Pet insurance for your dog

Dog insurance reimburses you for some of the costs when you take your dog to the vet. After your dog is treated, you can make a claim for the cost of the vet bill and get back a percentage of what you paid. When you combine the cunning drive for adventure that most dogs have with the high standard of animal care in New Zealand, it’s easy to see how dog insurance might just become your second-best friend. In fact, over 90% of Kiwis say the main reason for owning a dog is to add an extra member to their family.1

According to the latest data, less than 20% of dog owners in New Zealand have pet insurance, which is often because they’re not aware of the value it offers.2 However, at least 75% of dog owners take their companion to the vet once a year or more, which means they’re paying for these costs out-of-pocket and missing out on the benefit of pet insurance.

Free Information Pack

Info pack

Get a free information pack about SPCA Pet Insurance.

SPCA Dog Insurance

SPCA Pet Insurance offers three different options for dog owners to avoid expensive vet bills.

  • Everyday Cover can help with the occasional vet visit for your dog by covering up to 70% of eligible costs while also keeping your premiums manageable.3   
  • The Works Cover is great if you’d like to keep your dog in top shape with frequent check-ups and the best treatment available. This covers up to 80% of eligible vet bills with a $20,000 annual limit.3
  • Big Stuff Cover is made for large vet bills above $1,000. This covers up to 90% of your dog’s eligible treatment costs, all the way up to $25,000 a year.3 There are also no limits on consultations or cruciate ligament conditions, which means you can take your dog to the vet as many times as you’d like without worrying about the cost of surgeries or other major procedures.


  • Up to 90% of your dog’s eligible vet bills covered3
  • $25,000 annual limit
  • $1,000 excess
  • Available for dogs or puppies over 8 weeks of age
  • Unlimited vet visits every year up to the specified benefit limits

  • Up to 70% of your dog’s eligible vet bills covered3
  • $11,000 annual limit
  • No excess
  • Available for dogs or puppies over 8 weeks of age

  • Up to 80% of your dog’s eligible vet bills covered3
  • $20,000 annual limit
  • No excess
  • Available for dogs or puppies between 8 weeks and 9 years of age

Top features

Every SPCA Pet Insurance policy covers your dog for both injuries and illnesses, which includes things like:

  • cuts, bites, or other wounds
  • trauma (such as a fall or car accident)
  • bone fractures
  • snake or insect bites
  • cancer or other common diseases
  • joint conditions such as hip dysplasia, intervertebral disc disease, and arthritis
  • gastrointestinal problems (vomiting, diarrhea, constipation etc)
  • skin conditions
  • surgical treatment if your dog swallows a dangerous object

Common dog ailments

Although every animal is different, common conditions among dogs include4

  • ear infections
  • gastrointestinal issues
  • cancer
  • diabetes
  • kennel cough

The table below shows the health concerns that dog owners in New Zealand think are most important. Keep in mind that this data is based on the individual concerns of other owners – your dog’s own health might be different.

You might be able to claim on vet bills for some of these but it’s always important to check what’s covered under each policy first.

ConcernPercentage of dog owners5
Worming treatments94.9%
Micro-chipping94.7%
Keeping vaccinations up to date91.3%
Flea treatments90.8%
Regular health checks85.1%
Desexing83.2%
Weight concerns as indicated by the appearance of hips, spine, and ribs78%
Specialised diets or nutrition from the vet27%


Settling your dog insurance claim

Making a claim for your dog’s treatment is easy when you’re with SPCA Pet Insurance. You can claim online at any time using our claims portal – it’s the easiest part of dealing with a sick dog!

Stethoscope

Your dog's treatment

Pay your vet bill as usual when your dog receives treatment

Checkboard with pen

Submit your paperwork

To make a claim, you’ll need to provide a copy of the itemised invoice from the vet

Hand holding paper money

Receiving your payment

We’ll pay your eligible claim within 1-2 business days once approved, so you can focus on looking after your dog

The payment you receive after making a claim will be based on your level of cover. If there are any exclusions, waiting periods, or limits under your policy, these might affect the amount you receive.

Here are some examples of how claims are calculated depending on your level of cover.

Big Stuff Cover

FeaturesAmount
Total cost of vet bill$5,000
Amount you can claim (90%)$4,500
Excess payable$1,000
Your out-of-pocket expense$1,500

Everyday Cover

FeaturesAmount
Total cost of vet bill$300
Amount you can claim (70%)$210
Your out-of-pocket expense$90

The Works Cover

FeaturesAmount
Total cost of vet bill$850
Amount you can claim (80%)$680
Your out-of-pocket expense$170

Dog insurance Frequently Asked Questions

Can my dog be insured if it has pre-existing conditions?

Yes, you can still apply if your dog has pre-existing health conditions, however if your dog has existing conditions that require medical treatment or ongoing medication and you take out a new policy, these will generally be considered pre-existing conditions and may be permanently excluded from cover. You can apply to have a pre-existing condition exclusion reviewed by downloading a copy of the pre-existing condition review form.

  1. New Zealand Companion Animal Trust Research Study – NZCAT
  2. Companion Animals in New Zealand 2016 Report – NZ Companion Animal Council
  3. Pre-existing conditions are excluded. Limits, sub-limits and annual condition limits may apply.
  4. New Zealand Companion Animal Trust Research Study – NZCAT
  5. Common dog diseases – ASPCA

Get covered in minutes

Start protecting your pet in just a few minutes by getting a quick quote now or call 0800 812 0200800 812 020. We’re here Monday to Friday between 8am and 8pm.