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

Are ongoing conditions covered for the life of the pet?

1

Yes – as long as you continue to renew your policy with us each year with no break in cover, we will continue to provide cover for chronic, recurring or lifelong conditions such as cancer or arthritis. Benefits for these conditions, like any other, are subject to the annual policy limits and exclude Pre-existing Conditions.

Will pet insurance cover a pre-existing condition?

2

No – standard pet insurance policies do not cover pre-existing conditions. However, your provider may choose to extend coverage for an increased premium.

Felix

Meet Felix

Dogs, being curious, can swallow objects that they are not supposed to. After an x-ray, it was determined that a Golden Retriever had ingested a foreign object and it needed to be removed. The effects of digesting a foreign object can vary and if it does not pass they can become irritated and cause infection. Removal can require surgery and can be very expensive. In this case the owners were able to claim $7,299 from their vet bill, being 80% of the total cost. - RSPCA Pet Insurance claim 2013.

- RSPCA Pet Insurance claim 2013.