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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

$20,000

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.

  1. Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
  2. 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.
  3. 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.

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