the Tasman.
In his role at Canstar, he has been a regular commentator in the NZ media, including on the DrivenStuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines including Woman’s Day and New Idea. He is also the co-author of the murder-mystery puzzle book 5 Minute Murder.


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