SPCA Pet Insurance in New Zealand : Indepth Review 2025
Our expert's opinion on SPCA
SPCA Pet Insurance is a respected New Zealand provider, offering pet insurance for dogs and cats through its Everyday Cover, with a strong emphasis on community support via SPCA funding. The single plan features a generous annual benefit limit of $11,000 with 70% reimbursement of eligible vet expenses, no deductible, a $2,000 per-condition annual limit, and defined sub-limits for consultation and boarding, putting its coverage above many low-cost providers but with more exclusions than premium competitors. No wellness allowances or optional add-ons are available, and pricing transparency is limited as quotes are customised and unpublished. SPCA is especially well-suited for young or middle-aged pets with no pre-existing conditions, for owners seeking manageable, mid-range cover with straightforward claims for both accidents and illnesses. SPCA Pet Insurance is underwritten by Hollard and administered by PetSure NZ, both leaders in Australasian insurance; while no Trustpilot data exists, Feefo reports an excellent 4.6/5 rating from 628 reviews, with most claims processed quickly and positively cited for service quality.
- ✅$11,000 annual cover limit per pet
- ✅No policy excess (deductible) on claims
- ✅Lifetime cover if renewed continuously
- ✅10% multi-pet discount available
- ✅Strong customer reviews: Feefo 4.6/5 (628 reviews)
- ✅Simple digital claims via web portal
- ✅Fast, helpful customer service
- ❌Fixed 70% reimbursement; no option to increase
- ❌Strict exclusions for pre-existing and routine care
- ❌Sub-limits: $2,000/condition, $300 consults
- ❌No wellness, dental, or alternative therapy cover
- ❌No pricing advertised; quotes only by request
Our expert's opinion on SPCA
- ✅$11,000 annual cover limit per pet
- ✅No policy excess (deductible) on claims
- ✅Lifetime cover if renewed continuously
- ✅10% multi-pet discount available
- ✅Strong customer reviews: Feefo 4.6/5 (628 reviews)
- ✅Simple digital claims via web portal
- ✅Fast, helpful customer service
- ❌Fixed 70% reimbursement; no option to increase
- ❌Strict exclusions for pre-existing and routine care
- ❌Sub-limits: $2,000/condition, $300 consults
- ❌No wellness, dental, or alternative therapy cover
- ❌No pricing advertised; quotes only by request
Score- ✅$11,000 annual cover limit per pet
- ✅No policy excess (deductible) on claims
- ✅Lifetime cover if renewed continuously
- ✅10% multi-pet discount available
- ✅Strong customer reviews: Feefo 4.6/5 (628 reviews)
- ✅Simple digital claims via web portal
- ✅Fast, helpful customer service
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million Kiwis trust us each month to guide them in their most important financial decisions.
SPCA Guarantees
SPCA Pet Insurance in New Zealand offers the “Everyday Cover” plan, which provides up to $11,000 annual benefit per pet, reimbursing 70% of eligible accident and illness vet expenses with no excess and a $2,000 limit per condition per year.
The policy covers a comprehensive range of illnesses and specified accidents, includes a $1,000 emergency boarding benefit, travel cover for pet emergencies in Australia or Norfolk Island, and lifetime renewability if continuously held.
Key advantages include straightforward claims, the absence of a deductible, multi-pet discounts, and the ability to have temporary pre-existing conditions reconsidered after 18 months symptoms-free.
Major exclusions encompass most routine care, hereditary and congenital issues if pre-existing, most dental treatments, preventative care, elective procedures, and any condition symptomatic before cover or during waiting periods.
Pricing and claim frequency limits are N.C.; there is a sub-limit of $300 for consultation fees and a 21-day waiting period for illnesses.
Compare multiple pet insurance plans to find the best value and the most suitable coverage for your pet’s needs.
