Petplan is a specialist provider of pet insurance and we pride ourselves on delivering the highest quality plans for you and your pet. Along with our short waiting periods and first class customer service, we believe we can find a plan that suits your needs no matter what your budget. Read More
How Easy is it to Compare Pet Insurance Plans?
If you’ve made the decision to buy insurance for your pet, how do you find the best provider?
By visiting sites such as compare the market, pet insurance deals will be listed according to price – but does that really help? How do you compare pet insurance plans when one company is offering basic pet insurance, and another is offering fully comprehensive cover that is all singing and all dancing?
When making a pet insurance comparison, NZ pet insurance specialists Petplan advise that you should, first of all, think about what you want from your pet insurance. For example, what level of cover do you need? How much can you afford to pay each month? What kind of excess are you happy to pay? Just these basic considerations may help you to make a decision about which provider and which plan is the best one for you.
However, there are other things you’ll need to take into consideration if you visit a pet insurance plans comparison site – so let’s take a look at these.
What Should You Consider When Making A Pet Insurance Comparison?
One thing you will notice when comparing plans is that they all differ. Not all pet insurance is equal. Some offer basic coverage; others won’t accept older pets, some won’t accept pets with pre-existing conditions.
So here are some of the things you need to consider when applying for quotes.
The age of your pet – this will affect the cost of your premium. You’ll soon see that the older your pet, the more expensive your policy will be. You’ll probably find that very few providers are willing to provide any cover at all. If you do have an older pet, our senior's insurance could be the solution for you.
Pre-existing conditions – generally speaking, these won’t be covered under an insurance policy, but you do need to declare them.
Long-term conditions – ongoing conditions may only be covered if you have a lifetime policy, so you should always read the small print.
Breed – if you have a pedigree pet, it may cost more to insure, especially if you choose to insure it against loss or theft.
Breeding and pregnancy – if you’re planning to breed your pet, check that pregnancy is covered under your policy as this is not always included.
Also, be aware, that most policies don’t provide cover or pay-outs for routine, regular vaccinations, check-ups, spaying and neutering. You may also find that if your pet misses a routine vaccine and subsequently becomes ill, it may invalidate your cover – so it always pays to read the terms and conditions carefully.
Find Out More About Each Pet Insurance Company
We would always advise that you visit each pet insurance company’s website to see exactly what you will and won’t be covered for before signing up for any plan. At Petplan, we make it very clear what each plan offers and if there are any exclusions.
To find out more about our policies, simply complete our online quotation form with the details of your pet, and you’ll receive a no-obligation quote. Alternatively, you can contact one of our advisors by calling us on 0800 255 426.
We’d love to add your precious pet to our list of satisfied Petplan pets. Read Less
Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. For full details of our policies, please refer to our Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS); Covered for Life® Classic & Ultimate or 12 Months Essential.
Which plan is right for my pet?
Choosing the right plan can be a daunting and confusing task, however our friendly staff are always here to help you through the process. Remember that not all plans offer the same level of cover and peace of mind for your pet.
Covered For Life® Policies:
‘Covered For Life®’ is designed to reduce the concern of pet owners with their pets developing a long-term, chronic or reoccurring illness. These conditions which can include arthritis, diabetes, epilepsy, or even chronic skin condition can require treatment for their entire life with costs well in to the hundreds, if not thousands of dollars each year.
Petplan’s ‘Covered For Life®’ pet insurance leaves you with peace of mind knowing that your pet will be covered throughout their lifetime.*
*provided the cover is renewed each year without a break.
12 Month Essential Policy:
Petplan’s ‘Covered For Life®’ policies offer the most coverage for your pet, however our Essential Policy allows customers looking for a lower cost option to still have the peace of mind that their pet will be covered in the event of an unexpected injury or illness.”
Today, we continue to take dog insurance to the next level with innovative plans and forms of coverage that help make protecting your dog easier, more convenient and affordable.
Petplan Australasia Pty Ltd NZBN 2097390 FSP No. 25301 is the sole Administrator of our policies.
Petplan® is a Registrered Trade Mark. Products sold under this Trade Mark in Australia are sold exclusively by Petplan Australasia Pty Ltd under license from Pet Plan Ltd in the UK. The Insurer HDI Global Specialty SE -Australia (ABN 58 129 395 544, AFSL No. 458776) (HDI Global Specialty) with its registered address at Tower 1, Level 33, 100 Barangaroo Avenue, Sydney NSW 2000. HDI Global Specialty is authorised to carry out insurance business in Australia by the Australian Prudential Regulation Authority in accordance with the Insurance Act 1973 (Cth). HDI Global Specialty SE is registered in Germany, with its registered office at Roderbruchstraße 26, 30655 Hannover, Germany with registration number HRB211924 authorised by Bundesanstalt für Finanzdienstleistungsaufsicht (“BaFin“). It is authorised to carry on insurance business in Germany under the German Insurance Supervisory Act (“Versicherungsaufsichtsgesetz”). Please consider the PDS before making a decision to purchase the product. This information does not take into account your objectives, financial situation or needs.
The Insurer is regulated by the Australian Prudential Regulation Authority (“APRA”). HDI Global Specialty SE is not currently licensed to carry on insurance business in New Zealand and accordingly HDI Global Specialty SE is not regulated by New Zealand prudential supervision laws or within the prudential supervision of the Reserve Bank of New Zealand.
HDI Global Specialty SE -Australia has an A+ insurer financial strength rating given by Standard & Poor’s (Australia) Pty Ltd.
The rating scale is:
AAA Extremely Strong AA Very Strong A Strong B Weak CCC Very Weak CC Extremely Weak BBB Good BB Marginal R Regulatory Action
Plus (+) or minus (-): Ratings from “AA” to “CCC” maybe modified by the addition of a (+) or minus (-) sign to show relative standings within major rating categories.
An overseas policyholder preference applies. Under Australian law, if HDI Global Specialty SE -Australia is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on HDI Global Specialty SE Australian assets to satisfy New Zealand liabilities.