What pet insurance policies does Southern Cross Pet Insurance offer?
Southern Cross Pet Insurance offers two options for cats and dogs: PetCare and AcciPet.
What's covered by the PetCare plan?
Comprehensive insurance covering sickness and accidental injury up to $15,000 per year, and $25 towards a vaccination or check-up.
- Covers: accidental injury, illness, inherited conditions, vaccinations and check-ups
- Four annual limit levels: $2500, $5000, $10,000, $15,000
- Optional dental-care and everyday treatment cover add-ons
What's covered by the AcciPet plan?
- Cover only for accidental injury
- Single annual limit level: $5000
Co-payment & excess options
- Range of excess options: $100, $250 or $500
- Range of co-payment options: 10%, 20% or 30%
What discounts does Southern Cross Pet Insurance offer?
If you're a Southern Cross member, you'll receive 2.5% off your base pet insurance premium. You can also earn a 2.5% discount for paying by direct debit, and a 5% discount for each additional pet insured.
Southern Cross Pet Insurance also offers six weeks free puppy and kitten cover T&Cs apply.
About Southern Cross Pet Insurance
Founded in 1982, Southern Cross Pet Insurance is now one of the country's most popular pet insurance companies, providing Kiwis with a range of cover and benefit limits. As supporters of Pet Refuge, Southern Cross Pet Insurance helps care for the wellbeing of New Zealand’s most vulnerable animals.
NB: This is only a summary of key benefits. For full details, exclusions and limitations, please refer to the Southern Cross Pet Insurance website.

