Award-winning Pet Insurance for your cat
- Four levels of cover to choose from
- Claim up to $20,000 per year
- 10% multi-pet discount
- A portion of first-year premiums help support the RSPCA
RSPCA Pet Insurance provides multi award-winning pet insurance for all types of cats. When you choose from any of our four great value plans, you have the freedom to use any registered vet within Australia.
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Compare Cat Insurance Plans
RSPCA Pet Insurance offers four great pet insurance plans for your cat, which can help you manage the unexpected costs of vet bills. Our pet insurance comparison table is provided to help you understand the differences in our four plans. That way you can choose a level of cover which suits the needs of your cat and budget.
| What is covered | RSPCA Ultimate Plus Accident & Illness Cover | RSPCA Ultimate Accident & Illness Cover | RSPCA Economy Accident & Illness Cover | RSPCA General Accident & Illness Cover |
|---|---|---|---|---|
| Annual benefit limit | $20,000 | $11,000 | $11,000 | $11,000 |
| % of eligible vet bill reimbursed1 | Up to 80% | Up to 80% | Up to 75% | Up to 60% |
| Eligibility age | From 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the product | From 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the product | From 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the product | From 8 weeks old up to 16 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the product |
| Annual condition limit | $2,000 | |||
| Covers specified accidental injury | Up to annual condition limit | |||
| Covers illnesses | Up to annual condition limit | |||
| Multi-pet discount (applied to each additional policy) | 10% | 10% | 10% | 10% |
| Routine Care Cover (optional) | Optional extra | Optional extra | ||
| Tick paralysis | Subject to overall annual limit | $1,200 | $1,000 | $2,000 (annual condition limit applies) |
| Emergency boarding fees | Subject to overall annual limit | $1,000 | $1,000 | $500 |
| Consultations and vet visits benefit | $300 | $300 | $300 | $300 |
| Cruciate ligament conditions benefit | Subject to overall annual limit | $2,6003 | $2,6003 | $2,000 (annual condition limit applies) |
| Waiting periods | No waiting period for specified accidental injuries 30 days for Illnesses 6 months for cruciate ligament conditions (may be waived on application – refer to the relevant Policy Booklet) | |||
Unless specified, all benefit amounts are annual limits.
- Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
- 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.
- You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance.
Routine Care Cover (optional extra)
You can choose to add our optional Routine Care Cover to either the RSPCA Ultimate or RSPCA Ultimate Plus Cover, and claim for benefits such as;
- 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
Examples of how we settle your claim
The following calculations provide examples of how claims will be settled where cover is provided (these examples are indicative of the manner of calculation only and include GST):
| Claim | Example 1: 75% Benefit Percentage | Example 2: 80% Benefit Percentage |
|---|---|---|
| Total amount of eligible vet expenses incurred | $2,000 | $2,000 |
| Total amount claimable after Benefit percentage is applied | $1,500 | $1,600 |
| Total claim benefit payment | $1,500 | $1,600 |
| Your out-of-pocket expense | $500 | $400 |
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
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The great thing about pet insurance is the incredible range of choice. If you want to switch providers, you can do so whenever you please – just be aware there may be waiting periods with your new insurer. There are also risks associated with changing policies as your new insurer may consider a condition your pet has already suffered as a pre-existing condition, while your current insurer may cover it.
Alternatively you might want to upgrade your current policy and stay with the same provider, in which case there may be no additional waiting periods.
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Our pets' lives are often unpredictable, and when the unexpected happens it can end up costing Australians thousands (or more) in vet expenses. Pet insurance eases the burden and means you can be properly covered for any of your pet's accidents or injuries. Get a quote today.
