Six plans, two of them (Surgery and Dental 360) cover only a smaller amount of possible treatment, so read the fine print before assuming they work like the rest.
Pet-n-Sur is underwritten by Beneficial Insurance Limited, which carries a B++ (Outlook Stable) A.M. Best rating. All six plans share a broad pre-existing conditions test and exclude hereditary conditions occurring within a pet's first 3 years of life. Two plans, Surgery and Dental 360, work fundamentally differently from the rest: they reimburse only a smaller slice of treatment (not general vet fees), so they're not viewed by FurWise as a like-for-like comparison with a standard accident-and-illness policy.
Rhodium
Pet-n-Sur's broadest standard plan, with an explicit 'No Caps' guarantee and a flat per-claim charge instead of a traditional excess.
Cover typeAccident and illness, full scope
Annual limit$6,000, explicit 'No Caps' — no named sub-limit for any condition
Excess-equivalent charge$300 flat, charged on every claim (not per condition, not annual) — effectively the harshest deductible structure FurWise reviewed
Co-paymentNone — the $300 flat charge is the only deduction
Waiting periods7 days for accidents (the only Pet-n-Sur/provider plan with a non-zero accident wait); 21 days illness
Hereditary conditionsExcluded if occurring within the pet's first 3 years of life, regardless of when the policy started
UnderwriterBeneficial Insurance Limited — B++ (Outlook Stable), A.M. Best
Where it's strong
An explicit 'No Caps' guarantee, with no named sub-limit category limits.
Alternative treatment (acupuncture, chiropractic, hydrotherapy and more) included as standard.
No percentage co-payment at all.
Worth knowing
The $300 flat charge applies to every single claim with no annual or per-condition cap. For a pet needing several claims in a year, this can add up faster than a typical excess elsewhere.
Has a 7-day wait on accidental injury, rather than 0 days.
Hereditary conditions are excluded if they occur within the pet's first 3 years of life.
Titanium
A higher annual limit than Rhodium, with a percentage co-payment instead of the flat per-claim charge.
Cover typeAccident and illness, full scope
Annual limit$18,000
ExcessNone
Co-payment20% headline rate; confirmed override rates of 40% (specialist treatment) and 50% (chronic/ongoing conditions)
Waiting periods7 days accident; 21 days illness
Sub-limitsNo confirmed named sub-limits, though the policy notes a Policy Schedule may include undisclosed category limits
UnderwriterSame as Rhodium — B++ (Outlook Stable), A.M. Best
Where it's strong
No excess at all.
A $18,000 annual limit.
Same standard alternative-treatment inclusion as Rhodium.
Worth knowing
The 20% headline co-payment rate rises to 40% for specialist treatment and 50% for chronic or ongoing conditions. It’s worth checking which rate is realistic for your pet's likely claims before comparing headline numbers.
Same 3-years-of-life hereditary conditions cutoff and 7-day accident wait as Rhodium.
Congenital conditions excluded outright, with no carve-out.
Surgery (Basic)
A fundamentally different product: reimburses surgical treatment only, not general vet fees. Not a like-for-like comparison with a standard policy.
Cover typeSurgical treatment only — no non-surgical medical treatment, consultations, or pre/post-operative care of any kind
Annual limit$1,500
Co-payment10% headline rate, but 40% for specialist treatment and 50% for chronic/ongoing conditions or any pet aged 10+
What counts as 'surgical'A procedure involving an incision, penetration or surgical instruments — e.g. removing a tumour, repairing a broken bone. Routine catheterisation explicitly doesn't count.
ExcessNone
Waiting periods7 days accident; 21 days illness
UnderwriterSame as Rhodium/Titanium — B++ (Outlook Stable), A.M. Best
Where it's strong
No traditional excess.
Useful as a low-cost supplement if surgical risk (not day-to-day vet visits) is the specific concern.
Worth knowing
Only the surgical component of treatment is reimbursed. Consultations, medication-only treatment and ongoing non-surgical management for the same condition aren't covered, even when the underlying cause is.
For a pet aged 10 or older, or any claim needing a specialist referral, the realistic co-payment is 40–50%, not the 10% headline rate.
A $1,500 annual limit only.
Dental 360
A single-body-system product covering teeth and gums only.
