21:I[425086,["/_next/static/chunks/33t46atd3n2zd.js","/_next/static/chunks/1azcu7idq6p7w.js","/_next/static/chunks/1hpl4v2kj_a73.js","/_next/static/chunks/3xgao1cxp328r.js","/_next/static/chunks/1pvp9d82vdubx.js","/_next/static/chunks/0uimck1ev461y.js","/_next/static/chunks/1hz55hc06q58s.js","/_next/static/chunks/0ud2j_cr98n0q.js","/_next/static/chunks/0am9v72aabeoa.js"],"default"] 24:I[27201,["/_next/static/chunks/33t46atd3n2zd.js","/_next/static/chunks/1azcu7idq6p7w.js","/_next/static/chunks/1hpl4v2kj_a73.js","/_next/static/chunks/3xgao1cxp328r.js","/_next/static/chunks/1pvp9d82vdubx.js","/_next/static/chunks/0uimck1ev461y.js"],"IconMark"] 20:T454,{"@context":"https://schema.org","@type":"BlogPosting","@id":"https://insurspy.co.nz/blog/aa-pet-insurance-review-2025#blog-posting","headline":"AA Pet Insurance Review 2025","description":"AA Pet Insurance provides trusted and flexible coverage for cats and dogs in New Zealand. With accident, essentials, and comprehensive plans, it covers illness, injury, and optional wellness care, supported by strong customer service and industry recognition.","image":"https://liuxuebang.oss-ap-southeast-1.aliyuncs.com/blog/covers/2025/09/08/ce9ddb0b57574cf19ed3b024c4f0cb07.jpg","datePublished":"2025-09-08","dateModified":"2025-09-08","author":{"@type":"Organization","name":"Insurspy","url":"https://insurspy.co.nz"},"publisher":{"@type":"Organization","name":"Insurspy","url":"https://insurspy.co.nz","logo":{"@type":"ImageObject","url":"https://insurspy.co.nz/assets/images/resources/logo-1.png"}},"mainEntityOfPage":{"@type":"WebPage","@id":"https://insurspy.co.nz/blog/aa-pet-insurance-review-2025"},"url":"https://insurspy.co.nz/blog/aa-pet-insurance-review-2025","articleSection":"Pet","inLanguage":"en-NZ"}22:T2a02,

概览

Dog Insurance Plus Access to a Vet in Your Pocket | AA New Zealand

AA Pet Insurance，由新西兰汽车协会（NZAA）提供，是新西兰最成熟、最受信赖的宠物保险选项之一。凭借强大的品牌声誉和数十年的保险专业经验，AA 提供广泛的计划，旨在覆盖兽医治疗的意外费用。在2025年，它仍然是希望获得灵活性、稳健福利，以及对受尊重的保险公司带来安心感的猫狗主人们的热门选择。

计划选项

AA 提供三种主要计划，每种都适合不同的需求和预算：

仅限意外 – 覆盖因意外引起的伤害，如中毒、骨折或割伤。
基本计划 – 覆盖意外和疾病，设有中等年度限额。
综合计划 – 提供广泛的保障，包括牙科治疗、紧急寄养、度假取消，甚至丧葬费用。

主要特征

Make a Pet Insurance Claim | AA New Zealand

年度给付上限：可选 NZD 5,000、10,000，或 15,000。
报销：覆盖符合条件的兽医费用的80%。
自付选项：NZD 0、100、250，或每病况 500。
Paw Care Package：An optional add-on that reimburses up to NZD 100 annually for routine check-ups and vaccinations.
Pre-existing Conditions：如果您的宠物在至少18个月内无症状，可能重新考虑覆盖。
等待期：疾病等待期为 14 天，牙科或韧带问题等待期为 6 个月，事故不设等待期。

定价示例（月度保费，2025）

宠物类型与年龄	NZD 5,000 限额	NZD 10,000 限额	NZD 15,000 限额
猫（2–4 岁）	$24	$30	$36
猫（7–8 岁）	$36	$44	$53
小型犬（2–4 岁）	$31	$39	$48
大型犬（2–4 岁）	$42	$52	$62
狗（7–8 岁）	$55	$67	$79

Premiums increase with higher annual limits, larger breeds, and older ages.

