A stress-free claims process

  • Fast processing of claims
  • Update your account online

We understand how stressful it can be when your pet gets sick or injured, that’s why we offer two ways for you to submit a claim, either online or paper claiming. Plus, with RSPCA Pet Insurance you can make a claim as soon as your dog or cat has visited the vet.


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.

Claim Statistics from July 2018 to June 2019

  • 317,000 RSPCA Pet Insurance Claims were processed

  • Over $42.9 million in benefits were paid

  • 98.8% of claims were processed within 5 days

Common Accident and Illness Claims*

Multiple fractures
Average Claim Amount FY 2019

$2,066.31

Highest Claim Amount

$13,902.30

Cancer
Average Claim Amount FY 2019

$3,503.74

Highest Claim Amount

$34,183.61

Gastroenteritis
Average Claim Amount FY 2019

$1,319.65

Highest Claim Amount

$21,633.25

Tick paralysis
Average Claim Amount FY 2019

$1,156.87

Highest Claim Amount

$5,293.57

Snake bite
Average Claim Amount FY 2019

$2,133.31

Highest Claim Amount

$20,147.09

Pneumonia
Average Claim Amount FY 2019

$1,610.57

Highest Claim Amount

$7,316.41

Arthritis
Average Claim Amount FY 2019

$688

Highest Claim Amount

$12,460.85

Diabetes
Average Claim Amount FY 2019

$1,952.39

Highest Claim Amount

$16,712.25

Ear infection
Average Claim Amount FY 2019

$883.38

Highest Claim Amount

$14,271.26

Cataracts
Average Claim Amount FY 2019

$1,755.15

Highest Claim Amount

$14,916.84

Dermatitis
Average Claim Amount FY 2019

$832.71

Highest Claim Amount

$24,354.18

Urinary tract infection
Average Claim Amount FY 2019

$814.49

Highest Claim Amount

$12,223.63

* PetSure claims data from June 2018 – July 2019. Amounts include GST.

Frequently asked questions

Will pet insurance cover MRI?

1

It may be necessary for your vet or a medical specialist to conduct an MRI on your pet. If this is the case and it's not related to a pre-existing condition, your policy will likely cover a portion of the costs for an MRI – so long as you have the appropriate level of coverage and it is not an elective procedure.

Will my premium increase every year?

2

Yes, your premium will increase each year. This is for two main reasons:

Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.

Reason #2: Advancements in Veterinary Treatments. The overall cost of medical treatment for pets has increased in recent years due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer. While this is great news for the care of our pets, these treatments come at a significant cost. Year on year treatment costs increase, and this is factored into the cost of pet insurance.

Please see ‘How do you calculate my premium’ for more information about calculation of premiums.

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