SPCA Pet Insurance Review 2025
Award-Winning • Up to 90% Coverage • Supports Animal Welfare
SPCA Pet Insurance offers award-winning coverage with the highest reimbursement percentage in New Zealand. As an official partner of the Royal New Zealand SPCA, your policy helps support animal welfare and prevention of cruelty throughout the country.
Coverage Options
Everyday Cover
Entry-level coverage for basic vet costs
- Up to 70% coverage
- $15,000 annual limit
- $2,000 condition limit*
The Works Cover
Mid-tier comprehensive coverage
- Up to 80% coverage
- $20,000 annual limit
- No condition limits
Big Stuff Cover
90% coverage - highest in NZ
- 90% coverage
- $25,000 annual limit
- Enhanced cancer coverage
Everyday Cover Limitation
The Everyday Cover has a $2,000 annual condition limit, meaning once you've claimed $2,000 for any specific condition in a policy year, no further claims for that condition will be covered. Consider The Works or Big Stuff Cover for ongoing conditions.
Why Choose SPCA Pet Insurance?
Award-Winning
Winner of Canstar's Most Satisfied Customers Award 2024, with 5-star ratings across all categories including value for money, customer service, and claims experience.
Highest Coverage
Up to 90% coverage on eligible vet bills - the highest coverage percentage available in New Zealand's pet insurance market. Get back more of your vet costs.
Multi-Pet Savings
10% discount for every additional cat or dog you insure - one of the most generous multi-pet discounts in the New Zealand market. Great for families with multiple pets.
Supports Animal Welfare
Official SPCA partner - your policy helps support the SPCA's vital work in protecting animals and preventing cruelty throughout New Zealand. Feel good about your insurance choice.
Get Your SPCA Pet Insurance Quote
Award-winning coverage that supports animal welfare