New Zealand is a nation of animal lovers. According to Companion Animals New Zealand's 2024 Pet Data Report, released in March 2025, 63% of Kiwi households have a pet. Cats are the most popular, with around 1.26 million across the country, while New Zealand is home to an estimated 830,000 dogs.
But while pets bring companionship, fun and plenty of affection, unexpected accidents and illnesses can bring substantial veterinary bills. Surgery, diagnostic tests and ongoing treatment can quickly become expensive, leaving owners facing difficult financial decisions.
Is Pet Insurance Worth It?
Pet insurance can help cover eligible veterinary costs, depending on the policy. Rather than having to pay the full cost of an unexpected treatment yourself, insurance can provide a financial safety net when your pet needs care.
Whether insurance is right for you depends on your budget, your pet's age and health, and how comfortably you could manage a large vet bill. It's important to compare premiums, excesses, reimbursement rates, annual limits and exclusions before choosing a policy.
Getting cover while your pet is young and healthy may also give you more options, as pre-existing conditions are generally excluded from pet insurance.
Get a quote from Mighty Ape Pet Insurance
If you're looking for cover for your cat or dog, Mighty Ape Pet Insurance offers a range of options, from accident-only protection to cover for major injuries and illnesses, with additional cover options available on selected plans.
There's also an offer worth checking out: eligible puppies and kittens under six months old can receive up to three months of free premiums, capped at $100 per month per pet. Pets outside that age group are eligible for one month free, subject to promotional terms and conditions.
Don't wait until an unexpected trip to the vet to think about cover. Compare your options, understand what's included and choose a policy that suits your pet and your budget.
Get a pet insurance quote from Mighty Ape Pet Insurance and check whether your pet qualifies for up to three months free* premiums.
Promotional eligibility, terms and conditions apply. Cover, exclusions, excesses, co-payments, waiting periods and benefit limits vary by policy. Read the policy wording before purchasing.
