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What’s covered?

RSPCA Pet Insurance offer cover options which can help you manage the unexpected costs of your furry family members vet bills, so you can give them the best care possible. Our pet insurance comparison table below is provided to help you understand the differences in cover between our four plans. That way you can choose what’s best for you and your furry friend.

What is covered?RSPCA Ultimate Plus
Accident & Illness Cover
RSPCA Ultimate
Accident & Illness Cover
RSPCA Economy
Accident & Illness Cover
RSPCA General
Accident & Illness Cover
Annual benefit limit$20,000$11,000$11,000$11,000
% of eligible vet bill reimbursed1Up to 80%Up to 80%Up to 75%Up to 60%
Eligibility ageFrom 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the productFrom 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the productFrom 8 weeks old up to 9 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the productFrom 8 weeks old up to 16 years of age. Once insured cover can be kept for life, as long as you keep your pet’s policy in force and for as long as we offer the product
Annual condition limit
$2,000
Covers specified accidental injury
Up to annual condition limit
Covers illnesses
Up to annual condition limit
Multi-pet discount (applied to each additional policy)
10%

10%

10%

10%
Routine Care Cover (optional)Optional extraOptional extra
Tick paralysis
Subject to overall annual limit

$1,200

$1,000

$2,000
(annual condition limit applies)
Emergency boarding fees
Subject to overall annual limit

$1,000

$1,000

$500
Consultations and vet visits benefit
$300

$300

$300

$300
Cruciate ligament conditions benefit
Subject to overall annual limit

$2,6002

$2,6002

$2,000
(annual condition limit applies)
Waiting periods

No waiting period for specified accidental injuries
30 days for Illnesses
6 months for cruciate ligament Conditions
(may be waived on application – refer to the relevant Policy Booklet)

Unless specified, all benefit amounts are annual limits.

  1. Pre-existing conditions and some illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply
  2. You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance