Award-Winning Pet Insurance for your furry family members

  • Four levels of cover to choose from
  • Up to 80% of eligible vet bills reimbursed1
  • Claim up to $20,000 per year
  • No excess
  • 10% multi-pet discount
  • A portion of first-year premiums help support the RSPCA
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Award-Winning Pet Insurance

Were proud to offer you award-winning protection
for your furry best mate

Reader Digest Quality Award 2020
Reader Digest Quality Award 2019
Reader Digest Quality Award 2018
Reader Digest Quality Award 2017
Feefo Gold Trusted Service Award 2017
Feefo Gold Trusted Service Award 2018
Feefo Gold Trusted Service Award 2018

RSPCA Pet Insurance is affordable, 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 bills1 when your dog or cat becomes sick or is injured. There’s no excess to pay and you 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 to protect other Australian animals in need.

Four affordable levels of cover to choose from, with no excess

RSPCA Ultimate Plus Accident & Illness Cover

  • Covers both accidents and illnesses
  • Claim up to $20,000 per year
  • Up to 80% of eligible vet bills reimbursed1
  • Cover from 8 weeks up to 9 years of age
  • A portion of first-year premiums help support the RSPCA
  • Routine care available
    (as an optional extra)2
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RSPCA Ultimate Accident & Illness Cover

  • Covers both accidents and illnesses
  • Claim up to $11,000 per year
  • Up to 80% of eligible vet bills reimbursed1
  • Cover from 8 weeks up to 9 years of age
  • A portion of first-year premiums help support the RSPCA
  • Routine care available
    (as an optional extra)2
Get a Quote

RSPCA Economy Accident & Illness Cover

  • Covers both accidents and illnesses
  • Claim up to $11,000 per year
  • Up to 75% of eligible vet bills reimbursed1
  • Cover from 8 weeks up to 9 years of age
  • A portion of first-year premiums help support the RSPCA
Get a Quote

RSPCA General Accident & Illness Cover

  • Covers both accidents and illnesses
  • Claim up to $11,000 per year ($2,000 per condition)
  • Up to 60% of eligible vet bills reimbursed1
  • Cover from 8 weeks up to 16 years of age
  • A portion of first-year premiums help support the RSPCA
Get a Quote
  1. Pre-existing conditions are excluded. Limits and sub-limits may apply.
  2. Routine Care Cover is an additional cover you can add to your Ultimate Plus and Ultimate Accident & Illness Cover.
  3. One month free is applied as a discounted premium over the first year of cover. All quotes provided include this discount. Terms and conditions apply.
dog

Dog Insurance

Cover options for your dog or puppy

Learn more about Dog Insurance

cat

Cat Insurance

Cover options to suit most budgets

Learn more about Cat Insurance

Fast and easy application

1

Obtain a quote and secure cover online or over the phone

2

Your pet can be covered from midnight tonight

3

Receive cover for up to 80% of eligible vet bills
(Pre – existing conditions are excluded. Limits, sub-limits and annual condition limits may apply.)

Claim Statistics from July 2018 to June 2019

  • 317,000 RSPCA Pet Insurance Claims were processed

  • Over $42.9 million in benefits were paid

  • 98.8% of claims were processed within 5 days


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. Read more

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. Read more

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 your first-year’s premium will go to help support the great work of the RSPCA. Read more

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. Read more

  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

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
Most traditional policies don't cover behavioural problems, elective procedures, food and diet, grooming, pregnancy and pre-existing conditions (normally listed in the PDS). Please refer to insurer’s policy booklet.
Yes – as long as you continue to renew your policy with us each year with no break in cover, we will continue to provide cover for chronic, recurring or lifelong conditions such as cancer or arthritis. Benefits for these conditions, like any other, are subject to the annual policy limits and exclude Pre-existing Conditions.

View all FAQs


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