Budget-conscious — essential cover only
Lowest premium that still covers the catastrophic events.
You want the cheapest policy that still protects against the financially-devastating events: major surgery, cancer, emergency vet. Cover-everything 'comprehensive' tiers can be 2-3× the price of accident+illness essentials tiers. Trade-off is higher excess, lower annual limits, and exclusions on chronic/everyday conditions.
Top policies for this scenario
Ranked by aggregate semantic match across 5 scenario-specific queries. Score reflects clause-level fit, not premium. We don't know what you'd pay — get a quote for the shortlist.
- score 1.68
#1 · SPCA Pet Insurance
Big Stuff Cover
Show matched clauses (4)
Query: "accident only cover tier" · similarity 55% · weight 0.8
Policy terms and conditions > Accident Cover > To qualify for Cover
To qualify for Cover under this section of the Policy, the Accident must have occurred during the Policy Period and be a consequence of or results in at least one of the following: - motor vehicle incident; - a burn or electrocution; - insect and arachnid bites; - a bone fracture; - a traumatic ligament or tendon injury; - a bite wound or fight wound abscesses; or - lacerations or abrasion of tis…
Source PDF →Query: "essentials basic tier inclusions exclusions" · similarity 48% · weight 0.9
Frequently asked questions > What exclusions exist?
As with most insurance products, there are certain situations in which you will not be Covered. There are some general exclusions such as Pre-existing Conditions, routine or preventative Treatments, some Elective Treatments and procedures and breeding or obstetrics Conditions or Treatments. Refer to 'Section 2 – General exclusions' on page 13 for further details.
Source PDF →Query: "annual benefit cap" · similarity 71% · weight 0.6
Policy terms and conditions > Illness Cover > Benefit Limits
Annual Benefit Limit of $25,000 applies.
Source PDF →Query: "cover for cancer chronic illness" · similarity 48% · weight 0.8
Policy terms and conditions > Illness Cover > What we will pay
We will pay you 90% for Vet Expenses incurred by you for Treatment provided during the Policy Period up to the Benefit Limits, as a result of your Pet suffering an Illness. You will be responsible for any Excess as shown on the applicable Certificate of Insurance. Examples of Illnesses Covered, subject to any Policy exclusions that may apply, include but are not limited to: - cancer Treatments; …
Source PDF → - score 1.61
#2 · Cove Pet Insurance
Cove Pet Insurance
Show matched clauses (4)
Query: "accident only cover tier" · similarity 56% · weight 0.8
4. Explanation of covers provided > Illness conditions
The following benefit will not apply if you have selected Accident Only cover as shown on your certificate of insurance.
Source PDF →Query: "essentials basic tier inclusions exclusions" · similarity 49% · weight 0.9
2. Key features of Cove pet insurance > C. Optional Covers
The following optional covers are offered for the Major + Minor plan only, as explained in section 4: - Dental illness - Everyday stuff
Source PDF →Query: "cover for cancer chronic illness" · similarity 45% · weight 0.8
2. Key features of Cove pet insurance > C. Optional Covers
The following optional covers are offered for the Major + Minor plan only, as explained in section 4: - Dental illness - Everyday stuff
Source PDF →Query: "excess co-pay percentage owner share" · similarity 51% · weight 0.7
7. Claims > Example of how claims will be settled where cover is provided:
A claim with a $1,000 excess and co-pay 10% | Item | Amount | |------|--------| | Total amount of eligible vet expenses | $5,000 | | Less excess | $1,000 | | Vet expenses less excess | $4,000 | | Less customer co-payment (10% x $4,000) | $400 | | Total amount payable as reimbursement by us | $3,600 | | You pay | $1,400 | ---
Source PDF → - score 1.61
#3 · SPCA Pet Insurance
The Works (Comprehensive)
Show matched clauses (4)
Query: "accident only cover tier" · similarity 55% · weight 0.8
SPCA Pet Insurance: The Works Cover > Accident Cover > To qualify for Cover
To qualify for Cover under this section of the Policy, the Accident must have occurred during the Policy Period and be a consequence of or results in at least one of the following: - motor vehicle incident; - a burn or electrocution; - insect and arachnid bites; - a bone fracture; - a traumatic ligament or tendon injury; - a bite wound or fight wound abscesses; or - lacerations or abrasion of tis…
Source PDF →Query: "essentials basic tier inclusions exclusions" · similarity 48% · weight 0.9
SPCA Pet Insurance: The Works Cover > Frequently asked questions > What exclusions exist?
