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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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 is GapOnly?

1

GapOnly allows your vet to lodge your claim during your visit, which is assessed in approximately 10 minutes. Once the claim for your insured pet has been processed and a benefit outcome is calculated, you simply pay the gap. That’s the difference between the vet’s invoice and your insurance benefit amount, so you don’t need to worry about being out of pocket while your claim is being processed.

Will pet insurance cover a torn ACL?

2

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.