A stress-free claims process

  • Fast processing of claims
  • Update your account online

You can make a claim as soon as your dog or cat has visited the vet. Make sure you submit your claim so we receive it within 90 days of your pet’s treatment.



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.

Claim Statistics from January 2016 to December 2016

  • 158,381 claims paid

  • $24,970,248 in claims paid

  • 85% of claims processed within 7 days

Common Accident and Illness Claims*

Multiple fractures
Average Claim incl. GST, 20122013 FY

$2,444.88

Highest Claim

$19,325

Cancer
Average Claim incl. GST, 2012-2013 FY

$2,245.34

Highest Claim

$12,860

Gastroenteritis
Average Claim incl. GST, 2012-2013 FY

$541.26

Highest Claim

$10,524

Snake bite
Average Claim incl. GST, 2012-2013 FY

$1,673.22

Highest Claim

$16,596

Pneumonia
Average Claim incl. GST, 2012-2013 FY

$1,978.04

Highest Claim

$10,131

Arthritis
Average Claim incl. GST, 2012-2013 FY

$503.82

Highest Claim

$7,923

Diabetes
Average Claim incl. GST, 2012-2013 FY

$2,517.52

Highest Claim

$11,167

Ear infection
Average Claim incl. GST, 2012-2013 FY

$426.10

Highest Claim

$4311

Cataracts
Average Claim incl. GST, 2012-2013 FY

$2151.62

Highest Claim

$11,167

Dermatitis
Average Claim incl. GST, 2012-2013 FY

$221.70

Highest Claim

$4,850

Urinary tract infection
Average Claim incl. GST, 2012-2013 FY

$491.16

Highest Claim

$6,805

* Claim data as at June 2013


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.

How much of my vet’s bill is covered for illness or accident treatment?

2

You will receive back 75% or 80% (depending on your choice of cover) of the total costs of your dog or cat’s eligible treatment, depending on the annual limits and conditions set out in the Certificate of Insurance.

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