{
  "vertical": "pet",
  "insurer": {
    "slug": "spca-pet",
    "name": "SPCA Pet Insurance",
    "brand_family": "spca-pet"
  },
  "product": {
    "slug": "big-stuff",
    "name": "Big Stuff Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-17",
    "ingested_at": "2026-05-17T21:44:15.468242+00:00",
    "pdf_hash": "a604ea79fd13a435774f9d02c87d3965ec82d0ea6bfc952ddc369f911fbd8121",
    "source_url": "https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-big-stuff-cover-policy-document.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "Pre-existing Conditions",
      "Food (regular or prescription), vitamins/nutraceuticals/supplements, vaccinations, health checks, routine Consultations, microchipping, flea/tick/worm control, grooming and bathing of your Pet, and nonmedicated grooming products",
      "Medicated baths and shampoos, unless your Vet deems them medically necessary to treat a Condition Covered by your Policy",
      "Accessories including but not limited to pill poppers, cage hire, crates, bedding, and collars",
      "Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy",
      "Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances",
      "Cell-replacement therapies including (but not limited to) stem cell therapy and platelet-rich plasma",
      "Medication not approved or registered for animal consumption in New Zealand by the Ministry of Primary Industries or the Veterinary Council of New Zealand",
      "The provision of medication(s) that Cover a period of more than 30 days beyond the Policy End Date",
      "Chemical castration, suprelorin implants or other desexing procedures, unless required to treat your Pet's reproductive organs due to inflammation, infection, or cancer",
      "Breeding or obstetrics",
      "Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease (with the exception of oral tumours)",
      "Transport or boarding expenses other than those listed in the Emergency boarding Additional Benefit section",
      "Ambulance fees and non-essential hospitalisation",
      "Genetic/chromosome testing",
      "Pre-anaesthetic blood tests",
      "Any trial or experimental procedures and Treatments",
      "Organ transplant surgery, open heart surgery, artificial limbs, mitral valve, and chordae tendineae replacement surgery and pacemakers",
      "External fixtures (such as wheelchairs)",
      "Prosthetics (including but not limited to hip replacements and elbow replacements)",
      "3D printing",
      "Cosmetic procedures, hip/elbow scoring, nail clipping, declawing, dew claw removal and ear cropping",
      "Tail docking and debarking",
      "Gross negligence by you or your failure to take all reasonable precautions to protect your Pet, including your Pet participating in organised fighting and hunting activities",
      "Any consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses you may incur to prove or assist us with your claim",
      "Any declared widespread epidemic or pandemic disease that affects dogs or cats",
      "Any flea/tick/worm preventative treatments or measures",
      "Conditions resulting from external parasites such as ticks, fleas or skin/ear mites, patella luxations, elbow dysplasia, hip dysplasia, toxicity, ingestion of a foreign object, intervertebral disc disease (IVDD) and desexing procedure complications under Accidental Injury Cover",
      "Expenses in relation to Policy exclusions or related complications/adverse reactions of an exclusion"
    ],
    "cover_types": [
      "Big Stuff Cover"
    ],
    "dental_cover": "Excluded. Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease (with the exception of oral tumours) are not covered. Dental Treatment is also excluded under Accidental Injury Cover.",
    "co_pay_percent": "10% — Benefit Percentage is 90% of eligible Vet Expenses; you are responsible for the remaining 10% plus the Excess",
    "species_covered": [
      "dog",
      "cat"
    ],
    "behavioural_cover": "Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are not covered.",
    "annual_benefit_nzd": 25000,
    "excess_options_nzd": [
      1000
    ],
    "pre_existing_rules": "A Condition that existed or occurred prior to the Commencement Date of the first Policy Period or within any applicable Waiting Period, of which you or your Vet were aware or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative Condition has been diagnosed. A Pre-existing Condition also includes a Related Condition or Bilateral Condition of a Pre-existing Condition. After the end of any applicable Waiting Period, a Condition will no longer be considered a Pre-existing Condition if it is a Temporary Condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date. Chronic Conditions and several other specified Conditions cannot fall within the category of Temporary Condition and will always be excluded from Cover.",
    "entry_age_min_months": 2,
    "waiting_periods_days": {
      "illness": 21,
      "accident": 0,
      "cruciate_ligament": 183,
      "emergency_boarding": 0
    },
    "renewal_age_cap_years": "Cover continues for life provided the Policy is renewed without a break in Cover and we continue to provide this product",
    "boarding_kennel_benefit": "We will pay you 90% up to the emergency boarding Annual Sub-limit of $1,500 per Policy Period for the cost of boarding your Pet at a licensed kennel or cattery if you are hospitalised for one or more consecutive days during the Policy Period (excluding hospitalisation for cosmetic or elective surgery, pregnancy unless due to unexpected complication, or any sickness known or foreseeable prior to the Commencement Date), or if you require emergency accommodation due to family violence. Not payable if someone else living with you can reasonably be expected to look after your Pet. No Waiting Period applies. The Excess applies per Condition per Policy Period.",
    "per_condition_limit_nzd": "No separate per-condition limit; the $1,000 Excess is applied per Condition per Policy Period against the overall Annual Benefit Limit of $25,000",
    "alternative_therapy_cover": "Excluded. Training, socialisation, therapy, and alternative therapies including (but not limited to) homeopathic remedies, acupuncture, laser therapy, hydrotherapy, chiropractic Treatments and/or physiotherapy are not covered.",
    "bilateral_conditions_rule": "Any Condition affecting body parts of which the Pet has at least two, one on each side of the body (e.g. ears, eyes, knees and elbows). When applying a Benefit Limit or exclusion, a Bilateral Condition will be considered a single Condition. Example: If your Pet has had elbow dysplasia in the left elbow prior to the Commencement Date of the first Policy Period you are insured with us or during the applicable Waiting Period, which falls within the definition of Pre-existing Condition, subsequent elbow dysplasia in the right elbow will still be considered a Pre-existing Condition.",
    "hereditary_congenital_rules": "Hereditary Conditions and congenital Conditions will not be considered a Pre-existing Condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the Commencement Date of the first Policy Period or during any applicable Waiting Period. They are listed as examples of Illnesses Covered under Illness Cover (excluding those hereditary and congenital Conditions that fall within the definition of a Pre-existing Condition)."
  },
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    "wording": "/api/product/spca-pet/big-stuff/wording.md",
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  "generated_at": "2026-05-18T08:27:32.151Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}