👉 Compare the best pet insurance online.I compareSPCA Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Accident or injury exclusions |
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| Procedural and equipment exclusions |
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| Geographic exclusions |
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| Identification/legal exclusions |
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| Infectious disease exclusions |
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| Bilateral and hereditary exclusions |
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- Pre-existing conditions (unless temporary and symptom-free for 18+ months and accepted after review)
- Routine, preventative, and elective treatments (including vaccinations, check-ups, flea/tick/worm control, microchipping, grooming, prescription or regular food, supplements)
- Unlicensed or non-approved medications, medicines covering more than 30 days
- Training, socialisation, behavioural or alternative therapies (acupuncture, hydrotherapy, homeopathy, physiotherapy, laser, stem cell, platelet-rich plasma)
- Genetic or chromosome testing, experimental procedures
- Dental procedures/diseases (all except tumour-related)
- All expenses relating to complications of excluded treatments/conditions
- Certain injuries are not included (see below and General Conditions)
- Toxicity, ingestion of foreign objects, patella luxation, elbow or hip dysplasia, IVDD, and desexing complications are not covered as accidental injury (illness cover only, subject to waiting periods and condition limits)
- Prosthetics, organ transplants, artificial limbs, pacemakers, open heart surgery, wheelchairs, external fixtures
- Cosmetic/elective procedures (nail clipping, dew claw removal, tail docking, debarking, ear cropping, hip/elbow scoring)
- Desexing, breeding, obstetrics, and elective surgery except for specific treatment of certain organs
- Treatment outside New Zealand (except for Australia and Norfolk Island, up to 60 days under standard cover)
- Permanent residence outside New Zealand
- Claims relating to organized fighting or hunting
- Gross negligence or lack of reasonable precautions
- Consequential loss (i.e., anything except actual vet costs)
- Declared epidemics or pandemics affecting pets
- Quarantine-associated treatment or costs
- Bilateral conditions: both sides excluded if either side was symptomatic pre-policy or during waiting period
- Hereditary/congenital conditions are permanently excluded if symptomatic pre-policy or during waiting period and remain excludable once excluded
SPCA Prices
SPCA has a mid-range pricing position in the New Zealand pet insurance market, balancing moderate premiums with coverage that is competitive but not the most comprehensive.
Reimbursement sits at 70% with no deductible, which is attractive compared to some providers, but annual and condition-specific caps, as well as notable exclusions, limit extreme high-cost cover.
Unlike pure digital competitors, SPCA's platform does not market itself as a low-cost, fully digital offering, and claims/service experience is reflective of the broader market.
Its major strength is supporting the charity mission of the SPCA, rather than delivering the absolute highest reimbursement or coverage options available.
Overall, SPCA suits customers seeking straightforward, dependable protection from a recognised organisation, but price-sensitive owners or those wanting higher reimbursements and fewer exclusions may find more suitable alternatives.
| Everyday Cover | |
|---|---|
| Young cat (2–4 years) | $21–$26/month |
| Senior cat (7–8 years) | $29–$35/month |
| Small breed dog (2–4 years) | $28–$34/month |
| Senior dog (7–8 years) | $42–$49/month |
| Large breed dog (2–4 years) | $36–$46/month |
Compare personalised quotes from several pet insurers to find the best coverage and price for your pet’s needs.
👉 Compare the best pet insurance online.I compareSPCA Promo Codes
| SPCA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed by SPCA?
With SPCA’s top-tier “Everyday Cover” plan, you can claim 70% of eligible vet bills back, with no annual deductible and generous annual limits, making out-of-pocket costs easy to predict and often much lower than expected.
✅ Example 1: Fractured leg surgery (dog)
Total vet costs: $2,100 (consultation, X-rays, surgery, pain meds, post-op care)
Deductible amount to subtract: $0 (no excess applies)
Amount reimbursed at 70%: $2,100 × 70% = $1,470
👉 You receive a reimbursement of $1,470.
ℹ️ The remaining out-of-pocket cost to you is $630. This claim counts toward the $2,000 annual condition limit and $11,000 overall limit.
✅ Example 2: Ear infection (cat)
Total vet costs: $250 (consultation, diagnostic tests, medication)
Deductible amount to subtract: $0 (no excess applies)
Amount reimbursed at 70%: $250 × 70% = $175
👉 You receive a reimbursement of $175.
ℹ️ You pay only $75 out-of-pocket. Multiple, unrelated illnesses can each be claimed up to $2,000 per year, subject to annual overall policy cap.
