How to make a claim
Option 1 – Online claiming
For existing members please login and submit your claim via the following steps:
- Simply upload a copy of both the itemised invoice and the consultation notes from your vet visit.
- If this is your first claim, we require your pet’s full medical history from all previous vets from the time you first owned your pet.
- If your pet was adopted at an older age please supply adoption paperwork and medical records since adoption.
If you are a new member please sign up to manage your policy online.
Option 2 – Paper claiming
If you would prefer to send us your claim through the post, please ensure you have completed the following steps:
- Print a claim form and fill in your details, check that you have completed all areas on the claim form.
- Take it with you to the vet and ask them to fill out Section 2. Both you and your vet will need to sign the form.
- Attach the original itemised invoices, payment receipts and consultation notes and post them to: RSPCA Pet Insurance, Locked Bag 9021, Castle Hill NSW, 1765.
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
Claim Statistics from July 2023 to June 2024
529,185 RSPCA Pet Insurance Claims were processed
Over $117.5 million in benefits were paid
99.43% of claims were processed within 5 days
Common Accident and Illness Claims*
| Accident or illness | Average Claim Amount FY 2019 | Highest Claim Amount |
|---|---|---|
| Multiple fractures | $2,066.31 | $13,902.30 |
| Cancer | $3,503.74 | $34,183.61 |
| Gastroenteritis | $1,319.65 | $21,633.25 |
| Tick paralysis | $1,156.87 | $5,293.57 |
| Snake bite | $2,133.31 | $20,147.09 |
| Pneumonia | $1,610.57 | $7,316.41 |
| Arthritis | $688 | $12,460.85 |
| Diabetes | $1,952.39 | $16,712.25 |
| Ear infection | $883.38 | $14,271.26 |
| Cataracts | $1,755.15 | $14,916.84 |
| Dermatitis | $832.71 | $24,354.18 |
| Urinary tract infection | $814.49 | $12,223.63 |
* PetSure claims data from June 2018 – July 2019. Amounts include GST.
Frequently asked questions
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Routine desexing is an elective procedure and is a general exclusion under most policies. Under some policies, you can opt to have routine care which provides cover for desexing up to a limit.
Desexing procedures that are required to treat your pet’s reproductive organs due to inflammation, infection or cancer are generally covered under illness cover.
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Spaying is not considered an essential procedure in most pet insurance policies, so it's usually not covered. You may speak with your provider to see if you can purchase an optional benefit to cover spaying expenses.
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
