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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.
Cover option for your dog or puppy
Cover options to suit most budgets
(Exclusions, limits, sub-limits and annual condition limits may apply.)
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
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.
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.
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.
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.
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.
Pre-existing condition means a condition that first existed or occurred:
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.
from How you rate us - 4.6 out of 5 from 4,083 Feefo reviews
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