Affordable peace of mind for dog owners

  • Up to $11,000 cover every year on eligible bills
  • Easy payment options
  • 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.

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
  • Infectious diseases

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 Russel.

Foreign Body Digest
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

$452.22

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2185.11

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,479.33

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


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

Does RSPCA Pet Insurance offer benefits towards preventative treatment?

1

Yes, in line with the RSPCA’s policies we recommend and encourage responsible pet ownership. This includes desexing your dog or cat, microchipping and annual vaccination. If you choose the RSPCA Ultimate Accident & Illness Cover with optional Routine Care Cover you’ll receive benefits that cover part of the cost of these services.

What if I change my mind after signing up with RSPCA Pet Insurance?

2

You have an obligation-free, 30 day cooling-off period from the start date of your policy to review and cancel your policy if you choose to. If we have already received your premium, we will gladly give you a full refund within this period, as long as you haven’t submitted or received payment for any claims.

More Information

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Download Policy Booklet

Download Policy Booklet

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