Updated 2026-10-24 · Prices in NZD · Recall feed checked daily
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Which breeds cost the most at the vet?

Risk scores from breed health surveys and insurer claims data, priced in NZD. Pick a breed for its lifetime cost, likely conditions and insurance verdict.

Small pet breeds
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Highest annual premiums

Modelled first-year premium (estimate, not a quote) for a young rabbit, NZD.

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Risk score, explained

1.00 is an average mixed-breed small pet. A 1.50 breed is expected to generate about 50% more vet spending over its life, mostly from a handful of known conditions. Premiums follow the same curve. Buy insurance before the first symptom; pre-existing conditions are never covered.

All breeds

22 breeds