Risk score 1.50× the average dog. Here is what that means in NZD.
Insurance strongly recommended| Condition / procedure | New Zealand range | Insurance |
|---|---|---|
| Dental Cleaning with Extractions | NZ$1,230–NZ$2,870 | covered |
| Abdominal Ultrasound | NZ$330–NZ$655 | covered |
| Ear Infection Treatment | NZ$125–NZ$285 | covered |
This breed carries well-known, expensive conditions. A policy bought early is the cheapest way to cap that risk.
Run the calculator for a Cavalier King Charles SpanielAccident and illness plans with up to 80% back on eligible vet bills; New Zealand's best-known pet insurer.
Get a quote →Cover for dogs, cats, rabbits and some exotics, with lifetime and accident-only tiers.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
Around NZ$21,300 in routine care plus a realistic share of breed-typical conditions, at 2026 New Zealand prices.
Starter premiums run about NZ$56–NZ$90 a month for a puppy, rising with age and city.
Insurance strongly recommended. The breed's risk score is 1.50× average, and the single worst bill we model is NZ$6,560.