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

Which pets are eligible?

1

You can apply for RSPCA Pet Insurance for any cat or dog that is aged between eight weeks and younger than nine years at the time you apply. Once your dog or cat is accepted, you can continue to cover them for life. There is no upper age limit to qualify for the RSPCA Accident Only cover.

Who is RSPCA Pet Insurance?

2

RSPCA Pet Insurance is offered by RSPCA Australia Incorporated, and distributed and promoted by Hollard Financial Services Pty Ltd (HFS). It is underwritten by The Hollard Insurance Company Pty Ltd (Hollard) and administered by PetSure (Australia) Pty Ltd (PetSure).

The RSPCA is Australia’s most recognised and best-loved animal welfare organisation, with a history stretching back more than 140 years. Our underwriting partner, The Hollard Insurance Company, is a member of the international Hollard Insurance Group, with 6.5 million policyholders worldwide. PetSure is the leading Australian pet insurance underwriting manager and administrator.

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