What does SPCA Pet Insurance offer?
SPCA Pet Insurance offers separate insurance plans for dogs and cats, with three levels of cover. These policies are:
- Everyday Cover
- The Works Cover
- Big Stuff Cover
Note that SPCA Pet Insurance's cat and dog policies cover specific illnesses and situations. But below we've listed coverage in the policies that apply to cats and dogs.
What's covered by SPCA's Everyday Cover?
Everyday cover is ideal for the "occasional bump of an otherwise well-behaved pet". This policy includes:
- Co-payment 30% + $0 excess
- $11,000 annual limit
- $2000 annual condition limit
- Fortnightly, monthly or annual premiums
- Apply from eight weeks of age
What's covered by SPCA's The Works Cover?
The Works Cover is ideal for "giving your pet the best available care over and over again". This policy includes:
- Co-payment 20% + $0 excess
- $20,000 annual limit
- No annual condition limit
- Fortnightly, monthly or annual premiums
- Apply from eight weeks to nine years
What's covered by SPCA's Big Stuff Cover?
Big Stuff Cover is ideal for "large and shocking vet bills when your pet needs surgery or other expensive procedures". This policy includes:
- Co-payment 10% + $1000 excess
- $25,000 annual limit
- Unlimited consultations up to the specified benefit limit
- Fortnightly, monthly or annual premiums
- Apply from eight weeks of age
- No sub-limit on cruciate ligament conditions
- No sub-limit for intervertebral disc disease
What's not covered by SPCA Pet Insurance?
SPCA Pet Insurance has some exclusions around animals of a certain age, as well as some animals with pre-existing conditions. If your pet has existing conditions that require ongoing treatment or medication when taking out a new policy, they may be excluded from cover.
Some medical procedures including desexing, neutering and spaying are not covered by SPCA Pet Insurance. Dental costs are also not covered and cannot be added to any pet insurance policy.
Why choose SPCA Pet Insurance?
When you purchase a SPCA Pet Insurance policy, you're helping the SPCA support vulnerable animals across New Zealand.
And, as an extra perk, you'll receive a multi-policy discount of 10% for each additional policy you add.
About SPCA Pet Insurance
SPCA Pet Insurance is a trusted partner of the Royal New Zealand Society for the Prevention of Cruelty to Animals.
The SPCA works to give animals in New Zealand a better and happier life. Over 35,000 animals are saved by the SPCA each year, through various initiatives including recuing, rehabilitating and rehoming.
NB: This is only a summary of key benefits. For full details, exclusions and limitations, please refer to the SPCA Pet Insurance website.