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Award-winning Pet Insurance for your furry family members

  • Four levels of cover to choose from
  • Up to 80% of eligible vet bills reimbursed1
  • No excess
  • Claim up to $20,000 per year
  • 10% multi-pet discount2
  • A portion of first-year premiums help support the RSPCA
Buy RSPCA Pet Insurance now and get one month FREE
Buy RSPCA Pet Insurance now and get one month FREE
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RSPCA Pet Insurance is flexible and provides peace of mind for pet owners across all of Australia. Our pet insurance plans cover up to 80% of the cost of eligible vet bills, with no excess to pay, when your dog or cat becomes sick or injured. You also have the freedom to submit and track claims, update your details and easily manage your policy online.

Plus, a portion of first-year premiums go to support the great work of the RSPCA, helping them protect other Australian animals in need.

Four levels of cover to choose from

RSPCA Ultimate Plus
Accident & Illness Cover

  • Cover for both specified accidental injuries and illnesses
  • Claim up to $20,000 per year
  • Up to 80% of eligible vet bills reimbursed1
  • No excess to pay
  • Start cover from 8 weeks old and younger than 9 years old
  • Lifetime cover4
  • A portion of first-year premiums help support the RSPCA
  • Routine care available
    (as an optional extra)5

RSPCA Ultimate
Accident & Illness Cover

  • Cover for both specified accidental injuries and illnesses
  • Claim up to $11,000 per year
  • Up to 80% of eligible vet bills reimbursed1
  • No excess to pay
  • Start cover from 8 weeks old and younger than 9 years old
  • Lifetime cover4
  • A portion of first-year premiums help support the RSPCA
  • Routine care available
    (as an optional extra)5

RSPCA Economy
Accident & Illness Cover

  • Cover for both specified accidental injuries and illnesses
  • Claim up to $11,000 per year
  • Up to 75% of eligible vet bills reimbursed1
  • No excess to pay
  • Start cover from 8 weeks old and younger than 9 years old
  • Lifetime cover4
  • A portion of first-year premiums help support the RSPCA

RSPCA General
Accident & Illness Cover

  • Cover for both specified accidental injuries and illnesses
  • Claim up to $11,000 per year ($2,000 per condition)
  • Up to 60% of eligible vet bills reimbursed1
  • No excess to pay
  • Start cover from 8 weeks old and younger than 16 years old
  • Lifetime cover4
  • A portion of first-year premiums help support the RSPCA
  1. Pre-existing conditions are excluded. Exclusions, limits and sub-limits may apply.
  2. 10% multi-pet discount is applied to a second pet policy and each new additional policy. Terms and conditions apply.
  3. Each new policy purchased on or after 02/03/2024 is entitled to one month free in your first year of cover (the first month). All quotes provided automatically include this offer. Terms and conditions apply.
  4. Once insured cover can be kept for life if you keep your pet’s policy in force and for as long as we offer the product.
  5. Routine Care Cover is an additional cover you can add to your Ultimate Plus and Ultimate Accident & Illness Cover.

Dog Insurance

Cover option for your dog or puppy

Cat Insurance

Cover options to suit most budgets

Fast and easy application

Obtain a quote and secure cover online or over the phone

Your pet can be covered from midnight tonight

Receive cover for up to 80% of eligible vet bills

(Exclusions, limits, sub-limits and annual condition limits may apply.)

Claim Statistics from July 2021 to June 2022

513,025 RSPCA Pet Insurance Claims were processed

Over $86.8 million in benefits were paid

96.48% of claims were processed within 5 days

Claim fast with GapOnly®

Discover an easy and fast way of claiming on eligible vet bills with GapOnly®. When your furry friend is sick or injured, you can access your benefit on the spot. Just let your participating vet^ know that you’d like to make a GapOnly® claim when paying your bill. Your claim will be assessed on the spot (usually around 10 minutes+), and once approved you simply need to pay the gap (the amount not covered by your policy). That means less upfront costs, less paperwork, and less time waiting.

^ At participating vets only. To find your closest vet visit GapOnly®

+ Assessment times may vary.

More information about Pet Insurance

What is pet insurance?

Pet insurance is a form of insurance cover which can reimburse you for a portion of eligible vet treatments, if your pet becomes sick or is injured. With RSPCA Pet Insurance claims can be made online (via our pet portal) or in paper form as soon as your pet has visited the vet.

Why is pet insurance important?

Cost of common pet injuries and illnesses is often more expensive than you expect. Pet insurance can help ensure you are not caught out financially should the unexpected happen to your pet.

Why choose RSPCA Pet Insurance?

RSPCA Pet Insurance offers award winning cover for up to 80% of the cost of eligible vet bills1, if your beloved pet is sick or has an injury. Depending on your level of cover you can claim up to $20,000 a year, and a portion of first-year premiums will go to help support the great work of the RSPCA.

Do all vets accept RSPCA Pet Insurance?

Yes — if the vet is licensed and currently registered in Australia. When you choose RSPCA Pet Insurance, you can make a claim on vet expenses no matter where you are in Australia.

  1. Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits apply. A $2,000 annual condition limit applies to General Cover.

Other Frequently Asked Questions

  • Pre-existing condition means a condition that first existed or occurred:

    • prior to the commencement date of the first policy period; or
    • within any applicable waiting period; and
    • which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed.

    A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition.

    For more information please refer to the relevant Policy Booklet.

  • If your pet has had a temporary condition that was subject to the pre-existing condition exclusion, you can apply to have it reviewed.

    Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months. The pre-existing condition exclusion(s) will not be deemed to have been lifted unless agreed to by us in writing.

    You can download a copy of the Pre-existing Condition Review form here: rspcapetinsurance.org.au/useful-documents

    If your pet has a chronic condition that existed or occurred before the commencement date of your first policy period or during any applicable waiting period, that condition will always be excluded from your policy.

    For more information please refer to the relevant Policy Booklet.

  • Pet insurance can take care of the unexpected expenses that come with the unpredictable lives of cats and dogs. Thankfully, there are a range of different insurance options, from basic policies to comprehensive coverage. That means you can choose one that suits your budget and lifestyle.

  • Pet insurance covers up to a set percentage of the cost of eligible vet bills when your cat or dog gets sick or is injured. You can choose your level of cover and then make payments — usually monthly — to your provider. When it's time to make a claim, your insurer will cover a portion of the costs.

  • With so many pet insurance options, the costs can vary depending on which policy you choose, the type of pet you have, it’s age and breed and whether it has been desexed. Get a quote from RSPCA Pet Insurance

  • Typically, pet insurance policies do not include dental coverage. However, some policies offer a routine care plan that might offset this type of expense.

    By adding our optional routine care cover to your RSPCA Ultimate or Ultimate Plus cover policy, you can receive some reimbursement for some preventative care such as flea, tick and worm control, vaccinations, dental illness treatment and teeth cleaning for up to $80 a year.

  • Pet insurance typically provides cover for your pet for unforeseen specified accidents and diseases, often excluding preventative treatments (particularly under basic plans). However, some policies offer an option for routine care that covers certain preventative healthcare treatments up to a specified limit. For more information please refer to the relevant Policy Booklet.

  • With Pet Insurance, you can typically claim for diagnostic expenses including x-rays, in relation to eligible conditions covered by your policy and up to your applicable annual condition limit. Elective or routine tests as well as treatment for Pre-existing conditions are not covered.

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