What New Zealand pet owners say about their pet insurance providers, gathered from Trustpilot, Google, Feefo and the other review platforms we track. This page covers customer experience only: claims, payouts and service.
The most common complaints in pet insurance reviews are about claims declined for pre-existing conditions and about how quickly vet bills are reimbursed. Some brands here sell several types of insurance, and their ratings cover the whole brand rather than pet insurance alone.
| Provider | Overall | Reviews counted | Positive | Negative | Platform scores |
|---|---|---|---|---|---|
| Cove Insurance | 4.7/5 | 2,381+ | 89% | 3% | Google Reviews 4.7, Feefo 4.7, Trustpilot 2.5 |
| SPCA Pet Insurance | 4.6/5 | 733+ | 92% | 4% | Feefo 4.6 |
| Tower | 4.2/5 | 4,270+ | 77% | 18% | Trustpilot 4.3, Google Reviews 3.3 |
| PD Insurance | 4.1/5 | 340+ | 76% | 15% | Trustpilot 4.0, Google Reviews 4.4 |
| AA Insurance | 3.8/5 | 3,131+ | 72% | 16% | Google Reviews 4.2, Trustpilot 1.9, Reviews.io 2.95 |
| Petcover | 3.4/5 | 42+ | 55% | 30% | Trustpilot 2.3 |
| Pet-n-Sur | 1.8/5 | 83+ | 27% | 63% | Trustpilot 1.8 |
The themes that come up most often in each provider's reviews, with one example of praise and one of criticism where we found them.
Switched from AA and saved over $40/month on my 2019 Mazda CX-5. Whole process took five minutes online.Paraphrased from Google, 2025Read the full Cove Insurance review
The claims process was a breeze. Uploaded my invoice online and had the reimbursement within a week. The staff were super lovely and helpful throughout.Paraphrased from Feefo, 2025
My claim was declined because the condition was classed as pre-existing. My vet disagreed but the decision stood. Frustrating experience overall.Paraphrased from Feefo, 2024Read the full SPCA Pet Insurance review
Signed up online in about 10 minutes. The quoting tool was easy to use and the price was competitive. Really happy with how straightforward it was.Paraphrased from Trustpilot, 2025
After the flooding event, it took over three months to get a resolution. Communication was poor and I had to chase for updates constantly.Paraphrased from Google, 2024Read the full Tower review
Claim was approved and paid within 24 hours. Our dog needed emergency surgery after swallowing a sock and PD covered the entire bill with no co-payment.Paraphrased from Trustpilot, 2025
Claim was declined because they said the condition was pre-existing. We had no idea our dog had it before taking out the policy. Very frustrating.Paraphrased from Trustpilot, 2024Read the full PD Insurance review
Claim was sorted fast - had money in the bank within two days of my car being written off. Really impressed.Paraphrased from Google, 2025
Stolen car claim took over four months. Felt like I was being treated with suspicion the whole time.Paraphrased from Reviews.io, 2024Read the full AA Insurance review
Claim was handled within 3 days and Petcover paid my vet directly. The online claim form was simple to fill out. Very happy with the whole experience.Paraphrased from Trustpilot, 2025
Premiums jumped from $115 to $226 per month over five years. The service was better when they were Petplan. Claims are slow to process now.Paraphrased from Trustpilot, 2024Read the full Petcover review
Insured our pets since 2017 and they have paid out claims on time without hassle, provided all the paperwork is submitted correctly. Reliable cover.Paraphrased from Trustpilot, 2025
Everything is considered pre-existing by them. They seem more qualified than actual vets when it comes to deciding what conditions existed before cover.Paraphrased from Trustpilot, 2024Read the full Pet-n-Sur review
Among the pet insurance providers we track with at least 100 reviews from New Zealand customers, Cove Insurance has the highest overall score at 4.7/5 from 2,381+ reviews, followed by SPCA Pet Insurance (4.6/5) and Tower (4.2/5). Scores cover each brand as a whole and change over time, so check the date on each full review.
Each overall score is the customer sentiment score from our full review of that provider. It aggregates ratings from public platforms such as Trustpilot, Google and Feefo, weighted by review volume, with platforms holding fewer than 50 reviews given less weight. Quotes are paraphrased summaries of real customer reviews, and scores built on self-published or overseas review profiles are marked in the table. The scores describe customer experience only and say nothing about the price or cover of any policy.
These ratings describe customer experience only. To compare cover, prices and policy features, see our pet insurance comparison, or browse all NZ insurance company reviews.
Disclaimer: Reviews and ratings on this page are for informational purposes only and do not constitute financial advice. Scores are drawn from third-party review platforms at the date shown on each full review and may have changed since. Always verify details directly with the insurer.