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
Get a Quote & Buy Online ►

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.

Customers rate us
Rated 4.6/5
from 4,004 Reviews
Powered by Feefo

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.
Get a Quote & Buy Online ►

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
Felix

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.

- RSPCA Pet Insurance claim 2013.

Frequently asked questions

What pet insurance covers dental?

1

Generally speaking most pet insurance does not cover dental costs. However, a routine care plan which is available on some policies, may provide some cover for this cost. It’s important to speak with your provider to find out which policies cover dental.

What does pet insurance cover?

2

Standard pet insurance covers expenses due to specified accidental injuries and illnesses. For more comprehensive coverage, you can add optional Routine Care which provides cover for a range of preventative healthcare treatments up to a limit (such as desexing, teeth cleaning and vaccinations).

It’s also important to know how your insurance provider treats pre-existing conditions. For more information please refer to the relevant Policy Booklet.

More Information

...

Download Policy Booklet

...

Request an Info pack


Get a Quote & Buy Online ►