Cavalier King Charles Spaniel insurance

• Up to $20,000 cover for eligible vet bills
• Choice of policies including ‘Umbrella for Life’
• Up to 100% of eligible vet bills covered
• Manage your policy and claims online
• Choose any registered vet in New Zealand

Get a quote Retrieve a quote Convert your trial policy

The Cavalier King Charles Spaniel is one of New Zealand’s most affectionate and gentle companion breeds. Originally bred as a toy spaniel for British royalty, today they are just as happy curled up on the couch as they are enjoying a relaxed stroll along the beach or through the park.

happy-cavalier-king-charles-spaniel-puppy-sitting-on-couch-with-owner

Meet the Cavalier King Charles Spaniel

Cavaliers are adored for their silky coats, expressive round eyes, and sweet-natured temperament. They are highly people-focused, adaptable to apartment or house living, and wonderful with children and other pets — making them a popular choice for Kiwi families.

  • Average lifespan: 9–14 years
  • Average adult weight: 5–8 kg
  • Group: Toy
  • Temperament: Affectionate, gentle, social, eager to please
  • Coat colours: Blenheim, Tricolour, Ruby, Black & Tan
  • Average claim for a Cavalier King Charles: $635.38
Get a quote
cute-cavalier-king-charles-spaniel-with-toy-ball-lying-on-pet-bed-at-home

Why Cavalier King Charles Spaniel dogs may benefit from pet insurance

Cavalier King Charles Spaniel are generally healthy but can be prone to some breed-specific conditions:

  • Mitral Valve Disease (MVD): $2,000–$5,000+ Advanced treatment/ Diagnostics
  • Syringomyelia (SM): $6,000–$10,000 Surgery
  • Patellar Luxation (Slipping Kneecap): $2,000–$4,500 per knee
  • Ear Infections: $150–$400 per episode
  • Eye Conditions (Cataracts, Retinal Disorders): $3,000–$5,000 surgery

 

man-having-a-good-time-with-dog-at-sofa-in-the-morning-the-cavalier-king-charles-spaniel-playing-at-home

How to choose the right pet insurance for your Cavalier King Charles Spaniel in NZ

When selecting pet insurance for your Cavalier King Charles Spaniel, consider factors such as:

  • Health and age of your pet
  • Level of cover available
  • Policy limits and excess options

Choosing the right policy can help ensure your Cavalier King Charles Spaniel has access to veterinary care when it’s needed.

Our range of King Charles Cavalier insurance plans

Superior – the most comprehensive insurance cover, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $20,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $4,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

    Up to $2,000

  • Death from injury

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

    Up to $2,000

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $5 million
    (Any one loss occurrence)

     

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $2,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

    Up to $2,000

  • Loss by theft or straying

    Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

    Up to $2,000

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $2,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $175
    $175+20% (8+ years)
    $175+35% (10+ years)

    Select Breeds
    $175+20% (4+ years)
    $175+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $15,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

    Up to $1,500
    Optional extra benefit

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $3 million
    (Any one loss occurrence)

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

    Up to $1,000

  • Loss by theft or straying

    Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $175
    $175+20% (8+ years)
    $175+35% (10+ years)

    Select Breeds
    $175+20% (4+ years)
    $175+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

    Up to $1,500
    Optional extra benefit

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $3 million
    (any one loss occurrence)

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

    Up to $1,000

  • Loss by theft or straying

    Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $175
    $175+20% (8+ years)
    $175+35% (10+ years)

    Select Breeds
    $175+20% (4+ years)
    $175+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Superior

Mid-point

Entry

Umbrella for life

Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $20,000
(As shown in the Certificate of Insurance.)

Up to $15,000
(As shown in the Certificate of Insurance.)

Up to $10,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $5 million
(Any one loss occurrence)

 

Up to $3 million
(Any one loss occurrence)

Up to $3 million
(any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $2,000

Up to $1,000

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

Up to $2,000

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $2,000

Up to $1,000

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$175
$175+20% (8+ years)
$175+35% (10+ years)

Select Breeds
$175+20% (4+ years)
$175+35% (7+ years)

$175
$175+20% (8+ years)
$175+35% (10+ years)

Select Breeds
$175+20% (4+ years)
$175+35% (7+ years)

$175
$175+20% (8+ years)
$175+35% (10+ years)

Select Breeds
$175+20% (4+ years)
$175+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-range – the most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs. 

