Access and use of the Pet-n-Sur website ("Website") is subject to the following terms and conditions of use ("Terms of Use"). By proceeding to use this website, you are deemed to have read and understood the Terms of Use and you signify your acceptance of the same.

'Refer a Friend' Terms and Conditions

1. Pet-n-Sur's standard acceptance terms will apply to all 'Refer a Friend' Applications.

2. The 'Refer a Friend' reward shall be in the form of a Gift Voucher.

3. Vouchers are not redeemable for cash.

4. Policies shall be considered valid for 'Refer a Friend' gift vouchers when the following criteria is met -

a) The Policy has been open for at least 7 days and

b) Pet-n-Sur has received at least 1/12 of the Annual Premium in cleared funds.

5. Pet-n-Sur will send the Voucher to an email address specified by the Referrer.

Website Information

Pet-n-Sur do their best to ensure that any information, data, services, systems, articles, bulletins and other content published from time to time on the Website ("Content") is accurate and complete. However we do not warrant that the Content is accurate or complete. We therefore recommend that you check the accuracy and completeness of any Content with Pet-n-Sur before purchasing any products or services.


The Content of the Website is intended for general information only and should not be construed as professional advice. We recommend that you take appropriate professional and legal advice before entering into any binding contracts. All information quoted on the Website is indicative rather than definitive. Your Policy Schedule and Wording will contain the full Terms and Conditions in relation to your Policy and we recommended you read through the document thoroughly.

Terms of Use

You may use the Website and Content for your own private, non-professional use only. You may not use, copy, disseminate, distribute or re-sell the Website or Content (or any part thereof) for any commercial use or purpose whatsoever without our prior written consent. The Website and Content has been specifically designed for use solely in New Zealand because the Content relates to products and services available to residents of New Zealand only. You must not use the Website or Content in countries where it is restricted or prohibited by local laws, regulations, codes or customs.

Limitation of Liability / Disclaimer

We shall not be liable for any loss, damages, costs, claims or expenses whatsoever arising from:

  • the acts, errors or omissions of our company or our website builders
  • the accuracy or completeness of the Website or Content;
  • your use of the Website and Content otherwise than in accordance with these Terms of Use.

In no event shall we be liable for any indirect or consequential loss or damages whatsoever (including, without limitation, loss of profits) incurred by you or in respect of any claim made against you by any third party arising as a results of, or in connection with, your use of the Website or Content. The Website and Content is provided 'as is'. All warranties whether express or implied under law (including, without limitation, any warranties in relation to the Content, information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights) are hereby expressly excluded to the fullest extent permitted by law.


Some pages on the Website contain hypertext links to and from websites not operated or maintained by us ("Third Party Websites"). You are reminded that when you enter a Third Party Website by means of hypertext links from the Website, you will be subject to the terms and conditions of the Third Party Website you are entering. Similarly, when you enter the Website by means of hypertext links from a Third Party Website, you will be subject to these Terms of Use.

Governing Law and Jurisdiction

These Terms of use are governed by the laws of New Zealand and you agree to submit to the exclusive jurisdiction of the courts of New Zealand.


A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.


From time to time, we may change the Terms of Use, the Disclaimer, the Privacy Policy and any other terms and conditions applicable to the Website or to any services offered by Pet-n-Sur. By using the Website and such services, you are deemed to have accepted any such changes.

Financial Strength Rating

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:


A++, A+ (Superior)

A, A- (Excellent)

B++, B+ (Good)


B, B- (Fair)

C++, C+ (Marginal)

C, C- (Weak)

D (Poor)

E (Under Regulatory Supervision)