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Looking for pet insurance?

Be in to win a share of $10,000 when you buy any new pet policy, plus save $50 online. 10 x $1,000 prizes to be won.*

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*Ts&Cs apply

Why choose Tower pet insurance

Life moves fast. One day you’re looking at funny pet videos, the next you’re recording your own. That’s why we’re excited to team up with Allianz Partners to bring pet insurance for cats and dogs.

Save with multi-pet discount

Multi-pet discount

Got more than one four-legged friend? Save 5% on each additional pet you insure with us and keep the whole litter safe. Ts&Cs apply.

Pet insurance covers your cat or dog for injury and illness

Injury and illness

Vet bills can be unexpected and costly. We cover injury and illness expenses up to $15,000 per year, so you don't have to think twice about calling the vet.**

Pet insurance covers your cat or dog for specialist treatments

Specialist treatments

We've got your furry friends covered as our policies include a range of specialist treatment expenses up to $15,000 per year.^

Dental care for your cat or dog with pet insurance

Optional dental care

Keep your pet's teeth in pawfect condition by adding our optional dental care benefit.

Compare cover for cats and dogs

This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.

Comprehensive

Essential

Accident Only

Policy aggregate 
Policy aggregate (the maximum amount we will pay you for all claims combined under Sections 1 and 2 during your period of cover).
Policy aggregate$15,000
Policy aggregate$7,000
Policy aggregate$5,000
SECTION 1 - VET EXPENSES
SECTION 1 - VET EXPENSES
SECTION 1 - VET EXPENSES
SECTION 1 - VET EXPENSES
Injury 
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.
Injury$15,000
Injury$7,000
Injury$5,000
Illness 
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.
Illness$15,000
Illness$7,000
Illness
Specialist treatment (life threatening conditions) 
We will cover your pet for specialist treatment (life threatening conditions) to treat their condition.
Specialist treatment (life threatening conditions)$15,000
Specialist treatment (life threatening conditions)$7,000
Specialist treatment (life threatening conditions)$5,000 (injuries only)
Specialist treatment (non-life threatening conditions) 
We will cover your pet for specialist treatment (non-life threatening conditions) to treat their condition.
Specialist treatment (non-life threatening conditions)$4,000
Specialist treatment (non-life threatening conditions)$2,000
Specialist treatment (non-life threatening conditions)$2,000 (injuries only)
Patella surgery 
We will cover your pet for patella surgery to treat their condition.
Patella surgery$1,500
Patella surgery$800
Patella surgery$800
Cruciate ligament surgery 
We will cover your pet for cruciate ligament surgery to treat their condition.
Cruciate ligament surgery$1,500
Cruciate ligament surgery$800
Cruciate ligament surgery$800
Alternative therapy 
We will cover your pet for alternative therapy to treat their condition.
Alternative therapy$500
Alternative therapy$350
Alternative therapy$350
Routine care 
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.
Routine careUp to $100 (max. of 2 claims per year up to the value of $50 per claim – no co-payment applies)
Routine care
Routine care
Co-payment 
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.
Co-payment20%
Co-payment20%
Co-payment20%
SECTION 2 - ADDITIONAL BENEFITS
SECTION 2 - ADDITIONAL BENEFITS
SECTION 2 - ADDITIONAL BENEFITS
SECTION 2 - ADDITIONAL BENEFITS
Funeral costs 
If your pet passes away within your period of cover, we will contribute $100 towards the cost of cremation or burial.
Funeral costs$100
Funeral costs$100
Funeral costs$100
Owner Hospitalisation (Emergency Boarding Fees) 
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.
Owner Hospitalisation (Emergency Boarding Fees)$700
Owner Hospitalisation (Emergency Boarding Fees)$350
Owner Hospitalisation (Emergency Boarding Fees)
Lost Pet (Advertising & Reward) 
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).
Lost Pet (Advertising & Reward)$600 (max. $200 for advertising & max. $400 for reward)
Lost Pet (Advertising & Reward)$600 (max. $200 for advertising & max. $400 for reward)
Lost Pet (Advertising & Reward)
Holiday Cancellation 
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.
Holiday Cancellation$1,500
Holiday Cancellation$500
Holiday Cancellation
SECTION 3 - OPTIONAL BENEFIT (DENTAL CARE)
SECTION 3 - OPTIONAL BENEFIT (DENTAL CARE)
SECTION 3 - OPTIONAL BENEFIT (DENTAL CARE)
SECTION 3 - OPTIONAL BENEFIT (DENTAL CARE)
Dental care 
Covers necessary dental treatment for any of the following conditions: gingivitis, abscesses, dental disease, cavities, tooth fracture and retained deciduous teeth.
Dental care$350
Dental care$350
Dental care
Co-payment 
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.
Co-payment20%
Co-payment20%
Co-payment
Policy wording
Download Policy wording
Download Policy wording
Download Policy wording
Get a quote
Get a quote
Get a quote

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.
Dog and cat
Dog and cat
Dog and cat

Cover for your cat

From as little as $3 per week#

Get a quote for your cat

Cover for your dog

From as little as $4 per week#

Get a quote for your dog

Cover with confidence

  • Get a quick quote online in minutes.
  • Our policies cover 80% of eligible vet fees, plus you'll get cover for injury as soon as you buy your policy.†
  • Insure your furry friends 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.

Pet Insurance FAQs

Expand all 
What is a pre-existing condition?

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.

Are pre-existing conditions covered?

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.

Do you insure infant or older pets?

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.

Do you insure 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.

What does the 20% co-payment mean?

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.

Can I upgrade or downgrade my cover?

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.

Can I cancel if I change my mind?

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.

How do I make a pet insurance claim?

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.

What is a claims waiting period and what does it apply to?

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.

How do I manage my policy or change my payment details?

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.

** 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. For more details, please read the policy wording.

^ 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. Additional claims waiting periods apply.

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.

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