The cost of loving our pets – a guide for owners
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">Every year </span><span lang="EN-NZ"><a style="color: #0563c1;" href="https://southerncrosspet.co.nz"><span style="font-family: Arial, sans-serif; color: #595959;">Southern Cross Pet Insurance</span></a></span><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;"> 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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">“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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">Vet visits can be costly as there’s no free public healthcare for pets. </span><span lang="EN-NZ" style="color: #595959;">“</span><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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!)</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<h3 style="margin: 14pt 0cm 0cm; line-height: 17.12px; break-after: auto; font-size: 12pt; font-family: 'Calibri Light', sans-serif; color: #1f4d78; font-weight: normal;"><strong><span lang="EN-NZ" style="font-size: 13pt; line-height: 18.5467px; font-family: Arial, sans-serif; color: #595959;">More specialist care, less stress</span></strong></h3>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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 </span><span lang="EN-NZ"><a style="color: #0563c1;" href="https://www.southerncrosspet.co.nz/pet-hub/news/partners-with-veterinary-specialists-aotearoa"><span style="font-family: Arial, sans-serif; color: #595959;">Pet Easy-Claim</span></a></span><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">, which is available for treatment costs exceeding $1,000.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.”</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">It’s</span><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;"> a win-win for pet parents, prioritising the health and well-being of their animals while removing some of the financial stress.</span></p>
<h3 style="margin: 14pt 0cm 0cm; line-height: 17.12px; break-after: auto; font-size: 12pt; font-family: 'Calibri Light', sans-serif; color: #1f4d78; font-weight: normal;"><strong><span lang="EN-NZ" style="font-size: 13pt; line-height: 18.5467px; font-family: Arial, sans-serif; color: #595959;">Protecting pets just makes sense</span></strong></h3>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">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.</span></p>
<p><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">Sign up for pet insurance or find out more </span><span lang="EN-NZ"><a style="color: #0563c1;" href="http://www.scpi.co.nz/"><span style="font-family: Arial, sans-serif; color: #595959;">here</span></a></span><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">.</span></p>
<p><em><span lang="EN-NZ" style="font-family: Arial, sans-serif; color: #595959;">This is a sponsored article produced in partnership with Southern Cross Pet Insurance</span></em></p>