Award winning pet insurance for your dog

  • Up to $11,000 cover every year on eligible bills
  • Easy payment options
  • First year of premiums help support the RSPCA
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RSPCA Pet Insurance provides pet health insurance cover for dogs great and small. You can choose from three great value plans, with no excess to pay. You also have the freedom to choose any licensed vet within Australia.

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Compare Dog Insurance Plans

RSPCA Pet Insurance offers three great pet insurance plans that can help you manage the unexpected costs of veterinary bills for your dog. Check our pet insurance comparison table to understand the differences in coverage between our plans, and to find the best plan for your dog.

For dogs aged
RSPCA Ultimate Accident & Illness Cover

From 8 weeks old and younger than 9 years old. Once insured cover can be kept for life as long as you keep your pet’s policy in force.

RSPCA Economy Accident & Illness Cover

From 8 weeks old and younger than 9 years old. Once insured cover can be kept for life as long as you keep your pet’s policy in force.

RSPCA Basic Accident Only Cover

Entry level age from 8 weeks old.

Maximum yearly benefit
RSPCA Ultimate Accident & Illness Cover

$11,000

RSPCA Economy Accident & Illness Cover

$11,000

RSPCA Basic Accident Only Cover

$7,000

Multi-pet discount
RSPCA Ultimate Accident & Illness Cover

10%

RSPCA Economy Accident & Illness Cover

10%

RSPCA Basic Accident Only Cover

10%

Covers Accidental Injury
RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA Basic Accident Only Cover

Covers illnesses
RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA Basic Accident Only Cover

% of eligible vet bill reimbursed (pre-existing conditions are excluded)
RSPCA Ultimate Accident & Illness Cover

up to 80%

RSPCA Economy Accident & Illness Cover

up to 75%

RSPCA Basic Accident Only Cover

up to 80%

Routine care benefit*
RSPCA Ultimate Accident & Illness Cover

RSPCA Economy Accident & Illness Cover

RSPCA Basic Accident Only Cover

Overall annual claim maximum

We will pay up to the annual maximum for any one claim or total eligible veterinary expenses each year
RSPCA Ultimate Accident & Illness Cover

$11,000 plus routine care cover*

RSPCA Economy Accident & Illness Cover

$11,000

RSPCA Basic Accident Only Cover

$7,000

Paralysis tick benefit (yearly)
RSPCA Ultimate Accident & Illness Cover

$1,200

RSPCA Economy Accident & Illness Cover

$1,000

RSPCA Basic Accident Only Cover

No

Cruciate Ligament Conditions benefit (yearly)
RSPCA Ultimate Accident & Illness Cover

$2,600**

RSPCA Economy Accident & Illness Cover

$2,600**

RSPCA Basic Accident Only Cover

$2,600**

Consultations and Vet Visits (yearly)
RSPCA Ultimate Accident & Illness Cover

$300

RSPCA Economy Accident & Illness Cover

$300

RSPCA Basic Accident Only Cover

$300

Emergency boarding fees when you’re in hospital for more than four days (yearly)
RSPCA Ultimate Accident & Illness Cover

$1,000

RSPCA Economy Accident & Illness Cover

$1,000

RSPCA Basic Accident Only Cover

$500

Waiting period
RSPCA Ultimate Accident & Illness Cover

30 days for illness conditions;
6 months for cruciate ligament
(can be waived, see Policy booklet)

RSPCA Economy Accident & Illness Cover

30 days for illness conditions;
6 months for cruciate ligament
(can be waived, see Policy booklet)

RSPCA Basic Accident Only Cover

6 months for cruciate ligament
(can be waived, see Policy booklet)

* Routine Care Cover is an additional cover you can add to your Ultimate Accident & Illness Cover.
** You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.
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What's covered

What is covered in all plans

  • Accidental injury
  • After-hours emergency visits
  • Lab and diagnostic tests^
  • Hospitalisation^
  • Radiology^
  • Medicine and drugs^
  • Cruciate ligament surgery (6 month waiting period, may be waived on application)

Only in Ultimate and Economy

  • Illnesses
  • Annual paralysis tick benefit
  • Cancer treatment
  • Skin conditions e.g. allergies

Exclusions

  • Pre-existing conditions that your pet showed clinical signs of before you took out the insurance
  • Dental procedures
  • Behavioural problems
  • Elective procedures
  • Food and diets
  • Grooming
  • Pregnancy
  • Pet accessories

Check out the list of all exclusions

Routine Care

By choosing our Ultimate plan, you can claim for these routine care benefits, if you add our optional Routine Care Cover:

  • 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

^ Will only be covered on the RSPCA Basic Accident Only Cover as a direct result of an accident.

How you can save on costs with dog insurance1

The below example is based on a 1 year old Jack Russell.

Ingestion of a foreign object
Costs to you without insurance

$1,148.50

Costs to you with insurance

$229.70 (after reimbursement of $918.80)

Motor vehicle accident
Costs to you without insurance

$4,346.10

Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Fractured leg
Costs to you without insurance

$3,169.84

Costs to you with insurance

$633.97 (after reimbursement of $2,535.87)

Total Vet Bills
Costs to you without insurance

$8,664.44

Costs to you with insurance

$1,732.89

Insurance premiums for one year
Insurance premiums for one year

 

Costs to you with insurance

$546.96

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2,279.85

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,364.59

1. Example based on a 1 year old, Jack Russell insured on the RSPCA Accident and Illness Cover. Industry example, vet costs may vary.

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.

Frequently asked questions

How does pet insurance work?

1

Pet insurance covers up to a set percentage of the cost of eligible vet bills when your animal friend is sick or injured. You choose your level of cover and then make payments – usually monthly – to your provider. When it’s time to make a claim, if your vet expense is covered under your policy, your insurer will cover a portion of the costs.

Will pet insurance cover elbow dysplasia?

2

Most pet insurance policies will cover elbow dysplasia so long as the condition is diagnosed after taking out a policy and after any waiting periods. Check with your provider if there are any age limits to certain issues like dysplasia.

More Information

...

Download Policy Booklet

Download Policy Booklet

...

Request an Info pack

Request an Info pack


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