Pet-n-Sur Pet Insurance

Pet-n-pur pet insurance logo

Our beloved pets bring us an endless amount of love and companionship. But, just like human health, the wellbeing of your pet can quickly become expensive and complicated when things go wrong. To ensure you’re better prepared for the unexpected, Canstar delves into the world of pet insurance to see how Pet-n-Sur stacks up against other providers.

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 the comprehensive Platinum plan, to the basic Rhodium plan, as well as surgical 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?

Pet-n-Sur offers six levels of cover for dogs depending on the breed and age. The policies are outlined below:

  • Platinum: Up to $9000 cover, including surgical and medical bills, vaccinations, microchipping, desexing, and lost or replacement pets. It includes specialists, hereditary conditions, alternative therapy, boarding fees and funeral costs. The policy-holder pays 20% of each claim.
  • Gold: Up to $6000 cover, includes everything in the Platinum plan. The policy-holder pays 25% of each claim.
  • Silver: Up to $4000 cover, includes everything in the Platinum/Gold plans. The policy-holder pays 30% of each claim.
  • Rhodium: Up to $6000 cover, includes surgical and medical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays $150 of each claim.
  • Surgery Plus: Up to $3000 cover, includes surgical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays 10% of each claim.
  • Surgery: Up to $1500 cover, includes surgical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays 10% of each claim.

What’s covered by Pet-n-Sur’s policies for cats?

Pet-n-Sur offers six levels of cover for cats depending on the breed and age. The policies are outlined below:

  • Platinum: Up to $9000 cover, including surgical and medical bills, vaccinations, microchipping, desexing, and lost or replacement pets. It includes specialists, hereditary conditions, alternative therapy, boarding fees and funeral costs. The policy-holder pays 20% of each claim.
  • Gold: Up to $6000 cover, includes everything in the Platinum plan. The policy-holder pays 25% of each claim.
  • Silver: Up to $4000 cover, includes everything in the Platinum/Gold plans. The policy-holder pays 30% of each claim.
  • Rhodium: Up to $6000 cover, includes surgical and medical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays $150 of each claim.
  • Surgery Plus: Up to $3000 cover, includes surgical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays 10% of each claim.
  • Surgery: Up to $1500 cover, includes surgical bills, specialists, hereditary conditions and alternative therapy. The policy-holder pays 10% of each claim.

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

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

The standard gold policy covers your rabbit for claims up to $1500 including bills, specialist visits, hereditary conditions and alternative therapy. Policy-holders pay 20% of each claim. 

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 options 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. 


To check out how Pet-n-Sur compares against other insurers in Canstar’s latest customer satisfaction ratings, click on the button below.

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Written by: Bruce Pitchers | Last updated: August 26, 2020

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