Affordable peace of mind for cat owners

  • Up to $11,000 cover every year on eligible bills
  • Easy payment options
  • Premiums help support the RSPCA
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RSPCA Pet Insurance provides cat health insurance cover for every cat. With three great-value plans to choose from – and no excess to pay, you’re sure to find the perfect plan for your cat’s needs – and your budget with 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 (6 month waiting period, may be waived on application)

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 you can save on costs with cat insurance1

The below example is based on a 1 year old Australia Mist.

Foreign Body Digest
Costs to you without insurance

$1,148.50

Costs to you with insurance

$229.70 (after reimbursement of $918.80)

Jaw Trauma
Costs to you without insurance

$4,346.10

Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Pneumonia
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

$546.96

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2,248.24

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,416.20

1. Example based on a 1 year old, Australia Mist insured on the RSPCA Ultimate Accident and illness Cover. Industry example, vet costs may vary.


Meet Esme

“I adopted my cat ‘Esme’ in January 2012 and took RSPCA Pet Insurance not long after (even though I was told by a very-thorough Vet check that Esme was in great health). In October of the same year, we noticed that Esme wasn’t really eating and was developing a lump on her back thigh. Within 24 hours, she got worse so we started to panic and rushed her to the Vet to find out my naughty, little Esme was in a fight and ended up with a very large abscess on her back thigh.

She went in for immediate surgery and had the abscess drained. At the time, money was the last thing on my mind so paying the surgery upfront and for her post-op visits weren’t noticed until I received my credit card bill the next month. Then the weight of that debt really stressed me. In total, I had paid approximately $1500 for the surgery and post-op visits which is money I really couldn’t spare.

After filing my claim from RSPCA Pet Insurance, I must admit it was a HUGE weight lifted from my shoulders as I got around 80% back. I am very thankful for the quick process of my claim and the funds were received within days of posting my claim.

Esme has since been grounded and not allowed outside after dark but she has definitely returned to her healthy, happy self.

- Tiffany Simon

Frequently asked questions

When will my policy start and when can I claim?

1

Your policy will start at one minute to midnight on the day that we accept your application. You can claim immediately for events covered under the Accidental Injury Cover section of the policy, provided the accident occurred after the start date.

As long as you have chosen Illness Cover, available only under RSPCA Economy Accident & Illness Cover and RSPCA Ultimate Accident & Illness Cover you can claim for illnesses for your dog or cat that first occurred 30 days after the start date of the policy.

There is a waiting period of six months, beginning from the start date of the first policy period for cruciate ligament conditions, regardless of what caused the condition. You can have this waiting period waived by completing the Cruciate Ligament Waiver Form, following the instructions explained in the form that you completed for your pet.

I already have a wonderful vet. Can my pet still visit them?

2

Absolutely. With RSPCA Pet Insurance, you have the freedom to choose any licenced vet in Australia.

More Information

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Download Policy Booklet

Download Policy Booklet

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Request an Info pack

Request an Info pack