Affordable peace of mind for dog owners

  • Up to $11,000 cover every year on eligible bills
  • Easy payment options
  • Premiums help support the RSPCA

RSPCA Pet Insurance provides pet health insurance cover for dogs great and small. You can choose from three great value plans, with no excess to pay. You also have the freedom to choose any licensed vet within Australia.

What's covered

What is covered in all plans

  • Accidental injury
  • After-hours emergency visits
  • Lab and diagnostic tests^
  • Hospitalisation^
  • Radiology^
  • Medicine and drugs^
  • Cruciate ligament surgery (30 day waiting period, can be waived)

Only in Ultimate and Economy

  • Illnesses
  • Annual paralysis tick benefit
  • Cancer treatment
  • Skin conditions e.g. allergies
  • Infectious diseases

Exclusions

  • Pre-existing conditions that your pet showed clinical signs of before you took out the insurance
  • Dental procedures
  • Behavioural problems
  • Elective procedures
  • Food and diets
  • Grooming
  • Pregnancy
  • Pet accessories

Check out the list of all exclusions

Routine Care

By choosing our Ultimate plan, you can claim for these routine care benefits, if you add our optional Routine Care Cover:

  • Heartworm test or blood screen - $15 a year
  • FeLV/FIV test or urinalysis - $15 a year

Plus a $50 annual benefit for any one of these routine treatments:

  • De-sexing and Micro-chipping
  • Heartworm preventative medication
  • Teeth cleaning
  • Vaccinations
  • Council registration fees
  • Prescription diets
  • Alternative therapies

^ Will only be covered on the RSPCA Basic Accident Only Cover as a direct result of an accident.

How can you save1

The below example is based on a 1 year old Jack Russel.

Foreign Body Digest
Costs to you without insurance

$1,148.50

Costs to you with insurance

$229.70 (after reimbursement of $918.80)

Motor vehicle accident
Costs to you without insurance

$4,346.10

Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Fractured leg
Costs to you without insurance

$3,169.84

Costs to you with insurance

$633.97 (after reimbursement of $2,535.87)

Total Vet Bills
Costs to you without insurance

$8,664.44

Costs to you with insurance

$1,732.89

Insurance premiums for one year
Insurance premiums for one year

 

Costs to you with insurance

$452.22

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2185.11

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,479.33

Example based on a 1 year old, Jack Russel insured on the RSPCA Accident and Illness Cover. Industry example, vet costs may vary.


Meet Lemmy

At eight months old, our gorgeous labrador Lemmy's leg started to look a bit unusual. After a vet visit it was determined that the growth plate in her leg had shattered. It was suspected that this had occurred whilst playing with other dogs - a terrible accident. We had to make the decision to get a specialist surgeon to operate on her damaged leg. Thanks to having insurance, we didn't have to hesitate on our decision. If we didn't have insurance we may have been forced to have Lemmy put down as the expense was over $10,000. Even though her leg looks a bit funny now, it is fully healed after two surgeries and lots of time spent rehabilitating. Lemmy is like any other two year old labrador that loves her daily walks and playing with her fur friends. Lemmy wants to say a huge thank you to everyone at RSPCA Pet Insurance for not just saving her leg, but saving her life! Thank you! - Bonnie Montgomery

Frequently asked questions

Are there any age limits for the insurance?

1

While there’s no age limit for Accidental Injury Cover (Basic Accident Only Cover), dogs and cats nine years and older cannot be covered for RSPCA Economy Accident & Illness Cover or RSPCA Ultimate Accident & Illness Cover. If they are already covered before they reach the age of 9, they can be insured for life provided you pay your premiums. Puppies and Kittens under the age of 8 weeks are not able to be insured on any RSPCA Pet Insurance policy.

When will my policy start and when can I claim?

2

Your policy will start at one minute to midnight on the day that we accept your application. You can claim immediately for events covered under the Accidental Injury Cover section of the policy, provided the accident occurred after the start date.

As long as you have chosen Illness Cover, available only under RSPCA Economy Accident & Illness Cover and RSPCA Ultimate Accident & Illness Cover you can claim for illnesses for your dog or cat that first occurred 30 days after the start date of the policy.

There is a waiting period of six months, beginning from the start date of the first policy period for cruciate ligament conditions, regardless of what caused the condition. You can have this waiting period waived by completing the Cruciate Ligament Waiver Form, following the instructions explained in the form that you completed for your pet.

More Information

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Download Policy Booklet

Download Policy Booklet

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Request an Info pack

Request an Info pack


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RSPCA Pet Insurance is issued and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL No. 241436). It is distributed and promoted by Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884 (AFSL No. 343079) of 58 Norwest Blvd, Bella Vista NSW 2153 and by its Authorised Representative RSPCA Australia Incorporated (AR No. 296287). Information on this website is general only and does not consider your individual objectives or financial situation. Terms and Conditions apply. Please read the Policy booklet which contains the PDS and FSG to ensure these products are right for you.

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