Does pet insurance cover cancer treatment in dogs?

Yes, most NZ pet insurance policies cover cancer treatment including chemotherapy, radiation, and surgery if not pre-existing. Costs can reach $15,000+.

Cancer in Dogs: Symptoms, Treatment & Insurance Coverage NZ 2025

Cancer is the leading cause of death in dogs over 10 years old in New Zealand. Understanding the signs, treatment options, and insurance coverage can help you provide the best care for your pet.

Common Types of Canine Cancer

• Lymphoma (most common, affects lymph nodes)
• Mast Cell Tumors (skin cancer)
• Osteosarcoma (bone cancer, common in large breeds)
• Hemangiosarcoma (blood vessel cancer)
• Melanoma (mouth and skin)

Warning Signs

• Abnormal lumps or swellings that grow
• Sores that don't heal
• Weight loss and loss of appetite
• Difficulty eating or swallowing
• Persistent lameness or stiffness
• Difficulty breathing or urinating

Treatment Costs in NZ

Diagnosis & Testing: $500-$2,000

Biopsy, blood tests, X-rays, ultrasound, CT/MRI scans

Surgery: $2,000-$8,000

Tumor removal, amputation for bone cancer

Chemotherapy: $3,000-$10,000

Multiple sessions over 4-6 months

Radiation Therapy: $5,000-$8,000

Daily treatments over 3-4 weeks

Pet Insurance Coverage

Most comprehensive pet insurance policies in NZ cover cancer treatment if it's not a pre-existing condition. Coverage typically includes:

• SPCA Pet Insurance: Enhanced cancer coverage on Big Stuff plan, up to $25,000
• Southern Cross: Covers cancer treatment up to $15,000/year
• AA Pet Insurance: 80% coverage for cancer treatment
• PD Insurance: 100% coverage minus excess

Cancer in Dogs