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

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 July 2017 to June 2018

  • 222,743 claims paid

  • $36,142,377 in claims paid

  • 98.7% of claims processed within 5 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

What does RSPCA Pet Insurance cover?

1

RSPCA Pet Insurance covers your dog or cat for a range of Accidental Injury and Illnesses – from minor problems such as ear infections and bee stings, to major conditions such as broken bones, diabetes and cancer. Depending on which plan you choose, you can protect your pet against Accidental Injury only or both Accidental Injury and Illnesses.

By adding Routine Care Benefits to your RSPCA Premium Accident & Illness policy, you can also cover your dog or cat for preventative care such as flea, tick and worm control, vaccinations and teeth cleaning.

What if I change my mind after signing up with RSPCA Pet Insurance?

2

You have an obligation-free, 30 day cooling-off period from the start date of your policy to review and cancel your policy if you choose to. If we have already received your premium, we will gladly give you a full refund within this period, as long as you haven’t submitted or received payment for any claims.
Lemmy

Meet Lemmy

At eight months old, our gorgeous labrador Lemmy's leg started to look a bit unusual. After a vet visit it was determined that the growth plate in her leg had shattered. It was suspected that this had occurred whilst playing with other dogs - a terrible accident. We had to make the decision to get a specialist surgeon to operate on her damaged leg. Thanks to having insurance, we didn't have to hesitate on our decision. If we didn't have insurance we may have been forced to have Lemmy put down as the expense was over $10,000. Even though her leg looks a bit funny now, it is fully healed after two surgeries and lots of time spent rehabilitating. Lemmy is like any other two year old labrador that loves her daily walks and playing with her fur friends. Lemmy wants to say a huge thank you to everyone at RSPCA Pet Insurance for not just saving her leg, but saving her life! Thank you! - Bonnie Montgomery