The cheapest pet insurance policies available in New Zealand are accident-only plans offered by carriers such as PD Insurance, Cove, Tower, and Southern Cross Pet Insurance. These entry-level policies generally cost between 12 and 20 dollars per month. While affordable, they strictly cover sudden accidental injuries (such as motor vehicle accidents, bone fractures, or lacerations) and explicitly exclude illnesses, infections, or hereditary diseases, meaning policyholders absorb all routine sickness veterinary costs out of pocket.
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