Customer Reviews & Recognition

AA Pet Insurance 在新西兰受到客户和行业专家的一致好评：

行业奖项：根据 Canstar 的 2023 年消费者研究，AA 在沟通、覆盖、成本、客户服务和整体价值等方面获得了 5 星。Reader’s Digest 也在 2025 年授予 AA 的优质服务奖。
第三方分析：保险对比平台将 AA 描述为新西兰最全面的宠物保险之一，赞扬其福利范围广，但也指出标准的 20% 自付额以及某些疾病特定的限额。
客户意见：许多宠物主人赞扬 AA 的快速理赔流程和响应迅速的客户服务。线上讨论中的一个常见主题是理赔处理迅速，赔付在几天内到达。
社区提及：在 Reddit 上，新西兰的宠物主人经常将 AA 称为“安全且可靠的选项”，尤其是那些希望拥有可信品牌而非低成本新进入者的人。

示例反馈：

“AA 在一周内处理了我猫的手术理赔，且一切都在线完成。体验非常顺畅。”
“我为了我的大型犬多花了一点钱，但安心感是值得的。保单清晰，客户服务也很棒。”
“Paw Care 附加选项覆盖的范围不大，但拿回一些健康相关支出仍然不错。”

优势

全面覆盖，包括意外、疾病和可选附加选项。
灵活的年度限额和自付额选项，适合不同预算。
Paw Care 附加选项支持预防性保健。
强大的行业认可与品牌信任。
Easy online claims and VetChat support for members.

注意事项

一个 20% 自付额 适用于所有理赔，对于重大治疗可能成本较高。
年度最高限额为 NZD 15,000 可能无法覆盖最昂贵的治疗。
某些情况，如牙科护理或前十字韧带问题，设有子限额，可能限制赔付。
The Paw Care Package 是有帮助的，但每年上限为 NZD 100。

最终结论

AA Pet Insurance（2025）是新西兰最全面、最可靠的宠物保险产品之一。它特别适合重视可信、屡获殊荣的保险提供商、希望拥有灵活保单选项并欣赏简单直观的理赔流程的宠物主人。尽管自付额和年度上限意味着对极高成本的治疗并非最佳选择，但对大多数新西兰宠物主人而言，它仍然是一个平衡良好、对客户友好的选择。

23:T2c15,

Overview

Dog Insurance Plus Access to a Vet in Your Pocket | AA New Zealand

AA Pet Insurance, offered by the New Zealand Automobile Association (NZAA), is one of the most established and trusted options for pet insurance in New Zealand. Backed by a strong brand reputation and decades of insurance expertise, AA provides a wide range of plans designed to cover the unexpected costs of veterinary treatment. In 2025, it remains a popular choice for cat and dog owners who want flexibility, solid benefits, and the reassurance of a respected insurer.

Plan Options

AA offers three main plans, each suited to different needs and budgets:

Accident Only – Covers injuries caused by accidents such as poisoning, broken bones, or lacerations.
Essentials Plan – Covers accidents and illnesses with a moderate annual limit.
Comprehensive Plan – Provides extensive protection, including dental treatment, emergency boarding, holiday cancellation, and even funeral expenses.

Key Features

Make a Pet Insurance Claim | AA New Zealand

Annual Benefit Limits: Choose from NZD 5,000, 10,000, or 15,000.
Reimbursement: 80% of eligible veterinary expenses are covered.
Excess Options: NZD 0, 100, 250, or 500 per condition.
Paw Care Package: An optional add-on that reimburses up to NZD 100 annually for routine check-ups and vaccinations.
Pre-existing Conditions: May be reconsidered for coverage if your pet has been symptom-free for at least 18 months.
Waiting Periods: 14 days for illness, six months for dental or ligament conditions, and no waiting for accidents.

Pricing Examples (Monthly Premiums, 2025)

Pet Type & Age	NZD 5,000 Limit	NZD 10,000 Limit	NZD 15,000 Limit
Cat (2–4 years)	$24	$30	$36
Cat (7–8 years)	$36	$44	$53
Small Dog (2–4 yrs)	$31	$39	$48
Large Dog (2–4 yrs)	$42	$52	$62
Dog (7–8 years)	$55	$67	$79

Premiums increase with higher annual limits, larger breeds, and older ages.

