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Pet ParentsSay Yes to SPCA Pet Insurance
Sit, shake, stay. Pets will do whatever you tell them, but there’s one thing they’ll do without being asked – love you. Here’s your chance to return the favour.
With SPCA Pet Insurance, you can choose from 3 different levels of cover depending on your needs and budget. Enjoy the feeling of knowing up to 90% of eligible vet bills1 are covered in case your cat or dog stumbles into the wrong adventure. To start saying Yes to your pet more often, say Yes to SPCA Pet Insurance today.
Did you know?
Currently, vet visits in New Zealand greatly outnumber pet insurance policies. This means that while most pets need medical treatment at least once a year, around 90% of cat owners and 80% of dog owners need to pay these costs out-of-pocket.2
Compare policies to find your pet's favourite treat
Big Stuff CoverFor large and shocking vet bills when your pet needs surgery or other expensive procedures. | Everyday CoverFor the occasional bump of an otherwise well-behaved pet. | The Works CoverFor giving your pet the best available care over and over (and over) again. | |
|---|---|---|---|
| Annual benefit limit | $25,000 | $11,000 | $20,000 |
| % of eligible vet bills reimbursed | Up to 90% | Up to 70% | Up to 80% |
| Eligibility age | 8 weeks and over | 8 weeks and over | 8 weeks - 9 years |
| Excess | $1,000 | $0 | $0 |
| Annual condition limit | Nil | $2,000 | Nil |
| Covers illnesses | |||
| Covers specified accidental injury | |||
| Multi-pet discount (applied to each additional policy) | 10% | 10% | 10% |
| Use of any registered vet in NZ | |||
| Emergency boarding fees | $1,500 | $1,000 | $1,500 |
| Consultations and vet visits benefit | $300 | $500 | |
| Cruciate ligament conditions benefit | $2,000 | $4,000 | |
| Essential euthanasia | |||
| Overseas pet travel | |||
| Cover for pre-existing conditions | Temporary Pre-existing Conditions: Automatically waived if symptom free for 18 months | Temporary Pre-existing Conditions: Automatically waived if symptom free for 18 months | Temporary Pre-existing Conditions: Automatically waived if symptom free for 18 months |
| Cover for hereditary & congenital conditions | |||
| Cover for cancer treatment | |||
| Cover for eye, ear and skin conditions | |||
| Cover for parasite conditions | |||
| Cover for infectious diseases | |||
| Cover for Intervertebral disc disease (IVDD) | $2,000 | $4,000 | |
| Cooling off period | 30 days | 30 days | 30 days |
| Payment frequency options | Fortnightly, monthly or annually | Fortnightly, monthly or annually | Fortnightly, monthly or annually |
| Online claims portal | |||
| Waiting periods | No waiting period for specified accidental injuries 21 days for Illnesses 6 months for cruciate ligament Conditions (may be waived on application - refer to the relevant Policy Document) | ||
All sub-limits apply on an annual basis.
A spotlight of pets in New Zealand
$499
Average cost of treating a dog3
$199
Average cost of treating a cat3
82%
Of dogs require one or more vet visits every year2
64%
Of cats need to see the vet at least once a year2
Love them. Protect you.
Fetch the word on pet insurance
What is pet insurance?
Pet insurance is a policy that helps you pay for vet bills when your cat or dog is unwell. With the right treatment, your pet’s quality of life can be massively improved, but the downside is that treatment is usually expensive.
Learn moreCompare pet insurance
Deciding which pet insurance policy to go for is a big call that can be the difference between success or frustration for you and your pet. Every option has something different to offer which means it can be important to compare different policies on the market. Here’s how SPCA Pet Insurance stacks up.
Learn moreWhat are the costs and fees of pet ownership?
Your loyal companion will follow you around forever, but so will their costs. Owning a pet comes with a lot of expensive responsibilities that you need to keep up with but there are ways to shop around for the best price.
Learn moreHow does cat insurance work?
Cat insurance covers some of your eligible vet bills when your feline friend needs medical care. Although cats are masters at landing on their feet, they’re also incredibly daring animals that are prone to accidents or injuries. That’s where pet insurance for your cat can help.
Learn moreHow does dog insurance work?
Dog insurance reimburses you for some of the costs when you take your dog to the vet. It’s easy to see how dog insurance might just become your second-best friend.
Learn moreAward-winning pet insurance
At SPCA Pet Insurance we’re proud to provide award-winning service to you and your furry friends.
Is your wallet pet-proof?
There’s nothing worse for your budget than an expensive trip to the vet, where a simple procedure can cost thousands of dollars. Don’t let your pet’s bad habits chew through your finances. Get covered today.
Why SPCA Pet Insurance
Flexible policy options
Choose between three different levels of cover for your pet or budget, from everyday essentials to the best of the best.
Multi-pet discount
Got more than one special companion? Enjoy a 10% discount for every additional cat or dog you insure with SPCA Pet Insurance. The bigger your family, the more you save.
Made for New Zealanders – and our pets
Kiwis have an iconic relationship with their animal companions. That’s why we’re committed to providing cover for the pets (and people) that make this place home.
Supporting your pet’s community
By purchasing a policy, you’re helping support the great work of SPCA, helping vulnerable animals across the country. Make your pet proud.
Digging for more information?
Get a free info pack
Get a free information pack about SPCA Pet Insurance.
Frequently asked questions
What does pet insurance cover?
Pet insurance covers up to 90% of eligible vet bills1, which can include consultation, blood tests or imaging, surgeries, medications, and more. You should always read the Policy Document to find out exactly what’s covered under any policy.
What is the average cost of pet insurance for a cat or dog?
Can I get pet insurance for my older pet?
I have more than one pet. Can I get a discount?
Will my premium increase every year?
Will I have to pay an excess?
Can I still use my current vet?
How much of my vet bills will be covered?
- Pre-existing conditions are excluded. Limits, sub-limits, and annual condition limits may apply. A $2,000 annual condition limit applies to Everyday Cover.
- Companion Animals in New Zealand 2020 Report – Companion Animals NZ
- Cross-sectional survey of pet ownership, veterinary service utilisation, and pet-related expenditures in New Zealand – PubMed
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