Southern Cross Pet Insurance

Southern Cross Pet Insurance Logo

Pets offer an endless amount of love and companionship. But, just like human health, the wellbeing of your pets can become complicated and expensive when things go wrong. To ensure you and your furry friends are better prepared for the unexpected, Canstar compares pet insurance policies and discovers how Southern Cross Pet Insurance stacks up against the competition.

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

What discounts does Southern Cross Pet Insurance offer?

Both plans offer a 20% co-payment option, to reduce premiums, and 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.


To check out how Southern Cross Pet Insurance 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 24, 2023