Last updated: 2 February 2026 | Independently verified by NZ pet insurance experts
SPCA Pet Insurance
Pet insurance that protects your pet while supporting animal welfare across New Zealand.
Monthly from (Essential)
SPCA Adoption Discount
Vet Bill Reimbursement
Supports Animal Welfare
Why Choose SPCA Pet Insurance?
SPCA Pet Insurance is the only NZ pet insurer that directly supports animal welfare. A portion of every premium funds SPCA's vital work rescuing, rehabilitating, and rehoming animals across New Zealand. If you've adopted from SPCA, you receive a 10% lifetime discount - rewarding you for giving an animal a second chance.
Supports Welfare
Premiums fund SPCA work
Adoption Discount
10% off for SPCA adoptees
All Breeds Welcome
No breed restrictions
7-Day Claims
Quick processing time
SPCA Insurance Plans
Essential Care
Waiting period: 48 hours accidents, 21 days illness
What's Covered:
- ✓ 80% back on eligible vet bills
- ✓ Accident coverage (from 48 hours)
- ✓ Illness coverage (from day 22)
- ✓ Surgery and hospitalization
- ✓ Diagnostic tests
- ✓ Emergency care
- ✓ Prescription medications
- ✓ Specialist referrals
- ✓ Euthanasia costs
Not Included:
- ✗ Dental illness
- ✗ Alternative therapies
- ✗ Routine care
- ✗ Behavioral treatments
Premium Care
Waiting period: 48 hours accidents, 21 days illness
What's Covered:
- ✓ 80% back on eligible vet bills
- ✓ All Essential Care features
- ✓ Dental illness coverage
- ✓ Alternative therapies
- ✓ Behavioral treatments
- ✓ Routine care benefits ($150)
- ✓ Microchipping coverage
- ✓ Vaccination contribution
- ✓ Third party liability
Not Included:
- ✗ Pre-existing conditions
- ✗ Breeding costs
- ✗ Cosmetic procedures
Real Claim Examples
| Condition | Vet Cost | SPCA Pays | You Pay | Note |
|---|---|---|---|---|
| Broken Leg Surgery | $3,200 | $2,560 | $640 + excess | 80% reimbursement |
| Skin Allergy Treatment | $800 | $640 | $160 + excess | After 21-day wait |
| Dental Extraction | $950 | $760 | $190 + excess | Premium Care only |
| Emergency Surgery | $4,500 | $3,600 | $900 + excess | After 48-hour wait |
SPCA vs Other NZ Providers
| Feature | SPCA | Southern Cross | PD Insurance |
|---|---|---|---|
| Annual Limit | $11,000 | $15,000 | $20,000 |
| Reimbursement | 80% | 80% | 80% |
| Adoption Discount | 10% | No | No |
| Supports Charity | Yes | No | No |
| Routine Care | Yes ($150) | Yes ($200) | Yes ($300) |
| Breed Restrictions | None | None | None |
Pros
- ✓ Supports animal welfare
Only insurer funding SPCA work
- ✓ 10% adoption discount
Lifetime discount for SPCA adoptees
- ✓ No breed restrictions
All breeds welcome
- ✓ Affordable entry price
From $21.99/month
Cons
- ! Lower annual limits
$11K max vs $20K from PD
- ! No $0 excess option
Minimum $100 excess
- ! Smaller routine care benefit
$150 vs $300 from PD
- ! No direct vet payment
Must pay upfront and claim back
SPCA Pet Insurance FAQs
How does SPCA Pet Insurance support animal welfare?
A portion of every premium paid goes directly to SPCA NZ to fund their animal welfare work - rescuing, rehabilitating, and rehoming animals. By choosing SPCA Pet Insurance, you're protecting your pet while helping thousands of other animals in need.
What is the SPCA adoption discount?
If you've adopted your pet from any SPCA centre in New Zealand, you receive a 10% lifetime discount on your premium. Just provide your adoption certificate when signing up. This discount continues as long as you maintain continuous coverage.
Does SPCA Pet Insurance cover microchipping?
Yes, the Premium Care plan includes coverage for microchipping as part of routine care benefits. SPCA strongly advocates for microchipping - it's the most effective way to reunite lost pets with their families.
Are there any breed restrictions with SPCA?
No. SPCA Pet Insurance covers all breeds of cats and dogs, regardless of size or breed-specific health concerns. They believe all pets deserve quality healthcare coverage, which aligns with their animal welfare mission.
How does the SPCA claims process work?
Claims can be submitted online, via email, or through the portal. Upload your vet invoice, clinical notes, and claim form. Most claims are processed within 7 business days. Direct vet payments are available at some participating SPCA veterinary clinics.
What is the waiting period for SPCA coverage?
Accident coverage begins after 48 hours. Illness coverage starts after 21 days. Cruciate ligament conditions have a 6-month waiting period. These waiting periods are standard in the industry to prevent adverse selection.
Does SPCA have age limits for pet insurance?
Pets must be at least 8 weeks old to enroll. Dogs must be under 9 years and cats under 11 years for new policies. Once insured, pets can stay covered for life with no upper age limit.
What routine care is covered under Premium Care?
The $150 annual routine care benefit covers: vaccinations, annual health checks, flea/tick/worm treatments, dental cleaning, and desexing contribution. This resets each policy year.
Learn More About Pet Insurance
Get Your SPCA Quote
Protect your pet while supporting animal welfare across NZ