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SPCA

Updated November 30, 2024

Trusted Pet insurance
Multi-pet Discount
Flexible Policy Options

SPCA homepage — Author SPCA. Screenshot of SPCA website.
[Accessed August 23, 2023]

About SPCA

SPCA Pet Insurance, in collaboration with RNZSPCA Incorporated, aims to bring the outstanding work of the SPCA to the pet insurance market, providing households throughout New Zealand with a dependable way to safeguard their cherished dogs and cats.

Strengthening bonds and protecting adventures

Embrace every moment with SPCA Pet Insurance NZ

Their primary goal is to foster stronger bonds between you and your furry companions. They firmly believe that every animal, including the mischief makers and rogue runners, is exceptional and deserves to be treasured for their unique qualities.

With their pet insurance, you can confidently embrace your cat or dog's next adventure, free from concerns about the potential expenses of veterinary care. Their coverage includes partial reimbursement of qualifying vet bills, allowing you to fully enjoy everything your pet has to offer. It’s their honour to be a part of this journey with you.

Join SPCA NZ and transform lives

Their pet insurance options are specifically designed to alleviate the financial burden associated with costly veterinary bills. When your cat or dog requires medical attention, their policies will reimburse you for a portion of those expenses, enabling you to prioritise your pet's well-being.

By choosing a policy from SPCA Pet Insurance NZ, you’re actively supporting the invaluable work of the SPCA in assisting vulnerable animals across New Zealand.

It’s their way of giving back to the creatures that make this place their home and they would be delighted to have you join them in this rewarding experience.

Protect your pet and transform lives with SPCA Pet Insurance NZ

The SPCA is deeply committed to various initiatives, including desexing, education, advocacy work, as well as rescuing, rehabilitating, and rehoming animals. Every year, over 35,000 animals find refuge in SPCA centres, while countless more receive support within the community.

They’re thrilled to be involved in such a vital cause, and they now offer you the opportunity to join them. By selecting them, you not only protect your pet but also contribute to the welfare and well-being of animals throughout New Zealand.

Together, a positive impact can be made on the lives of these vulnerable creatures, ensuring they receive the care and affection they truly deserve

SPCA Services

SPCA Pet Insurance NZ offers three levels of coverage tailored to your needs and budget.

Experience peace of mind knowing that up to 90% of qualifying vet bills are covered in case your furry friend encounters an unexpected adventure.

Closing the gap: The startling truth about pet expenses in New Zealand

In New Zealand, the number of vet visits far exceeds the number of pet insurance policies. This means that even though most pets require medical treatment at least once a year, around 90% of cat owners and 80% of dog owners have to pay these costs out-of-pocket.

Compare policies to find the perfect fit for your pet

Big Stuff cover

Designed specifically for those unexpected, significant vet bills that may arise when your pet requires surgery or other costly procedures and offers you $ 25,000 coverage annually. This option gives you a 90% return on all valid vet bills. You can expect to pay an excess of $ 1,000 and enjoy no limit annual condition coverage should you choose this option. Rest easy knowing that you have financial protection in place for these unforeseen situations.

Everyday cover

Ideal for the everyday mishaps and minor incidents that may happen to your well-behaved pet and provide you with $11 000 coverage and a condition limit of $2 000 annually. This coverage provides peace of mind, $0 excess, and gives you up to 70% of your valid vet bills back, ensuring that you can handle the costs associated with routine veterinary care.

The Works cover

When it comes to comprehensive care, The Works cover has you covered for up to $ 20,000 annually, and up to 80% of your valid vet bills back. This policy option offers extensive coverage, no condition limit, and $0 excess for a wide range of veterinary services, allowing you to prioritise your pet's health without worrying about expenses.

Additional benefits offered by SPCA Pet Insurance NZ

Coverage for illnesses
Coverage for specified accidental injury
Multi-pet discount (10% off each additional policy)
All sub-limits apply annually

Shining a light on pets in New Zealand

Did you know that the average cost of treating a dog amounts to about $499 and 82% of dogs require one or more vet visits annually? For a cat, you can expect to pay an average amount of $199 and 64% of cats require veterinary care at least once a month.

SPCA – Pet insurance

Product Pet Insurance
3 Policy Levels
Choose from three policy levels: Big Stuff Cover, Everyday Cover, and The Works Cover, tailored to your pet's needs and budget.
Cover Inclusions
Ensure your pet's well-being with coverage for illnesses, specified accidental injuries, and emergency situations.

