{
  "vertical": "pet",
  "insurer": {
    "slug": "spca-pet",
    "name": "SPCA Pet Insurance",
    "brand_family": "spca-pet"
  },
  "product": {
    "slug": "the-works",
    "name": "The Works (Comprehensive)",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-17",
    "ingested_at": "2026-05-17T21:40:52.108357+00:00",
    "pdf_hash": "49534e510baa70c377a856750168743397c861dcfff1f6995504c21d06843734",
    "source_url": "https://www.spcapetinsurance.co.nz/documents/spca-pet-insurance-the-works-cover-policy-document.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "Pre-existing Conditions",
      "Related Conditions and Bilateral Conditions of a Pre-existing Condition",
      "Conditions arising within the applicable Waiting Period",
      "Any declared widespread epidemic or pandemic disease that affects dogs or cats",
      "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",
      "Consequential loss including (but not limited to) economic loss, loss of enjoyment, costs or expenses to prove or assist with a claim",
      "Expenses in relation to Policy exclusions or related complications/adverse reactions of an exclusion",
      "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",
      "Any amount if you or your Pet live permanently outside of New Zealand",
      "Claims where the Pet has been out of New Zealand for more than 60 consecutive days"
    ],
    "cover_types": [
      "The Works Cover (Comprehensive)",
      "Everyday Cover",
      "Big Stuff Cover"
    ],
    "dental_cover": "Excluded. Dental procedures, dental diseases, gingivitis, teeth fractures, teeth cleaning/scaling, orthodontics, removal of deciduous and any oral disease are not covered (with the exception of oral tumours). Additionally, any dental Treatment is excluded under Accidental Injury Cover.",
    "co_pay_percent": 20,
    "species_covered": [
      "dog",
      "cat"
    ],
    "behavioural_cover": "Excluded. Behavioural Conditions including (but not limited to) anxiety disorders, phobias, or chemical imbalances are listed as general exclusions.",
    "annual_benefit_nzd": 20000,
    "excess_options_nzd": [
      0
    ],
    "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_max_years": 9,
    "entry_age_min_months": 2,
    "waiting_periods_days": {
      "illness": 21,
      "accident": 0,
      "cruciate_ligament": 180
    },
    "renewal_age_cap_years": "Cover continues for life if renewed without a break: 'Once your Pet is accepted for Cover and as long as we continue to provide this product and you continue to hold the Policy without a break in Cover and renew your Policy, your Pet will be Covered for eligible Vet Expenses for life'",
    "boarding_kennel_benefit": "We will pay you 80% up to $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/elective surgery, pregnancy unless 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. There is no Waiting Period for emergency boarding.",
    "per_condition_limit_nzd": "No per-condition limit stated; Annual Sub-limits apply: $500 per Policy Period for Consultation fees; $4,000 per Policy Period for Cruciate Ligament Conditions; $4,000 per Policy Period for Intervertebral Disc Disease (IVDD); $1,500 per Policy Period for Emergency boarding",
    "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 listed as general exclusions.",
    "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. Hereditary and congenital Conditions 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."
  },
  "endpoints": {
    "summary": "/api/product/spca-pet/the-works/summary.md",
    "wording": "/api/product/spca-pet/the-works/wording.md",
    "history": "/api/product/spca-pet/the-works/history.json"
  },
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  "generated_at": "2026-05-18T08:27:32.248Z",
  "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz"
}