Protect your pet’s smile with Dental360

Dental insurance for your pet is an invaluable investment in their overall health and well-being. Just as with humans, poor dental health in pets can lead to more serious medical issues, including infections, diseases of the liver, kidney, heart and significantly diminished quality of life.

Many pet owners are not aware that by the age of three, most dogs and cats exhibit some symptoms of dental disease.

With Dental360, you ensure that your pet receives regular, professional dental care without the financial strain unexpected dental treatments can cause. This not only helps in maintaining your pet's optimal health but also prevents more severe health complications down the line through early detection.

Of course, you can do this!

However, the amount you would have available for vet bills could be a lot less – for example, you have a 3-year-old cat and put aside $30 a month for a year, you would have $360 available after 12 months. Put a similar amount on a Pet-n-Sur Dental360 Policy and you would have up to $1,500 available by the end of the first month! And when you renew your policy, you will have another $1,500 available the next year.

That is the risk you need to assess based on your own needs and circumstances.

Our recommendation is to take out a policy as early as possible (we offer Dental360 cover on most pets from 6 weeks old).

Dental360 is your all-in-one Pet Dental solution, offering quality care and royal treatment for your beloved pet without the usual restrictions or limitations found in typical dental coverage (for example, they will often exclude routine cleaning or gingivitis-related treatment).

As a standalone product, Dental360 allows you to secure top-tier dental insurance for your furry companion independently of other policies (or other insurers!) So, even if your pet is not currently covered with Pet-n-Sur, you can secure enhanced dental cover for them with Dental360.

Dental360 covers a range of treatments aimed at maintaining and improving dental health. Here are some of the common treatments that are covered...

Routine Dental Check-ups, Professional Teeth Cleaning, Dental X-rays, Extractions, Oral Surgery, Periodontal Disease Treatment, Pain Management and Medications.

If the treatment relates to your pet's teeth or gums, it's covered!

Yes, whether you need a regular check-up or urgent treatment, you can count on us to provide support and coverage.

Yes, these preventive services might include annual cleanings, exams, X-rays and sometimes even certain preventive treatments like fluoride treatments or sealants.

Yes, Specialist Veterinarian costs are covered (note the Co-Pay percentage for treatments by Specialist Veterinarians will vary).

You will find more details on the Our Plans page. Your Policy Schedule and Wording will contain full details on cover for Specialist Treatments.

No. This is the main reason why Pet-n-Sur and your vet or breeder recommend you get your pet covered as early as possible and keep them covered each year!

Pet-n-Sur can provide Dental360 cover for Cats and Dogs from 6 weeks old.

Hereditary Conditions are defined as conditions that occur in your Cat or Dog where the breed has a genetic predisposition to that condition. These conditions may or may not be apparent in the pets parents however they show a clearly familial pattern of occurrence or a clear breed predisposition, as evidenced by a markedly increased odds ratio of the disease occurring in that breed when compared with the general Cat of Dog population.

That's certainly a bit of a mouthful, however, the good news is that with Pet-n-Sur, Hereditary Conditions that present for the first time after your pet's third birthday will be covered!

Pre-existing conditions mean any health problems your pet had before you got the insurance. We don't cover these in our policies because they were already there when you signed up. Pet insurance is all about helping out with unexpected issues down the road, so anything your pet had going on before won't get you any money back.

Hereditary conditions are health issues in your pet that are linked to their breed's genetics. These conditions might not be obvious to the pet's parents, but they follow a family pattern or a breed tendency. Pet-n-Sur covers hereditary conditions that show up for the first time after your pet turns three!

The short answer is, Yes!

Pet-n-Sur will provide cover for the life of your pet even if they require ongoing treatment. For more info, head over to the Our Plans page.

The cost will depend on the age and/or the breed of your pet. The prices start from $6.92 per week.

Yes, Pet-n-Sur provides premium discounts when multiple pets are covered by us.

We offer our Dental 360 Cover for Cats and Dogs from 6 weeks old. There are maximum entry ages on cats and dogs. However, once your precious pet is covered, they can be covered for life with no age expiry!

It's a good idea to review your pet insurance every year. Pets grow and their needs change over time, just like ours do. By checking your policy annually, you can make sure it still covers everything your pet might need, from routine check-ups to unexpected emergencies. This way, you can adjust your cover to match any new health issues or changes in your pet's lifestyle.