Cover typeDental treatment (teeth/gums) only — not organised around accident/illness at all
Annual limit$1,500
Co-payment20% headline; 40% for specialist treatment
ExcessNone
Waiting periods7 days accident; 21 days illness
Hereditary/congenital conditionsNot mentioned anywhere in this document, unlike Pet-n-Sur's other plans
UnderwriterSame as Rhodium/Titanium/Surgery
Where it's strong
No traditional excess.
A dedicated dental benefit, useful as a supplement to a plan that doesn't cover dental at all.
Worth knowing
Provides no general accidental-injury or illness vet-fee cover whatsoever outside teeth and gums. This is a dental-only product, and really not a substitute for an accident and illness policy.
A $1,500 annual limit specifically for dental treatment.
20% co-payment rising to 40% for specialist dental treatment.
Silver
A mid-limit standard plan sharing Pet-n-Sur's broader Cat and Dog policy wording with Titanium.
Cover typeAccident and illness, full scope
Annual limit$4,000
Co-payment30% headline rate; 40% specialist, 50% chronic/ongoing or pet aged 10+
ExcessNone
Waiting periods7 days accident; 21 days illness
Alternative treatmentIncluded as standard, same list as Rhodium/Titanium
UnderwriterSame as Rhodium/Titanium — B++ (Outlook Stable), A.M. Best
Where it's strong
No traditional excess.
Alternative treatment included as standard.
Worth knowing
The highest co-payment tier of any Pet-n-Sur plan — 30%.
Pet-n-Sur's own comparison page lists vaccinations, desexing/microchipping, lost-pet and funeral benefits as included on Silver, but none of these appear in the policy wording as a standard benefit, and several are explicitly excluded elsewhere in the document. Worth confirming directly before relying on the comparison page for these five items.
Same 3-years-of-life hereditary cutoff and 7-day accident wait as every Pet-n-Sur plan.
Unverified, worth checking directly. Pet-n-Sur's comparison page shows this plan's vaccinations, desex / microchip, lost / replacement pet, boarding fees and funeral costs benefits as included. None of these appear in the policy wording as a standard benefit, and desexing / microchipping/ routine vaccinations are explicitly listed as exclusions. Treat the comparison page as unverified these five items until Pet-n-Sur verifies it.
Platinum
Pet-n-Sur's highest standard-plan annual limit after Titanium.
Cover typeAccident and illness, full scope
Annual limit$9,000
Co-payment20% headline rate; 40% specialist, 50% chronic/ongoing or pet aged 10+
ExcessNone
Waiting periods7 days accident; 21 days illness
Alternative treatmentIncluded as standard, same list as Rhodium/Titanium/Silver
UnderwriterSame as every other Pet-n-Sur plan
Where it's strong
A $9,000 annual limit.
20% headline co-payment, better than Silver's 30%.
No traditional excess, and alternative treatment included as standard.
Worth knowing
Pet-n-Sur's own comparison page lists vaccinations, desexing/microchipping, lost-pet and funeral benefits as included on Silver, but none of these appear in the policy wording as a standard benefit, and several are explicitly excluded elsewhere in the document. Worth confirming directly before relying on the comparison page for these five items.
Same 3-years-of-life hereditary cutoff and 7-day accident wait as every Pet-n-Sur plan.No confirmed named sub-limits at the product level, but the policy notes a Policy Schedule may include category limits.
No confirmed named sub-limits at the product level, but the policy notes a Policy Schedule may include category limits.
Unverified, worth checking directly. Pet-n-Sur's comparison page shows this plan's vaccinations, desex / microchip, lost / replacement pet, boarding fees and funeral costs benefits as included. None of these appear in the policy wording as a standard benefit, and desexing / microchipping/ routine vaccinations are explicitly listed as exclusions. Treat the comparison page as unverified these five items until Pet-n-Sur verifies it.Any information shown on FurWise is not financial advice. FurWise is a features comparison tool. It's a helpful starting point so you can understand how pet insurance policies in New Zealand work. If you are still unsure about what might be right for you after using FurWise, we strongly recommend you seek independent advice from a financial adviser about your specific situation.
Any information shown on FurWise is not financial advice. FurWise is a features comparison tool. It's a helpful starting point so you can understand how pet insurance policies in New Zealand work. If you are still unsure about what might be right for you after using FurWise, we strongly recommend you seek independent advice from a financial adviser about your specific situation.
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