Terms and conditions

Free Puppy and Kitten Health Cover

  1. Cover Eligibility:
    1. This giveaway of Free Puppy and Kitten Health Cover (the free giveaway) is available only to individual pet owners who own puppies and kittens that are:
      1. between 6 weeks and 26 weeks of age (inclusive); and
      2. living with them
    2. The free giveaway is not available to breeders or associations.
  2. Period of free giveaway:
    1. The free giveaway commences on the date that your application is received by us, subject to our approval (the Free Giveaway Commencement Date), and will expire on the day that is six weeks after the Free Giveaway Commencement Date (the Free Giveaway Expiry Date). You must submit any claims under this free giveaway to us within 30 days of the Free Giveaway Expiry Date. Claims submitted after this period or claims arising before the Free Giveaway Commencement Date or after the Free Giveaway Expiry Date will be declined;
    2. You are under no obligation to apply for a Southern Cross Pet Insurance policy. However, if you apply and are accepted for a Southern Cross Pet Insurance policy to take effect before or on the Free Giveaway Expiry Date, the only stand-down period that will apply to your new Southern Cross Pet Insurance policy will be the stand-down period for the dental care extra module (should you choose to add this module to your Southern Cross Pet Insurance policy) and you will be covered for any qualifying conditions that arose after the free giveaway stand-down period pursuant to the terms and conditions of your selected Southern Cross Pet Insurance policy.
    3. If you elect to apply for a Southern Cross Pet Insurance policy after the Free Giveaway Expiry Date, you will not be covered for any qualifying conditions that arose before the Free Giveaway Expiry Date and Southern Cross Pet Insurance will underwrite your Southern Cross Pet Insurance policy with reference to your application and the facts that exist at the date of your application.
    4. If you have elected for your selected Southern Cross Pet Insurance policy to take effect before the Free Giveaway Expiry Date, treatment that falls within the first 21 days of the Free Giveaway Commencement Date will be covered in accordance with these free giveaway terms and conditions. The terms, conditions and policy limits of your selected Southern Cross Pet Insurance policy will apply to any treatment that takes place after the first 21 days of the Free Giveaway Commencement Date (provided your selected Southern Cross Pet Insurance policy was already in place on the treatment dates).
  3. Administration: 
    This free giveaway is non-transferable and is not redeemable for cash. All decisions by us in relation to this free giveaway shall be final. All correspondence and claims must be sent to Southern Cross Pet Insurance, Private Bag 3240, Waikato Mail Centre, Hamilton 3240 or phone: 0800 800 836.
  4. Free giveaway terms and exclusions:
    1. Subject to the other terms, conditions and exclusions of the free giveaway, we will reimburse you for the costs of any medically necessary tests or treatment directly related to your pet’s injury or illness that are carried out in New Zealand between the Free Giveaway Commencement Date and Free Giveaway Expiry Date;
    2. Whether tests or treatment are medically necessary or not is at our entire discretion;
    3. We will pay up to a maximum sum of $2,000.00 (including GST) in aggregate for all valid claims accepted by us. For the avoidance of doubt, this means that our maximum liability to you under this free giveaway is $2,000.00;
    4. You will pay the first $100.00 (including GST) of each claim made for each separate illness or injury;
    5. When making a claim, you will need to provide itemised original tax receipts and medical history notes that state a diagnosis and treatment and must not have been otherwise paid or reimbursed under another insurance policy;
    6. If you provide us with false or misleading information or make a false or misleading claim, your cover under this free giveaway will end immediately and we will not be responsible or liable for any claim or payment of any kind to you whatsoever;
    7. Any costs (whether incurred by us, you, your veterinarian or otherwise) in relation to providing further information for a claim made by you under this free giveaway will be met by you;
    8. You must take appropriate care of your pet and promptly arrange for any treatment recommended by your veterinarian to prevent injury or illness;
    9. We will not be responsible or liable for any claims, costs or losses of any kind relating to or as a consequence of:
      1. any illnesses (including any related clinical conditions, signs or symptoms of illness) arising before or within 5 days of the Free Giveaway Commencement Date;
      2. any injuries (including any related clinical conditions, signs or symptoms of injury) arising before the Free Giveaway Commencement Date;
      3. any pet that is less than 6 weeks old or more than 26 weeks old at the Free Giveaway Commencement Date;
      4. prophylactic or preventative tests or treatment;
      5. tests, treatment or drugs that are not directly related to an injury or illness;
      6. general health improvers, all food (including prescription food and dietary supplements) and all parasite control (for ticks, fleas, mites, worms and similar) or any condition related to these parasites (including, but not limited to Demodectic mange);
      7. equipment (including, but not limited to cages);
      8. vaccinations, microchipping or neutering;
      9. cruciate ligament and patella luxation;
      10. your acts or omissions (whether wilful, accidental, negligent or otherwise);
      11. cremation, burial or post mortem;
      12. courier, travel costs or administration fees;
      13. the destruction of a pet pursuant to an order of the court or any law or regulation;
      14. natural disaster, war, riot, revolution or any similar event;
      15. medical misadventure;
      16. congenital conditions, such as, dermoid sinus, kinked or cork screw tail and brachycephalic airway syndrome;
      17. Dental care (unless dental treatment is required in conjunction with the treatment of other facial injuries suffered as the result of an accident);
      18. cosmetic surgery of any kind (including, but not limited to dew claws, tail docking or tattooing);
      19. Feline Infectious Peritonitis (FIP), Feline Immunodeficiency Virus (FIV) or parvovirus, unless the pet has been vaccinated in accordance with your vet’s recommended vaccination protocols;
      20. Behavioural and psychological conditions;
      21. umbilical hernias; and
      22. damage or injury to any person or property caused by you or your pet.

In these terms and conditions, you/your means the owner of the pet notified to us in your application and we/us/our means Southern Cross Pet Insurance (which is a product of Southern Cross Pet Insurance Limited).

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Effective 31 January 2020

If you took advantage of Free Puppy and Kitten cover before 31 January 2020, you can find the Terms and Conditions applicable to that cover here.