Plain English

Policy wording

The full legal contract between you and the insurer that sets out exactly what a policy covers, excludes, and costs.

Policy wording Also called: Product Disclosure Statement (PDS)

The full legal contract between you and the insurer that sets out exactly what a policy covers, excludes, and costs. It's the actual source of truth behind every fact on FurWise: Every fact on this site links back to the specific page and section of the relevant provider's policy wording, so you can check it yourself.

Marketing pages and comparison-table checkmarks might not always match what's actually in the policy wording (FurWise has found a few). When the two disagree, the policy wording wins, and the gap gets flagged rather than smoothed over.

Always read the current policy wording in full before buying a policy; terms can change between when FurWise last reviewed a document and when you apply.

See how this plays out, insurer by insurer

Every FurWise fact is backed by a citation like this one — compare all 8 NZ pet insurers side by side, free.