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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 coveredRSPCA 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)3
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

$2,6004

$2,6004

$2,000
(annual condition limit applies)
Waiting periodsNo 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 certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
  2. 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.
  3. 10% multi-pet discount is applied to a second pet policy and each new additional policy. Terms and conditions apply.
  4. You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance.

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.

^ Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.

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):

ClaimExample 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

  • Absolutely. With RSPCA Pet Insurance, you have the freedom to choose any vet currently registered to practice in Australia.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

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