Award-winning Pet Insurance for your dog

  • Four levels of cover to choose from
  • Up to 80% of eligible vet bills reimbursed1
  • Any registered vet in Australia
  • A portion of first-year premiums help support the RSPCA
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RSPCA Pet Insurance provides multi award-winning pet insurance for all types of dogs – big and small! When you choose any of our four great value pet insurance plans, you have the freedom to use any registered vet within Australia.

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What's covered

What is covered in all plans?^

  • Specified 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

  • Certain pre-existing conditions
  • Dental procedures
  • Behavioural problems
  • Elective treatments and 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.

Examples of how we settle your claim

The following calculations provide examples of how claims will be settled where cover is provided (these examples are indicative of the manner of calculation only and include GST):

Example 1: 75% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 75% Benefit percentage is applied $1,500
Total claim benefit payment $1,500
Your out-of-pocket expense $500
Example 2: 80% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 80% Benefit percentage is applied $1,600
Total claim benefit payment $1,600
Your out-of-pocket expense $400
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.

Frequently asked questions

What is the waiting period for pet insurance?

1

A waiting period is a period starting from the commencement date of the first policy period. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. For more information please refer to the relevant Policy Booklet. With RSPCA Pet Insurance the following waiting periods apply:

  • 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 for more information)

Are there any age limits for the insurance?

2

All our pet insurance policies are available from 8 weeks of age and depending on the level of cover you choose, you can take out cover for your pet up until 16 years of age. Once your pet is covered with RSPCA Pet Insurance they can be covered for life (provided there is no break in their policy, we continue to offer the product and subject to the terms and conditions of the renewal policy).
Note: Puppies and kittens under the age of 8 weeks are not able to be insured on any RSPCA Pet Insurance policy.