Deciding whether pet insurance is worth it in New Zealand depends on your financial risk tolerance and ability to absorb sudden veterinary expenses. Because New Zealand's universal accident compensation scheme (ACC) does not apply to animals, veterinary healthcare can be extraordinarily expensive. Complex surgeries, such as repairing a ruptured cruciate ligament or treating severe illnesses, routinely cost between 3,000 and 10,000 dollars or more. Having pet insurance ensures you never have to make heartbreaking financial decisions regarding your pet's emergency medical care.
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