🇳🇿 New Zealand · NZD

Is pet insurance worth it for your cat?

Ninety seconds. Your breed, your city, your emergency fund. We show the worst bill you are exposed to and whether premiums beat paying cash.

Breed-aware, city-priced

Why breed matters

Two cats, same city, very different risk

Breed changes expected vet spend far more than most owners expect, because a handful of known conditions do most of the damage. Our breed pages show the conditions and typical bills behind each risk score. Browse breeds →

Next step

Get a real quote

Southern Cross Pet Insurance

Broad accident and illness cover

Accident and illness plans with up to 80% back on eligible vet bills; New Zealand's best-known pet insurer.

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PetCover NZ

Rabbits and less common pets

Cover for dogs, cats, rabbits and some exotics, with lifetime and accident-only tiers.

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Cove Pet Insurance

Lower premiums with a higher excess

Online-first cover with flexible excess levels and fast claims.

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Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.

FAQ

How this works

How does the calculator decide?

It compares the worst single bill your breed is likely to face at your city's prices against your emergency fund, then weighs expected payouts against lifetime premiums.

Where do the premiums come from?

Published starter premiums for each breed size, adjusted by city price index and age. Real quotes vary; treat this as a range.

Should I buy before symptoms appear?

Yes. Every insurer excludes pre-existing conditions, so the value of a policy is highest the day you bring the cat home.