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
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.
Compare Dog Insurance Plans
RSPCA Pet Insurance offers four great value plans for your dog, which can help you manage the costs of unexpected vet bills. Our pet insurance comparison table is provided to help you understand the differences between each of our plans. That way you can choose a level of cover which suits the needs of your dog and budget.
| 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 reimbursed1 | Up to 80% | Up to 80% | Up to 75% | Up to 60% |
| Eligibility age4 | 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 | 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 | 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 | 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 | $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)3 | 10% | 10% | 10% | 10% |
| Routine Care Cover (optional) | Optional extra | Optional 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 | $2,6005 | $2,6005 | $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.
- Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
- Each new policy purchased on or after 02/03/2024 is entitled to one month free in your first year of cover (the first month). All quotes provided automatically include this offer. Terms and conditions apply.
- 10% multi-pet discount is applied to a second pet policy and each new additional policy. Terms and conditions apply.
- Once insured cover can be kept for life if you keep your pet’s policy in force and for as long as we offer the product. If we no longer offer this product, we may arrange for you to be offered a replacement policy that will start when your current policy ends. You’ll always have the option to opt out of the automatic renewal and/or replacement process at any time.
- You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance.
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
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):
| Claim | Example 1: 75% Benefit Percentage | Example 2: 80% Benefit Percentage |
|---|---|---|
| Total amount of eligible vet expenses incurred | $2,000 | $2,000 |
| Total amount claimable after Benefit percentage is applied | $1,500 | $1,600 |
| Total claim benefit payment | $1,500 | $1,600 |
| Your out-of-pocket expense | $500 | $400 |
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.
Frequently asked questions
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Absolutely. With RSPCA Pet Insurance, you have the freedom to choose any vet currently registered to practice in Australia.
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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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Given the multitude of pet insurance choices, premium prices can differ based on the policy you select, the species of your pet, their age, breed, and the average cost of care for pets like yours. For more information, give us a call or request a quote online.
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Of course. Whether your dog is a rescue, or comes from a breeder or pet store, they can get covered with RSPCA Pet Insurance – with 4 levels of protection available, your rescue is eligible as long as they meet all relevant assessment criteria.
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With RSPCA Pet Insurance, you can obtain coverage for older dogs. While the eligibility age for most plans is from 8 weeks old up to 9 years of age, the eligibility for RSPCA General Accident & Illness Cover extends to dogs up to 16 years of age. If the policy is taken out, coverage can be maintained for the dog's lifetime, as long as you keep your pet’s policy in force and for as long as we offer the product, subject to the terms and conditions of the renewal and/or replacement policy. If we no longer offer this product, we may arrange for you to be offered a replacement policy that will start when your current policy ends. You’ll always have the option to opt out of the automatic renewal and/or replacement process at any time.
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Dog insurance might not typically cover dental cleaning as part of standard policies. However, some plans do offer a routine care option that may help offset costs related to dental care, including cleaning. Give us a call, and we can let you know which of our policies provide cover for dental cleanings and other dental care procedures.
