AA Pet Insurance

Paws up for pet cover from an award winning brand

What's your furry friend up to right now?


AA0107 Pet email graphicWith a Petcube Camera or Pet Tracker, you'd know. So, when you take out an AA Pet Insurance policy before 28 July 2024, you'll be in to win your choice of either*. Keep tabs on your tabby or pinpoint your pooch! 

Apply now

AA Pet Insurance

We know what matters when it comes to looking after New Zealand’s dogs and cats. Our comprehensive pet insurance can help support you and your furry friend every step of the way, from your puppy and kitten’s early weeks and into their later years.

We’ve created a plan that you can adjust to suit your needs, with a simple online application process. Plus, you can get a complimentary VetChat^ membership, giving you access to registered vets online whenever you need it.


Why choose us


Fetch a quote online in minutes so you can spend more time with your four-legged friends. All you need are a few basic details like the name, age, and breed of your dog or cat.


We've created one product to keep things easy - simply choose the benefit limit and excess you want. Plus, you can also select our Paw Care add-on when you apply. 


With AA Pet Insurance being one of NZ’s trusted pet insurance brands, we are proud to take care of Kiwis’ insurance needs.


We love pets too! Our friendly team of pet lovers are here to help answer your questions and support you through any claims.

What we cover

AA Pet Insurance provides cover for dogs, so you can get the treatment needed if your dog is ill or injured.

AA Pet Insurance for cats is designed to help cover the costs of unexpected vet bills so that you can rest easy.

Pre-existing conditions

Unlike most pet insurers in New Zealand, we can cover some pre-existing conditions if your pet has been symptom-free for 18 months.

Proud to be a well-loved Kiwi brand

CANSTAR 2023 Most Satisfied Customers Pet Insurance OL


We’re delighted to be recognised by Kiwis like you. We’ve been awarded Canstar's 2023 Most Satisfied Customers Award with a 5-Star Rating in overall satisfaction, alongside receiving Reader's Digest 2022 Quality Service Award for pet insurance.


 Vetchat logo 1200x1200px half web


Get access to trusted vet care anytime, anywhere with a complimentary VetChat Membership. VetChat connects you with experienced New Zealand vets to provide vet advice and at-home treatment plans when you need it.


AA Pet Insurance Benefits

  • AA Member discount
    • AA Members can receive a 5% discount on each policy – simply provide a valid AA Membership number on application*.

  • We cover up to 80% of your eligible vet bills
    • If your pet gets sick or has an accidental injury, we’ll reimburse up to 80% of your eligible vet costs up to your benefit limit.

  • Flexible cover options
    • Choose how much you pay by selecting your benefit limit and excess.

  • No upper age limit once insured
    • With us, you can insure pets that are as young as 8 weeks old up to their 9th birthday. Once insured, your pet is covered for their lifetime as long as there’s no break in cover.

  • Complimentary VetChat consultations
    • Connect with experienced New Zealand registered vets to help your pet within minutes, via online chat or video call. Visit VetChat to learn more. T&Cs apply.^

  • Some pre-existing conditions may be covered after 18 months
    • Unlike most pet insurers in New Zealand, we can cover some pre-existing conditions depending on whether they are considered a temporary or chronic condition. If your pet has a temporary condition that occurred or existed before you took out the policy (or arises during the relevant waiting period) but has been symptom-free for 18 months, you can apply for your pet to be covered for that condition under the policy.

  • Optional add-on for routine care
    • Our Paw Care add-on allows you to claim for regular vet items like vaccinations, microchipping, registration costs, flea control, regular blood tests, and more.

  • We’ve made claims easy
    • We have a quick and simple online claims process. Simply log into your Claims Portal to lodge a claim and upload your claim supporting documents. No printing and filling out paper forms needed. Your claim will be processed quickly, and we’ll email you with updates and make payment directly to your bank account.

This is a summary only. Benefit limits, sub-limits, conditions, waiting periods and exclusions apply. For full details please refer to the Policy Wording.


How much difference could pet insurance make?

With no pet insurance in place, unexpected treatment costs could leave you in a difficult position financially. However, never fear! 'Unlucky' the dog is here to help you understand some of the potential vet costs you and your pet may face if you run into any of these common illnesses or accidents. 

Unlucky the Dog Web version FINAL

Find out more


NZEADT logo with gradient 150x150Dogs change lives, and so can you. By purchasing an AA Pet Insurance policy you’ll help support the dogs of the New Zealand Epilepsy Assist Dog Trust, which will enable people living with severe epilepsy to achieve independence. With your help, we’re proud to play a small part in the life-changing effects of these awesome canine companions.

Have a question?

Our friendly, pet-loving team are here to help. Give them a call to learn more about the policy. We’re available 9am to 5pm Monday to Friday (except public holidays).

0800 700 555

The Insurer

AA Pet Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are administered and managed by PetSure (Australia) Pty Ltd, and are underwritten by The Hollard Insurance Company Pty Ltd.

Financial Strength Rating

The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard & Poor's. For more details on the Financial Strength Rating, please click here.

Financial advice

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your specific financial situation, needs or goals and is not intended to be financial advice.

If you'd like to receive financial advice, you should get professional advice from a registered financial adviser.

More information

Contact Us
Policy Wording
Make a Claim
Complaint Process
Terms and Conditions
About Us
Pre-Existing Conditions
NZAA Financial Advice Provider Disclosure
NZAA Privacy Policy

*All new policies taken out between 12.00am 10 June and 11:59pm 28 July 2024 NZT will be in the draw to win a Petcube Cam or Pet Tracker. Full terms can be found here.

* 5% AA Member discount available when you provide us with your valid AA Membership number on application.

^VetChat is a non-insurance product that is separate from the AA Pet Insurance product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult membership and consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at aa.vetchat.nz. For the full terms of this offer, visit aa.vetchat.nz/terms-and-conditions. Register for VetChat at aa.vetchat.nz/signup to access your complimentary VetChat consult membership during the current policy period. AA may withdraw or extend this offer at any time without notice.