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

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

Meet Felix

Dogs, being curious, can swallow objects that they are not supposed to. After an x-ray, it was determined that a Golden Retriever had ingested a foreign object and it needed to be removed. The effects of digesting a foreign object can vary and if it does not pass they can become irritated and cause infection. Removal can require surgery and can be very expensive. In this case the owners were able to claim $7,299 from their vet bill, being 80% of the total cost. – RSPCA Pet Insurance claim 2013. - RSPCA Pet Insurance claim 2013.

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.

What is not covered?

2

Like most insurance policies, we have excluded some conditions. This is to help keep your premiums low. RSPCA Pet Insurance does not cover behavioural problems, elective procedures, food and diets, grooming, pregnancy and any pre-existing conditions that your pet showed clinical signs of before you took out the insurance, or during the Waiting Period.

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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