Affordable peace of mind for cat owners

  • Up to $11,000 cover every year on eligible bills
  • Easy payment options
  • First year of 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

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.

Ingestion of a foreign object
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.

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

What is not covered?

1

Like most insurance policies, we have excluded some conditions. This is to help keep your premiums low. RSPCA Pet Insurance does not cover behavioural problems, elective procedures, food and diets, grooming, pregnancy and any pre-existing conditions that your pet showed clinical signs of before you took out the insurance, or during the Waiting Period.

Are ongoing conditions covered for the life of the pet?

2

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.

More Information

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