I've finally gotten around to sorting out Kenzie's insurance, but I'm a bit stuck on which company to go with. There's only a few companies providing pet insurance here, and I don't know which of these two would be better. Both plans are pretty much the same price. It's worth noting that so far in her lifetime Kenzie's only ever been to the vet for minor things - ear infections, UTIs etc. However, who knows what the future holds! Insurance A covers 80% of any treatment with no excess. This means I could claim for any vet visit, no matter how small. It provides $6000NZD cover BUT it stipulates amounts it will pay for certain treatments, e.g. $1200 per year for cancers, $500 per year for imaging. Insurance B has an excess of $100 per claim, but after that $100 will pay the whole amount. It has higher cover of $9000 per year and doesn't stipulate set amounts for conditions. Opinions?