Risk score 1.00× the average small pet. Here is what that means in NZD.
Risk score 1.00x average| Condition / procedure | New Zealand range | Insurance |
|---|---|---|
| Vitamin C Deficiency (guinea pigs) | NZ$125–NZ$330 | covered |
| Respiratory Infection | NZ$165–NZ$490 | covered |
| Bladder Stones | NZ$740–NZ$1,805 | covered |
Average-to-elevated risk. Insurance is a reasonable default unless you keep a large emergency fund.
Run the calculator for a American guinea pigAccident and illness plans with up to 80% back on eligible vet bills; New Zealand's best-known pet insurer.
Get a quote →Cover for dogs, cats, rabbits and some exotics, with lifetime and accident-only tiers.
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Around NZ$6,030 in routine care plus a realistic share of breed-typical conditions, at 2026 New Zealand prices.
Modelled premiums (estimates, not quotes) run about NZ$14–NZ$23 a month for a young rabbit, rising with age and city.
That depends on what you could pay in cash. The breed's risk score is 1.00× average and the single worst bill we model is NZ$1,970. The calculator compares that bill with your emergency fund and shows the expected net cost of insuring.