
Every year Southern Cross Pet Insurance supports tens of thousands of pet parents and their furry friends to ensure they can access the healthcare their pets need to stay fit, well and active.
Former vet nurse and Southern Cross expert Kerri Murray says there are countless reasons you might need to bring your pet to the vet, from routine checkups and vaccinations to more serious health concerns. She stresses the importance of knowing how to act in different situations.
“Just like humans, pets need different vets for different reasons – your local vet will generally be able do all sorts of things including some surgeries, a little like an experienced family GP, whereas an emergency vet or specialist vet is advisable for treatment of major illness or trauma or things like knee reconstruction.
The New Zealand Veterinary Association (NZVA) encourages pet owners to keep emergency veterinary clinics for emergencies only, so that pets needing urgent care can be seen as quickly as possible. They recommend you call your vet first and seek advice on whether your dog or cat may need emergency care. If you can wait a while, you can then see your usual vet, who has the advantage of knowing your pet’s health record and how your pet will probably respond to treatment.
Vet visits can be costly as there’s no free public healthcare for pets. “Even the most well-behaved pets aren’t immune to having accidents or getting up to mischief – but there’s no such thing as ACC or publicly funded healthcare for cats and dogs,” says Murray.
The SCPI team recently canvassed veterinary clinics up and down New Zealand to understand treatment costs. The numbers were independently verified and can be used by owners to understand what they may have to pay for Charlie or Loki (very popular names for pets insured with Southern Cross!)
Your hound may develop arthritis as it ages, so expect to pay $1,000 to $4,500 for diagnosis and annual treatment. Likewise pets can develop allergies which can cost between $1,000 to $4000 for annual care. Grasses and some foods are often the culprits. A broken leg which can result from a high jump or accident could end up with costs to treat ranging from $1,000 to $7,000
When it comes to cats, wound treatment and surgical procedures resulting from a cat fight could set an owner back $500 to $1,800. Cancerous lump removal can cost between $900 to $3,000 and urinary infections can cost between $200 to $3,000. If your beloved is hit by a car, treatment and surgery costs could range from $800 to $3,000.
Kerri Murray says, “Our experience shows it’s important not to underestimate how much vet bills can be. Pets give us so much joy, but when they are sick or injured there’s no safety net unless you have the peace of mind of pet insurance, especially when you end up at a specialist emergency vet.
More specialist care, less stress
Southern Cross Pet Insurance customers can now access an exclusive 10% discount on treatment at VSA’s three hospitals in Auckland and Christchurch for both their specialist services and the 24 hour emergency care in Auckland. On top of that, they can take advantage of a service called Pet Easy-Claim, which is available for treatment costs exceeding $1,000.
The Pet Easy-Claim service streamlines the process at a time when pet parents are often feeling overwhelmed. “If your pet’s treatment qualifies, VSA will handle the claim directly with us,” Murray explains. “We’ll pay what’s covered under your policy straight to the provider, so you only need to cover the balance.”
It’s a win-win for pet parents, prioritising the health and well-being of their animals while removing some of the financial stress.
Protecting pets just makes sense
Southern Cross Pet Insurance currently helps care for the health of over 65,000 pets in New Zealand, highlighting the popularity—and necessity—of having a plan in place. “Pets bring us so much joy, but when they’re sick or injured, it can be tough emotionally and financially,” Murray reflects.
While routine checkups and minor ailments are part of being a pet parent, emergencies can and do happen. Knowing how to act in different scenarios, whether it’s a trip to your family vet or an emergency clinic, is crucial. And having pet insurance takes it a step further, giving you the peace of mind that your pet’s health is in good hands—even when faced with unexpected costs.
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This is a sponsored article produced in partnership with Southern Cross Pet Insurance