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 2015 to December 2015

  • 125,988 claims paid

  • $20,128,418 in claims paid

  • 85% of claims processed within 5 days

Common Accident and Illness Claims*

Multiple fractures
Average Claim incl. GST, 2012-2013 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

Does RSPCA Pet Insurance offer benefits towards preventative treatment?

1

Yes, in line with the RSPCA’s policies we recommend and encourage responsible pet ownership. This includes desexing your dog or cat, microchipping and annual vaccination. If you choose the RSPCA Ultimate Accident & Illness Cover with optional Routine Care Cover you’ll receive benefits that cover part of the cost of these services.

I already have a wonderful vet. Can my pet still visit them?

2

Absolutely. With RSPCA Pet Insurance, you have the freedom to choose any licenced vet in Australia.

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

RSPCA Pet Insurance rating

RSPCA Pet Insurance is rate 4.9/5 on Feefo.net.au, based on 924 reviews.


RSPCA Pet Insurance is issued and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL No. 241436). It is distributed and promoted by Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884 (AFSL No. 343079) of 58 Norwest Blvd, Bella Vista NSW 2153 and by its Authorised Representative RSPCA Australia Incorporated (AR No. 296287). Information on this website is general only and does not consider your individual objectives or financial situation. Terms and Conditions apply. Please read the Policy booklet which contains the PDS and FSG to ensure these products are right for you.

Home Dog Insurance Cat Insurance Pet Care Compare Pet Insurance

Privacy policy Terms and conditions Policy booklet Complaints Site map