✅ Example 3: Emergency boarding (dog owner hospitalised)
Total vet costs: $500 (emergency kennel stay and care)
Deductible amount to subtract: $0 (no excess applies)
Amount reimbursed at 70%: $500 × 70% = $350
👉 You receive a reimbursement of $350.
ℹ️ Emergency boarding is covered up to $1,000 per year if no other household member can care for your pet.
SPCA Assistance
| Assistance SPCA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | No mobile app is currently offered. No customer ratings are available for app stores. |
| Paperless claims process | ✅ | Claims can be submitted via an online portal. Supporting documents can be uploaded digitally. No manual or postal claim processing is required. |
| Emergency vet service | ❌ | No 24/7 emergency veterinary line, hotline, or teleconsultation service is provided. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ✅ | The pet is insured for treatment in Australia and Norfolk Island for up to 60 days per trip. Standard cover applies abroad and is paid in NZD. |
Customer Reviews on SPCA
| Review platform | Rating and number of reviews |
|---|---|
| Feefo | 4.6/5 (628 reviews) |
We analysed reviews from the sites listed above.
On the positive side, customers who subscribed to SPCA for their pets often mention:
- A responsive and friendly customer service: support staff are regularly praised for their helpfulness and ability to resolve queries quickly.
- A very easy and seamless claims process: users report that submitting claims online is simple, and reimbursements are processed swiftly.
- A clear and understandable policy wording: many customers appreciate that coverage terms and claim procedures are straightforward and transparent.
- A strong sense of supporting a good cause: some policyholders value that their premiums help fund SPCA’s animal welfare work.
On the negative side:
- A few customers mention coverage sub-limits as a frustration, especially for consultations and high-cost conditions.
- A small number of users report dissatisfaction with exclusions around routine and pre-existing conditions.
- An occasional comment highlights increases in premiums upon renewal.
- Some customers mention they would like more options for additional cover or wellness benefits.
Contact the SPCA
| SPCA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via the SPCA Pet Insurance customer portal (https://spcapetinsurance.co.nz/portal). Provide your completed claim form, copies of itemised vet invoices, and supporting documents. You can also contact claims by phone at 0800 387 008 (Mon–Fri 8am–8pm) or by email at spca@petsure.nz. Approved claims are typically reimbursed by direct bank transfer; processing usually takes a few business days after receipt of all documents. |
| To obtain a certificate of insurance | Contact SPCA by email at spca@petsure.nz or by phone at 0800 387 008 (Mon–Fri 8am–8pm) to request your certificate. You may be asked to provide your policy number and identification. |
| To contact assistance | For customer and claims assistance related to your policy, phone 0800 387 008 (Mon–Fri 8am–8pm) or email spca@petsure.nz. No dedicated emergency or telehealth line is available beyond standard customer service; use the portal for most queries. |
| To cancel my policy | Contact SPCA by phone (0800 387 008, Mon–Fri 8am–8pm) or email (spca@petsure.nz). Provide your policy number and personal details. A written request may be required. No minimum notice period stated in the policy; cover typically ends at midnight on the day of cancellation notice. |
Provide your completed claim form, copies of itemised vet invoices, and supporting documents.
You can also contact claims by phone at 0800 387 008 (Mon–Fri 8am–8pm) or by email at spca@petsure.nz.
Approved claims are typically reimbursed by direct bank transfer; processing usually takes a few business days after receipt of all documents.
You may be asked to provide your policy number and identification.
No dedicated emergency or telehealth line is available beyond standard customer service; use the portal for most queries.
Provide your policy number and personal details.
A written request may be required.
No minimum notice period stated in the policy; cover typically ends at midnight on the day of cancellation notice.
FAQ
Do I have to pay upfront for veterinary fees with SPCA?
Yes, you must pay your vet upfront for treatment and then claim back 70% of eligible expenses from SPCA. SPCA does not provide an advance payment service or direct vet payment; reimbursement is made to you after your claim is processed. Keep your itemised invoices and complete a claim form via the portal or email. Payment is typically made by bank transfer once your claim is approved.
How do I cancel my pet insurance policy with SPCA?
