Ready to let us love your pets like you do?
Enjoy a month's premium on us*
Insure your cat or dog with promo code 1MONTH.
Multi-pet discount
Ts&Cs apply.
Injury and illness
Specialist treatments
Optional dental care
Cover for cats or dogs
Cover your cat from as little as $3 per week#
Cover your dog from as little as $4 per week#
Compare pet cover
This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
Comprehensive
Essentials
Accident Only
Policy aggregate (the maximum amount we will pay you for all claims combined under Sections 1 and 2 during your period of cover).
Comprehensive
$15,000
Essentials
$7,000
Accident Only
$5,000
If your pet suffers an accidental injury during your period of cover, we will reimburse you for reasonable vet expenses to treat your pet's condition.
Comprehensive
$15,000
Essentials
$7,000
Accident Only
$5,000
If your pet suffers an illness during your period of cover, we will reimburse you for reasonable vet expenses to treat your pet's condition.
Comprehensive
$15,000
Essentials
$7,000
Accident Only
We will cover your pet for specialist treatment (life threatening conditions) to treat their condition.
Comprehensive
$15,000
Essentials
$7,000
Accident Only
$5,000 (injuries only)
We will cover your pet for specialist treatment (non-life threatening conditions) to treat their condition.
Comprehensive
$4,000
Essentials
$2,000
Accident Only
$2,000 (injuries only)
We will cover your pet for patella surgery to treat their condition.
Comprehensive
$1,500
Essentials
$800
Accident Only
$800
We will cover your pet for cruciate ligament surgery to treat their condition.
Comprehensive
$1,500
Essentials
$800
Accident Only
$800
We will cover your pet for alternative therapy to treat their condition.
Comprehensive
$500
Essentials
$350
Accident Only
$350
We will pay for two claims per period of cover for routine care, up to a maximum of $50 per claim. No co-payment applies.
Comprehensive
Up to $100 (max. of 2 claims per year up to the value of $50 per claim – no co-payment applies)
Essentials
Accident Only
All our plans include a mandatory 20% co-payment. This means that you’ll pay 20% towards every treatment you claim under eligible vet expenses.
Comprehensive
20%
Essentials
20%
Accident Only
20%
If your pet passes away within your period of cover, we will contribute $100 towards the cost of cremation or burial.
Comprehensive
$100
Essentials
$100
Accident Only
$100
If you are unexpectedly hospitalised during your period of cover for at least three consecutive days and nights and you are the sole carer for your pet, we will pay emergency boarding fees for your pet.
Comprehensive
$700
Essentials
$350
Accident Only
If your pet is lost or goes missing for a period of more than five consecutive days, we will pay your advertising costs (up to $200) and reward (up to $400).
Comprehensive
$600 (max. $200 for advertising & max. $400 for reward)
Essentials
$600 (max. $200 for advertising & max. $400 for reward)
Accident Only
If your pet suffers a life threatening condition meaning you are unable to travel because you need to care for your pet while they undergo or recover from treatment, we will pay for you to reschedule or cancel your holiday up to the maximum limit for your chosen plan.
Comprehensive
$1,500
Essentials
$500
Accident Only
Covers necessary dental treatment for any of the following conditions: gingivitis, abscesses, dental disease, cavities, tooth fracture and retained deciduous teeth.
Comprehensive
$350
Essentials
$350
Accident Only
All our plans include a mandatory 20% co-payment. This means that you’ll pay 20% towards every treatment you claim under eligible vet expenses.
Comprehensive
20%
Essentials
20%
Accident Only
IMPORTANT – PLEASE NOTE:
- A policy aggregate applies for all claims combined under Sections 1 and 2 during your period of cover and other limits, sub-limits, conditions, and exclusions also apply. Please read the full details of cover in your policy wording.
- All costs must be reasonable.
- Benefits expire at your end date of cover and are not carried over into subsequent periods of cover. If your policy is renewed, the benefits will renew for your next period of cover (except for ongoing conditions) unless we tell you otherwise on your renewal certificate.
- Please read the policy wording for full details on the claims limits for on-going conditions.
- You can apply to upgrade or downgrade cover at any time, but terms and conditions apply – read the policy wording for full details.
- The Dental care optional benefit can be added for an additional premium. It can only be added or removed at policy inception or renewal. The dental care benefit limit is in addition to the policy aggregate.
Cover with confidence
- Pets are part of the family. That’s why we’ve teamed up with global insurance provider Allianz Partners to offer pet insurance for your cats and dogs.
- Keep your insurance simple, with all your policies in one place. From your car and contents to travel and your furry friends – we look after what matters most.
- Get a quick quote online in minutes, so you can spend more time playing with your precious pets.