Yes! As long as your policy is renewed each year, Pet-n-Sur can cover your precious pet for life!

Co-Pay is the percentage of each eligible claim that you contribute. So for example, if you have an eligible claim for $1,300 you would contribute $260 and Pet-n-Sur would contribute $1,040.

You will find more info on how Co-Pay works on the Our Plans page and in your Policy Schedule.

You will have 7 days after the Commencement Date of your policy to consider the full terms and conditions of the policy you have taken out. If you are not happy or change your mind during this 'free look' period, notify us in writing and we will cancel the cover and refund any payments you have made. An exception to this would be if you make a claim during the 'free look' period.

After the 'free look' period has passed, we understand that you have considered the Policy Schedule and Wording and we commit to providing the cover you requested.

Yes, on new policies there is a 21 day stand-down period for medical treatments and 7 day stand-down period for accident related treatments from the day your cover commences. However, with Pet-n-Sur, when your policy is renewed, the stand down period is waived!

Claim forms are available on our website for download.

Simply complete the form, attach all clinical summaries and receipts relating to the claim and upload your files here or send it to us by email (or snail mail or even fax it if you want!)

We will acknowledge receipt of your claim and our in-house Claims Team will manage your claim.

Our goal is to make the process as stress-free as possible for you.

You can help us help you by taking the time to ensure your Claim Form is fully completed and all Clinical Notes and receipts for payment are attached - incomplete claim forms are the number 1 reason for delays!

Obviously, some claims are more complex than others and can take longer to effectively manage. However, we are committed to processing your claim as efficiently as possible.

And we don't just say that, we do that - 99.3% of claim payments are made within 14 days!

The claim form on the site needs to be opened either in a Chrome browser or saved to your computer and opened with Adobe Acrobat Reader. There is a link to download this for free on our Claims Page.

Sometimes, browsers like Firefox, Edge and Safari will open the claim form but you can't fill it in. If this happens, remember to save the pdf file to your computer or mobile device and then open the claim form with your Adobe Acrobat Reader.

If you still have problems, email claims@petnsur.co.nz and let us know how you would like us to send you a claim form.

Yes - you have to pay for vet expenses upfront.

Like many other pet insurance providers, we operate on a reimbursement basis - meaning pet owners are required to pay for vet services upfront and then submit a claim to us for reimbursement.

This approach provides two advantages.

First, it empowers you to choose any vet for your pet's healthcare enabling you to make healthcare decisions based on your preferences and cater to the unique needs of your beloved pet.

Second, it simplifies the process. Dealing with payments directly with the vet makes things less complicated. The reimbursement model ensures a smoother process for getting your money back. The insurance company can focus on reviewing and approving claims rather than managing payments to numerous vet offices.

Yes, you can!

Pre-Approval is when we review an event prior to the procedure to advise on what cover will be available. Pet-n-Sur can look at pre-approving a claim when the estimated costs are $1,000 or greater.

We just need a few days notice and a full clinical history to make the assessment (note that pre-approval is applicable on future-dated events and is not a pre-payment - it is a review prior to the relevant procedure to give you peace of mind on what you could be covered for).

For pre-approval on upcoming claims, get hold of our Claims Team on 0800 738 678 or email claims@petnsur.co.nz as early as possible.

Your Policy Schedule and Policy Wording contains all the Terms and Conditions that relate to the Policy you choose. Once you receive that document, read through it to make sure you are happy with the cover you selected.

Our generic Dental360 Policy Wording can be viewed here.

If you have any questions or queries regarding your cover, get hold of us via the Contact Page or call our team on 0800 738 678.

All licensed insurers are required to have a financial strength rating ("FSR") from a rating agency authorised for this purpose by the Reserve Bank of New Zealand. Beneficial Insurance Limited has been rated B++ Outlook Stable by AM Best Company. The AM Best company financial strength rating scale is as follows:

Secure

A++, A+ (Superior); A, A- (Excellent); B++, B+ (Good)

Vulnerable

B, B- (Fair); C++, C+ (Marginal); C, C- (Weak); D (Poor); E (Under Regulatory Supervision)