Skip to content

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.

Annual benefit limit
RSPCA Ultimate Plus Accident & Illness Cover

$20,000

RSPCA Ultimate Accident & Illness Cover

$11,000

RSPCA Economy Accident & Illness Cover

$11,000

RSPCA General Accident & Illness Cover

$11,000

% of eligible vet bill reimbursed1
RSPCA Ultimate Plus Accident & Illness Cover

Up to 80%

RSPCA Ultimate Accident & Illness Cover

Up to 80%

RSPCA Economy Accident & Illness Cover

Up to 75%

RSPCA General Accident & Illness Cover

Up to 60%

Eligibility age
RSPCA Ultimate Plus Accident & Illness Cover

From 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 product

RSPCA Ultimate Accident & Illness Cover

From 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 product

RSPCA Economy Accident & Illness Cover

From 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 product

RSPCA General Accident & Illness Cover

From 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
RSPCA Ultimate Plus Accident & Illness Cover

RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA General Accident & Illness Cover


$2,000

Covers specified accidental injury
RSPCA Ultimate Plus Accident & Illness Cover

RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA General Accident & Illness Cover


Up to annual condition limit

Covers illnesses
RSPCA Ultimate Plus Accident & Illness Cover

RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA General Accident & Illness Cover


Up to annual condition limit

Multi-pet discount (applied to each additional policy)
RSPCA Ultimate Plus Accident & Illness Cover


10%

RSPCA Ultimate Accident & Illness Cover


10%

RSPCA Economy Accident & Illness Cover


10%

RSPCA General Accident & Illness Cover


10%

Routine Care Cover (optional)
RSPCA Ultimate Plus Accident & Illness Cover

Optional extra

RSPCA Ultimate Accident & Illness Cover

Optional extra

RSPCA Economy Accident & Illness Cover

RSPCA General Accident & Illness Cover

Tick paralysis
RSPCA Ultimate Plus Accident & Illness Cover


Subject to overall annual limit

RSPCA Ultimate Accident & Illness Cover


$1,200

RSPCA Economy Accident & Illness Cover


$1,000

RSPCA General Accident & Illness Cover


$2,000
(annual condition limit applies)

Emergency boarding fees
RSPCA Ultimate Plus Accident & Illness Cover


Subject to overall annual limit

RSPCA Ultimate Accident & Illness Cover


$1,000

RSPCA Economy Accident & Illness Cover


$1,000

RSPCA General Accident & Illness Cover


$500

Consultations and vet visits benefit
RSPCA Ultimate Plus Accident & Illness Cover


$300

RSPCA Ultimate Accident & Illness Cover


$300

RSPCA Economy Accident & Illness Cover


$300

RSPCA General Accident & Illness Cover


$300

Cruciate ligament conditions benefit
RSPCA Ultimate Plus Accident & Illness Cover


Subject to overall annual Limit

RSPCA Ultimate Accident & Illness Cover


$2,6002

RSPCA Economy Accident & Illness Cover


$2,6002

RSPCA General Accident & Illness Cover


$2,000
(annual condition limit applies)

Waiting periods
RSPCA Ultimate Plus Accident & Illness Cover

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