- Our policies provide cover for 80% of eligible vet fees, plus you'll get cover for injury as soon as you buy your policy (additional claims waiting periods apply).?
- Insure your furry friends with us before their eighth birthday and renew your cover with us each year, then they're covered for life (up until fifth birthday for select dog breeds, see the policy wording for a full list).
- You can pick your favourite vet to treat your pet.
What it doesn't cover
Below are examples of things your pet likely won’t be covered for. General exclusions apply – please read the full details of cover in your policy wording.
Pre-existing conditions
Pre-existing medical conditions are not covered. However, cover will remain in place for new conditions as long as you do not let your policy lapse.
Dental cover is not included as a standard
Dental care cover is offered as an optional benefit that you can add to your policy if you would like to.
Claiming straight away for some conditions
Our policies have a claims waiting period for illness, routine care, and the optional dental care benefit. This means you must have your policy in place for the time specified in your policy wording before you can claim for that treatment.
Working dogs
We don't provide cover for your dog if they are used as a working dog e.g. hunting dogs, training or police dogs, dogs used by armed services and farm dogs. Please note, we do provide cover for assistance dogs.
Quote checklist
Here are some things you need to complete your quote:
- Your pet's details including name, date of birth, and breed.
- Your details including name, date of birth, residential address, email, and phone number.
- The name of your preferred vet clinic.
Policy documents
This is a summary only. See the policy document for the full list of features, benefits, conditions, limits and exclusions.
Download Comprehensive and Essentials plans policy wording (PDF, 750KB)
Download Accident Only Plan policy wording (PDF, 637KB)
Pet Insurance FAQs
A pre-existing condition is any illness or injury or symptoms or signs of an illness or injury that your pet suffered from or had in any form before the start date of your first Tower Pet Insurance policy. We recommend that you read the definition of a pre-existing condition in the policy wording so you understand what this covers.
No, pre-existing conditions are not covered, including conditions that develop during the claims waiting period. It's important to get your pet covered as early as possible and keep it covered each year.
You can start your cat or dog on any plan from eight weeks old up to their eighth birthday (or up to their fifth birthday for select breeds). Once they’re insured with us, we will provide cover throughout their lives.
All our plans include a mandatory 20% co-payment. This means that you’ll pay 20% towards every treatment you claim under eligible vet expenses. We will deduct the 20% co-payment amount from the amount you claim for treatment. Your policy wording includes a breakdown of how co-payments work and gives examples of different scenarios that might apply to you. Please note, we do not have a fixed excess or minimum claim amount.
You can upgrade to a higher plan at any time up until your pet reaches its eighth birthday. If your pet is a select breed, you have until its fifth birthday to upgrade. Upgrades are not allowed after your pet has reached the upper age limit (whichever applies to your pet). You can downgrade your cover at any time but there are conditions. Please read the 'Changing Your Cover' section in your policy wording to fully understand how this will affect your cover. If you need help, please call Allianz Partners on 0800 630 166 or email pethelp@allianz-assistance.co.nz.
If you're not completely happy with your cover, just let us know within 14 days after your certificate of insurance is issued.
As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made.
Gather your supporting documents like your vet invoice and any treatment notes that you'll need to include with your claim. Once that’s done, visit our make a claim page and make a claim online following the steps provided.
There is a 14-day claims waiting period for illness and routine care, and 90 days claims waiting period for the optional dental care benefit. The claims waiting period starts from the day your cover commences. If your policy is renewing and you haven't had any lapse in cover, the claims waiting period doesn't apply. For more information, please read the 'Claims Waiting Period' section in your policy wording. If you need help, please call Allianz Partners on 0800 630 166 or email pethelp@allianz-assistance.co.nz.
If you need any help with your policy, please contact Allianz Partners on 0800 630 116 (Monday to Friday, 8.30am – 5pm) or email pethelp@allianz-assistance.co.nz.
*Enjoy a month’s pet insurance premium on us promotion Ts&Cs apply.
**Up to $15,000 per year applies to the Comprehensive Plan. We cover up to $7,000 per year for Injury and Illness related vet expenses under the Essentials Plan and up to $5,000 per year under the Accident Only Plan.
^Up to $15,000 per year applies to the Comprehensive Plan. We cover up to $7,000 per year for life threatening conditions and up to $2,000 for non-life threatening injuries under the Essentials Plan. We cover up to $5,000 per year for life threatening conditions and up to $2,000 for non-life threatening injuries on the for Accident Only Plan (applies to injuries only).
#The price advertised is for a cat or dog insured under the Accident Only Plan excluding optional dental care cover. For full details of what is included, please read the policy wording.
?A mandatory 20% co-payment applies towards every treatment you claim under eligible vet expenses.
Information on Allianz Partners
Tower Pet Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611) and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy.
