One Month Free - up to $100. Terms and Conditions apply.

Why Mighty Ape Pet Insurance?

Easy-to-understand cover

Clear plan choices designed to be easy to compare and easy to manage.

Fast online claims

Submit claims digitally without paperwork or long wait times.

High annual claim limits

Choose a level of cover that helps protect you from unexpected vet costs.

Accidents and illnesses

Support for injuries, sickness and ongoing conditions, not just one-off emergencies.

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‍Pet Insurance

Promotional Terms and Conditions apply.

Limited Time - $30 MightyApe Voucher

Purchase a policy through MightyApe before 31 March and you’ll also receive a $30 Mighty Ape voucher.*

Get up to 3 Months Free! (Up to $100)

Receive up to three months free (up to $100 per month) for pets under 6 months old, otherwise receive one month free, applied monthly or pro-rata if you pay annually.

Multi-policy discount available

We offer a multi policy discount of up to 10% when you purchase two or more eligible policies from Mighty Ape Insurance (excludes Travel Insurance).

Annual Discount Available

We offer up to a 10% discount on your insurance premium if you choose to pay annually.

Promotional Terms and Conditions apply.

Affordable Cover, Mighty Protection

Accidents happen. Vet bills don’t have to be scary. With our budget-friendly cover, your furry mischief-maker gets the protection they need, and your wallet stays happy.

Accident Only

A simple, budget-friendly option that helps when your pet has an unexpected injury or accident. Support for those stressful moments you don’t plan for.
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Major Cover

The trusty sidekick. Steps in for big injuries and serious illnesses, helping you tackle those hefty vet bills without breaking into a cold sweat. Popular for a reason.
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Major + Minor Cover

The whole banana. Big stuff, small stuff, and everything in between. If you want maximum peace of mind and a happy, well-protected furry friend, this is the one.
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Accident Only Feature Summary

$500 Excess

10% Co-pay

Annual aggregate limit: $5,000

Annual condition limit – None

Covers accidental injury

Major Feature Summary

$1,000 Excess

10% Co-pay

Annual aggregate limit: $25,000

Annual condition limit – None

Covers accidental injury

Use of any registered vet in NZ

Cruciate ligament conditions benefit

Cover for hereditary & congenital conditions

Cover for cancer treatment

Cover for eye, ear and skin conditions

Cover for parasite condition

Major + Minor Feature Summary

Variable excess

20% Co-pay

Annual aggregate limit: $25,000

Annual condition limit – None

Covers accidental injury

Use of any registered vet in NZ

Cruciate ligament conditions benefit

Cover for hereditary & congenital conditions

Cover for cancer treatment

Cover for eye, ear and skin conditions

Cover for parasite condition

Dental / Everyday (Optional extras)

This is only a summary of some of the benefits available as part of a Mighty Ape’s pet insurance policy. To find out about our cover including benefits, limits and exclusions, please review our policy wording before purchase.

Important things to know

We believe in keeping things straightforward, so here are the key details to understand before choosing Mighty Ape Pet Insurance.

Excess

Most plans include an excess. This is the amount you contribute when you make a claim.


Choosing a higher excess lowers your monthly premium. The Major Stuff plan is intentionally designed with a higher excess to help keep premiums more affordable.

Co-Payment

Co-payments are a standard part of pet insurance in New Zealand.
This is the percentage of each eligible claim that you contribute.

For example, with a 20 percent co-payment on a $1,000 eligible claim, you would contribute $200, plus any applicable excess.

Pre-existing conditions

Like most pet insurers, pre-existing conditions are not covered.

A pre-existing condition is any condition that occurred before you purchased your policy.

Waiting periods

A waiting period is the time that must pass before you can claim for certain conditions.

There is no waiting period for accidental injuries, 21 days for illness conditions, and 6 months for cruciate ligament conditions.

How claims work

We’ve kept the process simple, so you can focus on your pet.

1.

Take care of your pet

If your pet needs treatment, visit your local vet and get the care they need.

2.

Lodge a claim online

Submit your claim online with details about what happened, along with your vet’s invoices and supporting documentation.

3.

Get reimbursed

Once we’ve received the required paperwork, we’ll assess your claim and reimburse eligible expenses once the claim is approved. Reimbursement is subject to submission and acceptance of a valid claim.

Policies & Promotional Terms

Accident Only PolicyMajor + Major & Minor PoliciesPromotional TermsPrivacy Policy

Mighty Ape Pet Insurance difference

Save Money

Competitive pricing, using excesses and co-payments to keep your premiums affordable.

The right partners

Mighty Ape Insurance has partnered with Cove. Their policies are underwritten by Aioi Nissay Dowa.

Save Time

Quick online process, and exceptionally fast support when needed.

Save Hassle

Manage your policy 24/7 and get your insurance sorted, hassle-free.

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