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★ Most Comprehensive
SPCA Pet Insurance
4.5/5(980 reviews)
SPCA Pet Insurance offers the highest annual benefit limit in NZ at $25,000 through their "Total Cover" plan — designed for unexpected major surgeries and serious illness. Every policy sold also supports SPCA's animal welfare work across New Zealand.
Get a Quote at SPCAFrom
$36/mo
Monthly premium
Up to
Up to $25,000
Annual limit
Excess
From $100
Per claim
Co-pay
None on top tier
After excess
Highest NZ annual limit ($25,000) — every policy supports SPCA animal welfare
Available Plans
Little Stuff Cover
From $24
Annual limit: $5,000
Excess: $250
Accidents & illnessVet consults70% reimbursement
Big Stuff Cover
From $36
Annual limit: $15,000
Excess: $150
Major surgeryCancer80% reimbursement
Total Cover
From $52
Annual limit: $25,000
Excess: $100
Highest limit90% reimbursementHereditary conditions
What's Covered
- $25,000 annual benefit limit — highest in NZ
- Up to 90% reimbursement on Total Cover tier
- Designed for large, unexpected surgeries
- 10% multi-pet discount
- Supports SPCA's animal welfare mission
- Hereditary conditions covered on Total Cover
Key Limitations
- Higher premiums on comprehensive plans
- Co-payment on lower-tier plans
- No direct vet billing
Waiting Periods
Accidents
0 days
Illness
14 days
Hereditary conditions
6 months
How to Make a Claim
Submit claims online or by post. SPCA aims to process claims within 5–10 business days.
🏥 Any registered NZ veterinarian accepted.
Ready to Get a Quote from SPCA?
Click through to get an instant online quote — no broker required.
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