SPCA Pet Insurance

Pets offer an endless amount of love and companionship. But, just like human health, the wellbeing of your pets can become complicated and expensive when things go wrong. To ensure you and your furry friends are better prepared for the unexpected, Canstar compares pet insurance policies and discovers how SPCA Pet Insurance stacks up against the competition.

What does SPCA Pet Insurance offer?

SPCA Pet Insurance is the winner of Canstar’s Most Satisfied Customers | Pet Insurance Award 2024, based on feedback from hundreds of pet insurance customers.

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

*Cat and dog policies cover specific illnesses and situations, however, the specified coverage in the following policies apply to both 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:

70% of eligible vet bills covered
$11,000 annual limit
No excess
$2000 annual condition limit
Fortnightly, monthly or annual premiums
Apply from 8 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:

80% of eligible vet bills covered
$20,000 annual limit
No excess
No annual condition limit
Fortnightly, monthly or annual premiums
Apply from 8 weeks to 9 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:

90% of eligible vet bills covered
$25,000 annual limit
Unlimited consultations up to the specified benefit limit
Fortnightly, monthly or annual premiums
Apply from 8 weeks of age
No sub-limit on cruciate ligament conditions
No sub-limit for intervertebral disc disease

It’s important to note that unlike SPCA’s other pet insurance policies, Big Stuff Cover has a $1000 excess.

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 are a trusted partner of the Royal New Zealand Society for the Prevention of Cruelty to Animals Inc.

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.

To check out how SPCA Pet Insurance compares against other insurers in Canstar’s latest customer satisfaction ratings, click on the button below.

Compare pet insurance with Canstar!