$20,000
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
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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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.
Annual benefit limit
RSPCA Ultimate Plus Accident & Illness Cover
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
$2,6003
RSPCA Economy Accident & Illness Cover
$2,6003
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.
- Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
- One month free is applied as a discounted premium over the first year of cover. All quotes provided include this discount. Terms and conditions apply.
- 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.