To cancel, contact SPCA by phone at 0800 387 008 or by email at spca@petsure.nz with your policy details. No notice period is required, but a written request may be needed. Once processed, cover ends at midnight on the day of your cancellation request. You do not need to supply additional documents unless specifically requested.
What does SPCA pet insurance cover?
SPCA pet insurance provides 70% reimbursement on eligible vet expenses due to accident or illness, including major health issues like cancer, foreign objects, or hereditary conditions (if not pre-existing). Cover includes a $2,000 annual limit per condition and $11,000 per policy year, with some sub-limits and waiting periods. Routine or preventive care (like vaccines or flea treatments) is not covered. There is no excess or deductible to pay for claims under the Everyday Cover plan.
Are pre-existing conditions covered?
Pre-existing conditions are generally excluded from all SPCA policies. However, if a pre-existing condition is "temporary" and your pet has been symptom-free for at least 18 months, you can apply to have it reviewed for potential future cover. Chronic and some hereditary or congenital conditions that appeared before cover or during waiting periods will remain excluded. Always review your certificate and policy documents for the specifics about exclusions.
Does SPCA pet insurance cover treatment while travelling overseas?
Yes, SPCA pet insurance covers eligible vet expenses if your pet is sick or injured while travelling with you in Australia or Norfolk Island, up to your plan's limits. Cover is valid for trips up to 60 days and uses New Zealand dollars for all claims. The claim process and sub-limits remain the same as if treatment occurred in New Zealand. Treatments outside these countries or for longer stays are not covered.
How do I make a claim and how long does reimbursement take?
Submit your claim online via the SPCA portal or by email, including itemised vet invoices and a completed claim form. Claims are typically processed swiftly, with reimbursement paid directly to your bank account once approved. Most claims are settled within a few business days, although times may vary depending on the complexity or documentation provided. Claims support is also available by phone during business hours if you need help.
Do I have to pay upfront for veterinary fees with SPCA?
Yes, you must pay your vet upfront for treatment and then claim back 70% of eligible expenses from SPCA. SPCA does not provide an advance payment service or direct vet payment; reimbursement is made to you after your claim is processed. Keep your itemised invoices and complete a claim form via the portal or email. Payment is typically made by bank transfer once your claim is approved.
How do I cancel my pet insurance policy with SPCA?
To cancel, contact SPCA by phone at 0800 387 008 or by email at spca@petsure.nz with your policy details. No notice period is required, but a written request may be needed. Once processed, cover ends at midnight on the day of your cancellation request. You do not need to supply additional documents unless specifically requested.
What does SPCA pet insurance cover?
SPCA pet insurance provides 70% reimbursement on eligible vet expenses due to accident or illness, including major health issues like cancer, foreign objects, or hereditary conditions (if not pre-existing). Cover includes a $2,000 annual limit per condition and $11,000 per policy year, with some sub-limits and waiting periods. Routine or preventive care (like vaccines or flea treatments) is not covered. There is no excess or deductible to pay for claims under the Everyday Cover plan.
Are pre-existing conditions covered?
Pre-existing conditions are generally excluded from all SPCA policies. However, if a pre-existing condition is "temporary" and your pet has been symptom-free for at least 18 months, you can apply to have it reviewed for potential future cover. Chronic and some hereditary or congenital conditions that appeared before cover or during waiting periods will remain excluded. Always review your certificate and policy documents for the specifics about exclusions.
Does SPCA pet insurance cover treatment while travelling overseas?
Yes, SPCA pet insurance covers eligible vet expenses if your pet is sick or injured while travelling with you in Australia or Norfolk Island, up to your plan's limits. Cover is valid for trips up to 60 days and uses New Zealand dollars for all claims. The claim process and sub-limits remain the same as if treatment occurred in New Zealand. Treatments outside these countries or for longer stays are not covered.
How do I make a claim and how long does reimbursement take?
Submit your claim online via the SPCA portal or by email, including itemised vet invoices and a completed claim form. Claims are typically processed swiftly, with reimbursement paid directly to your bank account once approved. Most claims are settled within a few business days, although times may vary depending on the complexity or documentation provided. Claims support is also available by phone during business hours if you need help.
