Award-Winning Pet Insurance for your dog

  • Up to 80% of eligible vet bills reimbursed1
  • Use any licensed vet in Australia
  • A portion of first-year premiums help support the RSPCA
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RSPCA Pet Insurance provides award-winning pet health cover for all types of dogs – big and small! When you choose any of our four great value pet insurance plans, there’s no excess to pay and you have the freedom to use any licensed vet within Australia.

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What's covered

What is covered in all plans?^

  • 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

  • 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

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.

How you can save on vet expenses with our dog insurance4

Ingestion of a foreign object
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

$703.71

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2,436.60

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,227.84

4. Example based on a 1 year old, Jack Russell Terrier insured on the RSPCA Ultimate Accident & Illness Cover, which provides reimbursement of up to 80% of eligible vet bills. This is an industry example, vet costs may vary.

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

Will pet insurance cover a torn ACL?

1

So long as there are no pre-existing conditions that may be relevant to anterior cruciate ligament (ACL) injuries, most pet insurance coverage will take care of a portion of your pet’s ACL expenses. However, do note that most providers required a six-month waiting period for ACL injuries.

I already have a wonderful vet. Can my pet still visit them?

2

Absolutely. With RSPCA Pet Insurance, you have the freedom to choose any licenced vet in Australia.