{
  "vertical": "pet",
  "insurer": {
    "slug": "southern-cross-pet",
    "name": "Southern Cross Pet Insurance",
    "brand_family": "southern-cross"
  },
  "product": {
    "slug": "accipet",
    "name": "AcciPet (Accident-only)",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2023-12-01",
    "ingested_at": "2026-05-18T01:50:01.444201+00:00",
    "pdf_hash": "b15ea7d75535c8fc929bf782188a339f46fa52076f67ba7920bfb50719ade50c",
    "source_url": "https://www.southerncross.co.nz/society/-/media/Southern-Cross-Pet-Insurance/Member-collateral/Plan-documents/Policy-docs/AcciPet-Policy-Doc.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "Pre-existing conditions",
      "Transport and boarding (such as in a kennel or cattery)",
      "Cages, equipment, and devices, except dog or cat cones (Elizabethan collars)",
      "Voluntary euthanasia of your pet (where you choose to have your pet put down for non-medical reasons or due to behavioural or psychological conditions), or euthanasia due to any pandemic disease",
      "Disposal, post-mortem, burial or cremation",
      "Alternative treatment (acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy or treatments of a similar nature)",
      "Behavioural or psychological conditions (anxiety disorders, depression, aggression, excessive barking) and related treatment",
      "Complications from treatment we don't cover",
      "Vet consultation fees (unless consult care extra is added)",
      "Cosmetic treatment (tail docking, ear cropping, tattooing, dewclaw removal except where required due to accidental injury)",
      "Degenerative injuries, such as injuries caused by arthritis or osteoporosis",
      "Dental care (except where caused by accidental injury, and excluding dental injury from eating or chewing an object)",
      "Extended hospitalisation beyond what is medically necessary",
      "Extra vet fees for policy administration, information, postage or couriers",
      "Failure to protect your pet from accidental injury or worsening of a treated accidental injury",
      "Fighting costs if your pet has a history of fighting before the policy start date",
      "Illness, sickness or disease, including degenerative disease",
      "International treatment (treatment received outside New Zealand)",
      "Medication covering a period more than 40 days after your policy ends",
      "Parasites inside or outside your pet (worms, ticks, fleas, skin mites)",
      "Prescription pet foods and supplements",
      "Organ transplant surgery",
      "Joint replacements",
      "Cell replacement therapies, including stem-cell therapy",
      "Artificial limbs, implants, and prosthetics",
      "Treatment provided by the owner (unless the owner is a vet or registered vet nurse)",
      "Treatment of an undiagnosed health condition that is similar to an excluded health condition where treatment is consistent with typical treatment of an excluded condition",
      "Pig hunting dogs",
      "Cruciate ligament and patella luxation accidental injuries occurring within the 90-day stand down period"
    ],
    "cover_types": [
      "Accident only"
    ],
    "dental_cover": "We cover dental treatment if your pet requires it because of an accidental injury. However, we won't cover dental treatment from an accidental injury that results directly from your pet eating or chewing an object. We don't cover treatment for dental care generally.",
    "co_pay_percent": "10%, 20%, or 30% — policyholder selects one option; co-payment is deducted from eligible claim amount after excess is applied.",
    "species_covered": [
      "dog",
      "cat"
    ],
    "behavioural_cover": "We don't cover any behavioural or psychological conditions, which are things like anxiety disorders, depression, aggression, excessive barking. We also don't cover treatment related to behavioural or psychological conditions, such as products or medications, training, socialisation, behavioural therapy, psychological therapy.",
    "annual_benefit_nzd": 5000,
    "excess_options_nzd": [
      100,
      250,
      500
    ],
    "multi_pet_discount": "5% additional pet discount available (specific terms at southerncrosspet.co.nz/discounts-terms-conditions).",
    "pre_existing_rules": "A pre-existing condition is a health condition, behaviour, sign, symptom, or event relating to or resulting from an accidental injury that your pet had and that you knew about (or should reasonably have known about) before your policy start date, or during the relevant stand down period. Any accidental injury related to a pre-existing condition is excluded, including where a pre-existing condition is the underlying cause, associated with, or otherwise related to the accidental injury. If a pre-existing condition affects a body part the pet has more than one of (e.g. a leg) and increases the risk of the other body part being injured, the same accidental injury in the other body part is also treated as a pre-existing condition and excluded, even if it occurs after the policy start date.",
    "entry_age_min_months": 2,
    "waiting_periods_days": {
      "patella_luxation": 90,
      "cruciate_ligament": 90
    },
    "renewal_age_cap_years": "No age cap stated — policy renews each year for a further 12 months unless either party cancels",
    "per_condition_limit_nzd": "A $2,500 sub-limit applies to qualifying treatment of cruciate ligament health conditions and any related health condition in any one policy period.",
    "alternative_therapy_cover": "We don't cover alternative treatment. Alternative treatments are: acupuncture, homeopathy, chiropractic manipulation, massage therapy, osteopathy (or treatments of a similar nature). We do cover hydrotherapy provided by a member of the New Zealand Association of Canine Hydrotherapists. Physiotherapy is covered as qualifying treatment.",
    "bilateral_conditions_rule": "We'll treat a health condition that affects more than one of the same body part as a pre-existing condition. This applies if your pet has a pre-existing condition that affects a body part that it has more than one of, like a leg, and it increases the risk of the other body part being injured. If the other body part has the same accidental injury, we'll treat it as a pre-existing condition and exclude it from cover under your policy. We'll do this even if the condition occurs in the other body part after the policy start date. This exclusion only applies if the pre-existing health condition increases the risk of another injury in future. It does not apply to accidental injuries that are isolated incidents and which don't increase the risk of the same injury occurring in another body part."
  },
  "endpoints": {
    "summary": "/api/product/southern-cross-pet/accipet/summary.md",
    "wording": "/api/product/southern-cross-pet/accipet/wording.md",
    "history": "/api/product/southern-cross-pet/accipet/history.json"
  },
  "canonical_url": "https://petinsurancecomparison.co.nz/api/product/southern-cross-pet/accipet/facts.json",
  "generated_at": "2026-05-18T08:27:32.180Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}