Benefits of SPCA

Select coverage that suits your furry friend, ranging from essential care to top-tier protection
Enjoy a 10% discount on each additional cat or dog insured with SPCA Pet Insurance
Visit any licensed veterinarian in New Zealand for your pet's care without restrictions
Easily submit claims online through their secure portal with quick processing times

Hassle-free pet insurance application for the protection your beloved pet deserves

Give your beloved pet the protection they deserve with SPCA Pet Insurance's hassle-free application process. They understand that your furry friend's well-being is a top priority, and that's why they've made it easy for you to provide them with comprehensive coverage.

Secure your pet's future in 5 simple steps with SPCA Pet Insurance NZ

1: Get a quote

Start the process by obtaining a personalised quote for your pet insurance. Fill out the provided form, including details about your pet such as their name, species (dog or cat), gender, desexed status, breed, and date of birth. Your pet must be at least 8 weeks old to be eligible for coverage.

2: Quote details

After submitting the form, you’ll receive a comprehensive insurance quote that outlines the coverage options available for your pet. The quote will include information about the different policies and their corresponding benefits, ensuring you have a clear understanding of what’s covered.

3: Your details

To proceed with the application, provide your personal information. Enter your name, date of birth, contact number (mobile or landline), and email address. SPCA Pet Insurance NZ may need to contact you to address any queries and assist you in finalising your application.

4: Terms and conditions

Before confirming your application, carefully review the terms and conditions of the policy. This step ensures that you understand the coverage, exclusions, claim process, and any other relevant information. They prioritise transparency and want to make sure you’re fully informed.

5: Payment

Once you’ve reviewed and agreed to the terms and conditions, proceed with the payment process. They accept Visa and Mastercard payments, ensuring a convenient and secure transaction. Rest assured that all forms and payment processes are secure to protect your sensitive information.

Tailored policies, multi-pet discounts, and SPCA contributions

Flexible policy options – Select from three levels of coverage, catering to your pet's needs and your budget, ranging from essential care to top-tier protection.
Multi-pet discount – If you have more than one furry companion, enjoy a 10% discount on each additional cat or dog insured with SPCA Pet Insurance. The more, the merrier – and the more you save.
Tailored options – Your bond with your animal companions is special. That's why they’re dedicated to providing coverage that suits your needs and pocket.
Proudly supporting SPCA – By purchasing a policy, you’re contributing to the meaningful work of SPCA, helping vulnerable animals throughout the country.

Answers to your burning questions about SPCA pet insurance

Q: Is pet insurance really necessary? Can't you just save money for emergencies?

A: While saving money for emergencies is a responsible approach, it may not be enough to cover the unexpectedly high costs of veterinary care. Pet insurance provides financial protection and peace of mind.

Q: What if your pet has a pre-existing condition?

A: They cover eligible illnesses and injuries that occur after the start of the policy. Pre-existing conditions, which are conditions that existed before obtaining coverage, are generally not covered. However, they encourage you to contact their team to discuss your specific situation and explore available options.

Q: Are routine veterinary visits covered under SPCA Pet Insurance?

A: Vaccinations and regular check-ups are not typically covered by pet insurance policies. Their coverage focuses on unexpected accidents, illnesses, and emergency situations that may require extensive medical treatment.

Q: Are there any waiting periods before your coverage begins?

A: Yes, there are waiting periods associated with certain conditions. This is a common practice in the insurance industry to prevent fraudulent claims. Waiting periods vary depending on the policy and typically range from 14 days for illnesses to 48 hours for accidents. It's important to review the specific details of your policy to understand the waiting periods applicable to your coverage.

Q: Can you visit any veterinarian with SPCA Pet Insurance?

A: Yes, you have the freedom to choose any licensed veterinarian in New Zealand for your pet's care. They don’t restrict your choice of veterinary clinics or specialists.

Q: Can you customise your pet insurance coverage?

A: Absolutely! SPCA Pet Insurance offers flexible policy options to suit your pet's needs and your budget.

Q: How to file a claim with SPCA Pet Insurance?

A: Filing a claim is simple and straightforward. You can easily submit your claim online through their secure portal. Make sure to gather all the necessary documentation, such as veterinary invoices and medical records, to support your claim.

Q: Do they offer any additional benefits?

A: Yes, in addition to their comprehensive coverage, SPCA Pet Insurance provides additional benefits such as coverage for specified accidental injuries, and illnesses, and a multi-pet discount. By insuring more than one pet, you can enjoy a 10% discount on each additional policy, making it even more affordable to protect your furry family members.

Q: How long does it take to receive reimbursement for a claim?

A: Once your claim is submitted with all the required documentation, they strive to process it as quickly as possible. Reimbursement is usually processed within a few business days, depending on the complexity of the claim. Their goal is to ensure you a smooth and efficient claims experience.