AA Pet Insurance
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
Proud to be a well-loved Kiwi brand
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.
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
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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
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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
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Choose how much you pay by selecting your benefit limit and excess.
- No upper age limit once insured
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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
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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
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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
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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
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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.
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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 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. 
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).