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 discount
  • A portion of first-year premiums help support the RSPCA
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Award-winning Pet Insurance

We’re proud to offer you award-winning protection for your furry best mate

Reader Digest Trusted Service Award 2021
Reader Digest Quality Award 2020
Reader Digest Quality Award 2019
Reader Digest Quality Award 2018
Reader Digest Quality Award 2017
Reader Digest Quality Award 2016
ProductReview Pet Insurance Award 2022
Feefo Platinum Trusted Service Award 2021
Feefo Platinum Trusted Service Award 2020
Feefo Gold Trusted Service Award 2019
Feefo Gold Trusted Service Award 2018
Feefo Gold Trusted Service Award 2017
Readers Digest Silver Quality Award 2022

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.


Dog Insurance

Cover options for your dog or puppy

Learn more about Dog Insurance


Cat Insurance

Cover options to suit most budgets

Learn more about Cat Insurance

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 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

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.

Learn more about GapOnly™
^ At participating vets only. To find your closest vet visit GapOnly™
+ Assessment times may vary.

Other Frequently Asked Questions

A pre-existing condition is:

  • A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period.
  • A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of.

This is irrespective of whether the underlying or causative condition was diagnosed at the time.

Whether it is a pre-existing condition will depend on its nature and experience. Outside of any applicable waiting period, if your Pet has a Temporary Condition that is considered to be a Pre-existing Condition (because it occurred or existed prior to the Commencement Date of the First Policy Period, or during any applicable Waiting Period, but that Condition has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date), it will no longer be excluded from Cover as a Pre-existing Condition. Chronic Conditions and several other specified Conditions cannot fall within this category. 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:

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

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