SPCA Pet Insurance is an official partner of the Royal New Zealand SPCA, offering three levels of pet cover for cats and dogs. Underwritten by Hollard Insurance and administered by PetSure, every policy supports the SPCA's work helping over 35,000 neglected animals each year. We have analysed Feefo reviews, Canstar data, and policy details to give you the full picture.
In This Review
What is SPCA Pet Insurance and who's behind it?
SPCA Pet Insurance is an official partner of the Royal New Zealand Society for the Prevention of Cruelty to Animals (SPCA), offering pet insurance for cats and dogs across New Zealand. Every policy purchased helps support the SPCA's mission, bringing hope to over 35,000 neglected animals every year.
SPCA Pet Insurance is a trading name of Greenstone Financial Services NZ Limited. Policies are underwritten and issued by The Hollard Insurance Company Pty Ltd (NZBN 9429 042 129 851, FSP 480747) and administered by PetSure (Australia) Pty Ltd. This structure means the SPCA brand lends its name and charitable mission, while Hollard provides the financial backing and insurance licence.
The provider offers three levels of cover - Everyday, The Works, and Big Stuff - with benefit rates ranging from 70% to 90% of eligible vet bills. Cover is available for cats and dogs from 8 weeks of age, and policyholders can visit any registered veterinarian in New Zealand. Claims are processed through an online pet portal, with an average turnaround of 1-2 business days.
SPCA Pet Insurance holds a 4.6/5 rating on Feefo from 733 verified customer reviews, with 92% of customers reporting satisfaction. The provider offers:
SPCA Pet Insurance is regulated by the Financial Markets Authority (FMA) and is a member of the Insurance & Financial Services Ombudsman (IFSO) dispute resolution scheme. Full policy wording is available at spcapetinsurance.co.nz/policy-documents. You can contact the team at 0800 812 020 or via spcapetinsurance.co.nz.
How customers rate SPCA Pet Insurance across major review platforms
Note on ratings: SPCA Pet Insurance's primary review platform is Feefo, where 733 verified customers have given an average of 4.6/5. Unlike some competitors, SPCA Pet Insurance does not have a Trustpilot presence specific to NZ (the ASPCA page on Trustpilot is a separate US company). Canstar includes SPCA Pet Insurance in its NZ pet insurance comparisons. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Common themes from 733+ verified reviews on Feefo and other platforms
The whole process from signing up to making a claim was very straightforward. Uploaded my vet invoice and consultation notes online and had the payment within days.
Really appreciate that my premiums help support the SPCA. The team on the phone were fantastic - explained everything clearly without being pushy at all.
Premiums went up quite a bit when my dog turned six. Understand that older pets cost more to insure, but the jump was steeper than I expected.
The Works Cover has been brilliant for our cat. No excess, 80% back on vet bills, and the online portal makes claims really simple to manage.
Had a claim declined as a pre-existing condition even though the issue started after we took out the policy. The appeals process was slow and the outcome felt unfair.
Signed up both our pets and the 10% multi-pet discount helps. Claims turnaround has been fast every time - usually within a couple of business days.
Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of verified Feefo reviews and publicly available data as of March 2026.
SPCA Pet Insurance offers three levels of cover for cats and dogs in New Zealand
A budget-friendly option covering 70% of eligible vet bills with a $11,000 annual limit. No excess applies, making it suitable for pet owners wanting basic cover without upfront claim costs. A $2,000 annual condition limit and $300 consultation sub-limit apply.
The mid-tier option covering 80% of eligible vet bills with a $20,000 annual limit and nil excess. Includes unlimited cover for chronic illnesses and covers congenital and hereditary conditions. Available for pets up to 9 years of age.
The most comprehensive option covering 90% of eligible vet bills with a $25,000 annual limit. The $1,000 excess per new condition means this plan is designed for major, unexpected veterinary events rather than routine visits. Includes congenital and hereditary conditions.
The good and the not-so-good based on customer reviews and our analysis
How much does SPCA Pet Insurance cost? Indicative examples based on market analysis
SPCA Pet Insurance premiums vary based on your pet's species, breed, age, and the level of cover you choose. Premiums can be paid fortnightly, monthly, or annually. A 10% multi-pet discount applies when you insure more than one pet. Here are indicative examples based on publicly available information:
Disclaimer: These are indicative estimates based on publicly available data and market comparisons, not official SPCA Pet Insurance quotes. Your actual premium will vary based on your pet's specific breed, age, and other factors. Get an accurate quote at spcapetinsurance.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Dogs generally cost more to insure than cats. Certain breeds with known hereditary conditions (e.g. French Bulldogs, Cavalier King Charles Spaniels) typically attract higher premiums due to increased veterinary risk.
Premiums increase as your pet ages. Annual premium reviews take into account your pet's age and the claims experience of the wider policyholder base. Pets over 9 years may only be eligible for limited cover levels.
Three tiers from Everyday (70% benefit, $11K limit) to Big Stuff (90% benefit, $25K limit). Higher cover levels provide greater reimbursement but come with higher premiums or higher excesses.
Everyday and The Works Cover have nil excess. Big Stuff Cover has a $1,000 excess per new condition, which keeps premiums lower but means a higher out-of-pocket cost when claiming.