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $15,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $3,000

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $o | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $2,500

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $5,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $1,500

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Key

Vital

Core

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $o | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Safety net: Accidents or illnesses can happen at any time. Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

    12 months cover from first clinical signs

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $7,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million

    (Any one loss occurrence)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Within the veterinary fee limit

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $1,000
    (Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

    Up to $1,000
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

    Up to $1,000
    Optional extra benefit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

    Up to $1,000
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Within the veterinary fee limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Within the veterinary fee limit

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Within the veterinary fee limit

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Within the veterinary fee limit

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $175
    $175+20% (8+ years)
    $175+35% (10+ years)

    Select Breeds
    $175+20% (4+ years)
    $175+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks – no limit
    Select breeds
    8 weeks – no limit

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $5,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million (Any one loss occurrence)

    Optional extra benefit

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    –

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

    –

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

    –

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

    –

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

    –

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

    –

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

    –

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    –

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    –

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $1,500

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $2,500

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $3,000
    365 day waiting period

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $450 or $900

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million (Any one loss occurrence)

    Optional extra benefit

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    –

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

    –

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

    –

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

    –

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

    –

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

    –

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

    –

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    –

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    –

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $3,000

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $5oo

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $6,000
    365 day waiting period

  • Multi-pet discount

    Cover the cost of multiple pets.

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $450 or $900

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

12 months cover from first clinical signs

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million

(Any one loss occurrence)

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

 injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Up to $400

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $1,000
(Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

–

–

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,000
Optional extra benefit

–

–

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,000
Optional extra benefit

–

–

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

Up to $1,000

–

–

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

Up to $1,000

–

–

Loss by theft or straying

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $1,000
Optional extra benefit

–

–

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Up to $1,000

–

–

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

–

–

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

–

–

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $500

Up to $5oo

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Up to $3,000
365 day waiting period

Up to $6,000
365 day waiting period

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$175
$175+20% (8+ years)
$175+35% (10+ years)

Select Breeds
$175+20% (4+ years)
$175+35% (7+ years)

$450 or $900

$450 or $900

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks – no limit
Select breeds
8 weeks – no limit

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.

Be ready for life’s surprises with King Charles Spaniel insurance

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Group of king charles spaniels 2 are brown and white and one is black and white playing on grass

Why choose Petcover dog insurance?

Join over 250,000 pet owners who’ve trusted us to protect their pets.

We make it simple to insure your dog with award-winning pet policies, no waiting periods on injuries, and an easy claims process. Plus, our vet-endorsed policies and expert team ensure your dog receives top-notch care.

Up to 100% vet bills covered

Up to 100% vet bills covered

Receive up to 100% back on eligible vet bills, based on your level of cover.

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Award-winning customer service

Award-winning customer service

With more than 40 years’ experience, we’re proud to have won several Feefo Trusted Service Awards.

Our awards
Quick and easy claims

Quick and easy claims

We pay 9 out of 10 claims within just 5 working days.

More about claims

Are Cavalier King Charles Spaniels smart?

Yes, they are intelligent and eager to please, making them highly trainable companions. This breed learns quickly and responds exceptionally well to positive reinforcement techniques. Gentle, reward-based training, which includes treats, praise, and play, will yield the best results and strengthen the bond between you and your dog. Their inherent desire to make their owners happy means they are often attentive and focused during training sessions.

 

Do Cavalier King Charles Spaniels bark?

They’re not excessive barkers, but they will bark to alert you or when excited. Proper training helps keep it under control.

How long do Cavalier King Charles Spaniels live?

On average, they live around 10–14 years with good care, diet, and regular vet check-ups.

Read our policy documents

Superior plan Mid-range plan Safety-net (Economy) plan Safety-net (Catastrophe 1 & 2) plan


† Prices are accurate at the time of publishing. Monthly premiums for a Jack Russell starts at $28.60 on the ‘Core’ plan with a 30% contribution and $200 excess,  and from $77 with the ‘Superior’ plan.

 

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