A happy woman holding her dog

Pet Insurance

PLUS 24/7 access to VetChat Support

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Be in to Win 1 of 30 Petcube Cameras

Simply take out an AA Pet Insurance policy today¹. Keep tabs on your tabby or pinpoint your pooch!

At AA Pet Insurance, we know that rising pet care costs are putting a strain on many owners. But we also know you don’t want to compromise the care of your furry friends. That’s why AA Pet Insurance makes so much sense.

We’ve created a plan that you can adjust to suit your needs, with a simple online application process, so that you can relax, knowing our comprehensive pet insurance is there when you need it, from your puppy or kitten’s early weeks and into their later years once insured.

Plus, AA Pet Insurance comes with complimentary VetChat consultations. That means you can connect with experienced NZ registered vets within minutes via online chat or video call to get help for your pet, during your policy period.²

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Petcube competition

They love you without limits. Having pet insurance shows it's mutual.

They might have a funny way of showing it, but they sure do love you. Show them the feeling’s mutual with AA Pet Insurance.

At AA Pet Insurance, we know what matters when it comes to looking after your furry friends. Our comprehensive pet insurance can help support you and your pet 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 an easy online application process. Plus, with every policy you’ll get a complimentary VetChat membership, giving you access to NZ registered vets online whenever you need it.

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Why choose us

Quick

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.

Simple

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.

Trusted

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

Supportive

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

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What we cover

A girl wearing a green cardigan smiling at her puppy napping

Dog Insurance

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

A girl lying on the grass petting her black and white cat

Cat insurance

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

A white puppy and a brown kitten laying on the grassfield

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.

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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 and 'Jinx' the cat are 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.

Illustration of Dog with labels about common illnesses or accidents and their corresponding costs

Illustration of a Cat with labels about common illnesses or accidents and their corresponding costs

Proud to be a well-loved Kiwi brand

CANSTAR 2023 Most Satisfied Customers Pet Insurance award

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, as well as being awarded as one of the Most Trusted brands for the 2024 Readers Digest awards.

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

Dogs 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.

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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 first insure pets that are as young as 8 weeks old up to their 9th birthday. Once insured, we will offer renewal of your policy every year for so long as we continue to provide the product.

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 Document.

Sit. Stay. Start now.

Getting a quote is easy and will take just a few minutes.

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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).

AA pet insurer

The Insurer

AA Pet Insurance policies are issued by The Hollard Insurance Company Pty Limited (Hollard), distributed by The New Zealand Automobile Association (Incorporated) (AA), and are administered and managed by PetSure (Australia) Pty Limited (PetSure).

Financial Strength Rating

The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard & Poor and for further details about this, please click here.

Financial advice

This is general information only and it is not financial advice. This information does not take into account your specific financial situation, needs, or goals. Please consider the relevant Policy Document available here to ensure these products meet your needs. Terms, conditions, limits, and exclusions apply. Waiting periods and excesses may also apply.

AA does not guarantee the obligations of, or any products issued by, Hollard. AA may receive commission payments as a result of the arrangement of AA Pet Insurance policies.

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QUICK LINKS

5% AA Member discount available on new policies.

Terms and conditions apply.*

More Information

> Policy Document

> Complaint Process

> Terms and Conditions

> Pre-Existing Conditions

> NZAA Financial Advice Provider Disclosure

> NZAA Privacy Policy

^*_{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.}

¹_{All new policies taken out between 12.00am 2 June and 11:59pm 25 July 2025 will be in the draw to win 1 of 30 Petcube Cameras. Please consider the AA Pet Insurance Policy Document before you buy. View the full T&Cs here.}

²_{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.}