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
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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 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.
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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.

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

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

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):

Example 1: 75% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 75% Benefit percentage is applied $1,500
Total claim benefit payment $1,500
Your out-of-pocket expense $500
Example 2: 80% Benefit Percentage
Total amount of eligible vet expenses incurred $2,000
Total amount claimable after the 80% Benefit percentage is applied $1,600
Total claim benefit payment $1,600
Your out-of-pocket expense $400
Lemmy

Meet Lemmy

At eight months old, our gorgeous labrador Lemmy's leg started to look a bit unusual. After a vet visit it was determined that the growth plate in her leg had shattered. It was suspected that this had occurred whilst playing with other dogs - a terrible accident. We had to make the decision to get a specialist surgeon to operate on her damaged leg. Thanks to having insurance, we didn't have to hesitate on our decision. If we didn't have insurance we may have been forced to have Lemmy put down as the expense was over $10,000. Even though her leg looks a bit funny now, it is fully healed after two surgeries and lots of time spent rehabilitating. Lemmy is like any other two year old labrador that loves her daily walks and playing with her fur friends. Lemmy wants to say a huge thank you to everyone at RSPCA Pet Insurance for not just saving her leg, but saving her life! Thank you! - Bonnie Montgomery

Frequently asked questions

Can you get pet insurance for rabbits?

1

While rabbits can make great pets in some states, like Queensland, rabbit ownership is banned entirely. As such, you can’t insure – or even legally keep – rabbits in places like Brisbane.

If you live in a state where a pet rabbit is legal, you can look into getting insurance through an ‘exotic pet’ plan. RSPCA Pet Insurance does not offer pet insurance for rabbits.

Why do you need pet insurance?

2

Whether your pet has an accident with a car, is injured in a park incident or simply contracts an illness that requires multiple vet visits, pet insurance can ease the burden of those expenses.

There are a huge number of treatments that fall under standard pet insurance, so it's an important part of owning a dog or cat – not just for your animal's continued wellbeing, but for your peace of mind as well.

More Information

...

Download Policy Booklet

...

Request an Info pack


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