As with most insurance products, there are certain situations in which you will not be Covered. There are some general exclusions such as Pre-existing Conditions, routine or preventative Treatments, some Elective Treatments and procedures and breeding or obstetrics Conditions or Treatments. Refer to 'Section 2 – General exclusions' on page 13 for further details.
Source PDF →Query: "cover for cancer chronic illness" · similarity 47% · weight 0.8
SPCA Pet Insurance: The Works Cover > Illness Cover > What we will pay
We will pay you 80% for Vet Expenses incurred by you for Treatment provided during the Policy Period up to the Benefit Limit, as a result of your Pet suffering an Illness. Examples of Illnesses Covered, subject to any Policy exclusions that may apply, include but are not limited to: - cancer Treatments; - skin Conditions; - eye/ear Conditions; - ingestion of a foreign object; - gastrointestinal …
Source PDF →Query: "annual benefit cap" · similarity 61% · weight 0.6
SPCA Pet Insurance: The Works Cover > Additional benefits
The following additional benefits are included in the Annual Benefit Limit and will provide benefits up to the specified Annual Sub-limits as shown on your Certificate of Insurance.
Source PDF → - score 1.56
#4 · AA Pet Insurance
AA Pet Insurance Policy
Show matched clauses (4)
Query: "accident only cover tier" · similarity 55% · weight 0.8
AA Pet Insurance Policy Document > Accident Cover > To qualify for cover
To qualify for **cover** under this section of the **policy**, the **accident** must: 1. be a direct consequence of at least one of the following: - a motor vehicle incident; - a burn or electrocution; - the following insect and arachnid bites: - ants; - bees; - flies; - mosquitoes; - spiders; and - wasps; or - a near drowning incident. or 2. result in:…
Source PDF →Query: "essentials basic tier inclusions exclusions" · similarity 43% · weight 0.9
AA Pet Insurance Policy Document > Section 3 – Pre-existing Conditions
We may exclude some pre-existing conditions. Please read this section carefully to fully understand what your pet is or is not covered for.
Source PDF →Query: "cover for cancer chronic illness" · similarity 47% · weight 0.8
AA Pet Insurance Policy Document > Illness Cover > Waiting period
There is a 14-day **waiting period** for **illness** **cover**. ---
Source PDF →Query: "annual benefit cap" · similarity 59% · weight 0.6
AA Pet Insurance Policy Document > Additional Benefits
The following additional benefits are included in the **annual benefit limit** **you** have selected and will provide benefits up to the specified **sub-limit** as shown on **your Certificate of Insurance**. ---
Source PDF → - score 1.52
#5 · Southern Cross Pet Insurance
AcciPet (Accident-only)
Show matched clauses (4)
Query: "accident only cover tier" · similarity 53% · weight 0.8
AcciPet
Accidental injury cover Effective from 1 December 2023 southerncrosspet.co.nz ---
Source PDF →Query: "excess co-pay percentage owner share" · similarity 55% · weight 0.7
B. What AcciPet covers and how it works > You can choose your co-payment > For example:
Say you had a $100 annual *excess* and a 20% *co-payment*, and you claimed for $2,100 in *vet charges*. Here's how we would calculate your reimbursement: - we would deduct your annual *excess* of $100 (leaving $2,000) - we would deduct $400 for your *co-payment* (20% of the remaining $2,000) - we would reimburse you $1,600. The *co-payment* you have chosen will be stated on your *certificate of …
Source PDF →Query: "cover for cancer chronic illness" · similarity 46% · weight 0.8
C. What AcciPet doesn't cover > Other exclusions > Illness
We don't cover illness, sickness or disease, including degenerative disease.
Source PDF →Query: "annual benefit cap" · similarity 58% · weight 0.6
H. How we define key terms > Annual benefit limit
means the maximum amount we'll reimburse you for *qualifying treatment* during one *policy period* under this policy. The *annual benefit limit* is $5,000.
Source PDF →
What to watch out for
- cancer excluded: Cancer treatment is excluded from this tier — a single chemo course can exceed $15k.
- 20% co-pay: 20% co-payment in addition to excess significantly increases out-of-pocket on big claims.
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How this ranking works
This scenario translates to 5 semantic queries (weighted). Each query runs against every NZ pet insurance policy clause we've ingested (1,500+ clauses across NZ pet insurers). The best clause-per-product per query contributes its similarity × weight to the product's aggregate score.
Try the underlying semantic clause search to run your own queries.
This is mechanical retrieval + ranking — not personalised financial advice. The actual policy you should buy depends on factors only an FSPR-registered adviser can assess (your medical history, budget, family composition, risk tolerance). Use this to shortlist, then talk to an adviser.