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
Get a Quote & Buy Online ►

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 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 clinical signs of before you took out the insurance
  • 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.

How you can save on vet expenses with our cat insurance4

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)

Motor vehicle accident
Costs to you without insurance

$4,346.10

Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Fractured leg
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

$662.64

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2,395.73

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,268.71

4. Example is based on a 1 year old, Australia Mist insured on the RSPCA Ultimate Accident & illness Cover, which provides reimbursement of up to 80% of eligible vet bills. This is an 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

Can pet insurance be transferred to a new owner?

1

Depending on your pet insurance provider, you may be able to transfer a current pet insurance policy to a new owner. That means if you’re adopting an animal or your pet is getting a different owner, you can continue your policy without interruption.

It’s best to speak with your current insurance provider to find out if this is an option on your current plan. Call RSPCA Pet Insurance on 1300 881 492 for more information.

What pet insurance pays the vet direct?

2

The typical process of pet insurance requires you to make all necessary payments directly with your vet and then you can make a claim for reimbursement with your pet insurance provider for a portion of any eligible expenses. With RSPCA Pet Insurance you can make claims online by visiting our pet portal.

Note: Most Vets operate individually, so it’s best that you check the payment process with your vet, during your next visit.