Customer Reviews & Recognition

AA Pet Insurance is highly regarded in New Zealand, both by customers and industry experts:

Industry Awards: According to Canstar’s 2023 consumer research, AA received 5 stars for communication, coverage, cost, customer service, and overall value. Reader’s Digest also recognized AA with a Quality Service Award in 2025.
Third-Party Analysis: Insurance comparison platforms describe AA as offering some of the most comprehensive pet cover available in New Zealand, noting its breadth of benefits but also pointing out the standard 20% co-payment and certain condition-specific limits.
Customer Opinions: Many pet owners praise AA for its fast claims process and responsive customer service. A common theme in online discussions is that claims are processed quickly and reimbursements arrive within days.
Community Mentions: On Reddit, Kiwi pet owners frequently mention AA as a “safe and dependable option,” especially for those who want a trusted brand rather than a low-cost newcomer.

Example feedback:

“AA processed my cat’s surgery claim within a week, and everything was done online. Very smooth experience.”
“I pay a bit more for my large dog, but the peace of mind is worth it. The policy is clear, and customer service is great.”
“The Paw Care add-on doesn’t cover much, but it’s still nice to get some wellness expenses back.”

Strengths

Comprehensive coverage, including accidents, illnesses, and optional extras.
Flexible annual limits and excess choices to suit different budgets.
Paw Care add-on supports preventive healthcare.
Strong industry recognition and brand trust.
Easy online claims and VetChat support for members.

Considerations

A 20% co-payment applies to all claims, which can be costly for major treatments.
The maximum annual limit of NZD 15,000 may not fully cover the most expensive procedures.
Certain conditions, like dental care or cruciate ligament issues, have sub-limits that may restrict payouts.
The Paw Care Package is helpful but capped at NZD 100 per year.

Final Verdict

AA Pet Insurance (2025) is one of the most comprehensive and reliable pet insurance products in New Zealand. It is especially suited for pet owners who value a trusted, award-winning provider, want flexible policy choices, and appreciate straightforward claims processes. While the co-payment and annual caps mean it isn’t the absolute best option for very high-cost treatments, it stands out as a well-balanced and customer-friendly choice for most Kiwi pet parents.

19:[["$","script",null,{"type":"application/ld+json","dangerouslySetInnerHTML":{"__html":"$20"}}],["$","$L21",null,{"article":{"author":"Insurspy","author_en":"Insurspy","category":"Pet","created_at":"2025-09-08 15:59:37","description":"$22","description_en":"$23","id":167,"img":"https://liuxuebang.oss-ap-southeast-1.aliyuncs.com/blog/covers/2025/09/08/ce9ddb0b57574cf19ed3b024c4f0cb07.jpg","short_description":"AA宠物保险为新西兰的猫狗提供可信且灵活的保障。包括意外、基础和全面三种计划，覆盖疾病、受伤以及可选的健康护理，并以出色的客户服务和行业认可为支撑。","short_description_en":"AA Pet Insurance provides trusted and flexible coverage for cats and dogs in New Zealand. With accident, essentials, and comprehensive plans, it covers illness, injury, and optional wellness care, supported by strong customer service and industry recognition.","slug":"aa-pet-insurance-review-2025","title":"AA 宠物保险评测（2025 年）","title_en":"AA Pet Insurance Review 2025"}}]] 1b:null 1f:[["$","title","0",{"children":"AA Pet Insurance Review 2025 | Blog - Insurspy"}],["$","meta","1",{"name":"description","content":"AA Pet Insurance provides trusted and flexible coverage for cats and dogs in New Zealand. With accident, essentials, and comprehensive plans, it covers illness, injury, and optional wellness care, supported by strong customer service and industry recognition."}],["$","link","2",{"rel":"canonical","href":"https://insurspy.co.nz/blog/aa-pet-insurance-review-2025"}],["$","link","3",{"rel":"icon","href":"/favicon.ico?favicon.0pibstgvi33pl.ico","sizes":"48x48","type":"image/x-icon"}],["$","$L24","4",{}]]