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 any licensed and registered vet in Australia.


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 signs or symptoms of prior to the commencement date of coverage or within the applicable waiting periods
  • 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

Can I get pet insurance for an older dog?

1

You can apply for pet insurance as long as your pet is over 8 weeks old and younger than 9 years for RSPCA Economy, Ultimate and Ultimate Plus Cover and under 16 years for RSPCA General Cover. Once your pet is accepted and as long as you continue to renew your policy, your pet will be covered for eligible Vet Expense.

What is pet insurance?

2

Pet insurance is a way to protect your animal’s health and wellbeing now and into the future. For a regular payment (called premiums), you can claim back a set percentage of certain eligible expenses incurred for the treatment of your pet. It’s a way to save on expensive vet bills should the unexpected happen.

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