A 10% discount applies to each additional pet insured under the same policy. This can make a meaningful difference for households with multiple cats or dogs.
Premiums can be paid fortnightly, monthly, or annually. Annual payment may offer a small saving compared to fortnightly or monthly billing over the course of a year.
SPCA Pet Insurance vs. other NZ pet insurance providers
| Feature | SPCA Pet | PD Insurance | Petcover | Southern Cross Pet | Cove |
|---|---|---|---|---|---|
| Overall Rating | 4.6/5 Feefo | 4.5/5 Trustpilot | Canstar Winner 2025 | Highly Commended RD 2025 | 4.7/5 Trustpilot |
| Benefit Rate | 70-90% | 100% | 100% | 70-80% | 80-90% |
| Annual Limit | $11K-$25K | $5K-$20K | $7K-$20K | $2.5K-$15K | $5K-$25K |
| Excess | Nil-$1,000 | $100-$200 | Varies by plan | $100-$500 | $500-$1,000 |
| Co-Payment | 10-30% | Nil | Varies (age-based loadings) | 10-30% | 10-20% |
| Multi-Pet Discount | 10% | 5% | Yes (3+ pets) | 5% | Not disclosed |
| Congenital/Hereditary | Yes (Works & Big Stuff) | Yes (Deluxe) | Yes | Yes (PetCare) | Yes |
| Claims Speed | 1-2 business days | 2 business days | Varies | 3 business days | Varies |
| Charitable Component | Supports SPCA NZ | No | No | No | No |
| Underwriter | Hollard Insurance | Hollard Insurance | Certain Underwriters at Lloyd's | Southern Cross | Hollard Insurance |
Disclaimer: Features and pricing may change - verify directly with each provider. Ratings are sourced from Feefo, Trustpilot, Canstar, and other publicly available platforms. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Other NZ pet insurance providers worth considering, depending on your priorities
The only NZ pet insurer offering 100% coverage with no co-payments or age-based loadings. Three plans (Accident, Classic, Deluxe) with fixed excesses from $100. Fast 2-day claims and no lock-in contracts. May suit pet owners wanting full reimbursement.
Winner of Canstar's Most Satisfied Customers Pet Insurance Award 2025. Covers a wide range of pets including dogs, cats, birds, rabbits, and horses. Three plan categories with annual limits from $7,000 to $20,000.
Part of the Southern Cross group, offering PetCare (comprehensive) and AcciPet (accident-only) plans. FreeCover provides 6 weeks free for puppies and kittens aged 6-26 weeks. Vets can claim directly on your behalf via Pet Easy-Claim.
Digital-first insurance brand offering three pet insurance plans: Accident Only, Major, and Major + Minor. Competitive pricing with the cheapest full-coverage cat plan from $16.55/month. Monthly billing with no lock-in contracts.
SPCA Pet Insurance may suit some pet owners more than others
Pet owners who want their insurance premiums to support the SPCA's animal welfare work across New Zealand. Every policy contributes to helping over 35,000 neglected animals each year.
Pet owners who prefer nil excess when claiming. Both Everyday and The Works Cover have no excess, meaning no upfront out-of-pocket cost when you submit a claim - only the co-payment percentage applies.
Households with two or more cats or dogs looking to save on premiums. The 10% multi-pet discount is among the more generous in the NZ market and applies to each additional pet insured.
Owners of pets over 9 years (limited plan options), those wanting 100% reimbursement with no co-payment (consider PD Insurance), or owners of exotic pets, birds, or horses (consider Petcover). The $2,000 annual condition limit on Everyday Cover may also be too low for breeds prone to costly conditions.
Compare.org.nz's editorial assessment of SPCA Pet Insurance
With a 4.6/5 Feefo rating from 733 verified reviews and 92% customer satisfaction, SPCA Pet Insurance is one of the more highly-rated pet insurers in New Zealand. The official partnership with the SPCA gives it a unique charitable dimension that no other NZ pet insurer offers. The three-tier plan structure provides reasonable flexibility, and the nil-excess options on Everyday and The Works Cover are attractive for pet owners who want to avoid upfront costs when claiming.
The claims experience is a standout - an average turnaround of 1-2 business days via the online portal is competitive with any NZ pet insurer. The 10% multi-pet discount is generous, and cover for congenital and hereditary conditions on the higher-tier plans adds value for owners of breeds with known genetic issues. Underwriting by Hollard Insurance provides financial stability behind the SPCA brand.
However, the 70-90% benefit rates mean you will always pay a portion of your vet bills out of pocket - unlike PD Insurance, which offers 100% coverage. The $2,000 annual condition limit on Everyday Cover is restrictive for serious conditions, and the $1,000 excess on Big Stuff Cover is among the highest in the market. Pre-existing condition exclusions and annual premium increases tied to pet age are standard industry practices but remain common sources of customer frustration.
Common questions about SPCA Pet Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in March 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with SPCA Pet Insurance and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
See how SPCA Pet Insurance stacks up against other NZ pet insurance providers. Compare cover levels, pricing, and features in minutes.
Compare Now →