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
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RSPCA Pet Insurance provides award-winning health cover for all types of cats. When you choose from any of our four great value plans, there’s no excess to pay and you have the freedom to use any licensed and registered vet within Australia.

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What's covered

What is covered in all plans?^

  • Accidental injuries and illnesses
  • Tick paralysis
  • Cancer treatment
  • Skin conditions
  • Hereditary and congenital conditions
  • Emergency boarding
  • Eye and ear conditions
  • Cruciate ligament conditions (6 month waiting period applies but may be waived on application)
  • Essential euthanasia
  • Pet overseas travel insurance (New Zealand and the Norfolk Islands only)

Exclusions

  • Pre-existing conditions that your pet showed signs or symptoms of prior to the commencement date of coverage or within the applicable waiting periods
  • Dental procedures
  • Behavioural problems
  • Elective procedures
  • Food and diets
  • Grooming
  • Pregnancy
  • Pet accessories

For a full list of all exclusions, please refer to the relevant Policy booklet.

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

^ Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.

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):

Example 1: 75% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 75% Benefit percentage is applied $1,500
Total claim benefit payment $1,500
Your out-of-pocket expense $500
Example 2: 80% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 80% Benefit percentage is applied $1,600
Total claim benefit payment $1,600
Your out-of-pocket expense $400
Esme

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

Is pet insurance worth the cost?

1

It’s often hard to know what’s wrong with our pets since they aren’t able to tell us how they are feeling. And vet bills can get very expensive for even the smallest issue. Pet insurance can provide peace of mind and cover a large portion of eligible vet bills – which is certainly worth it when the unexpected happens. Learn more

What pet insurance covers teeth cleaning?

2

Teeth cleaning falls into the dental care category and is not generally covered in basic plans. You may decide to take out a policy that covers dental treatments such as teeth cleaning, so be sure to speak to your provider to find out what is covered.