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
Get a Quote to Win ►
Win $5,000 Cash[1]

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


  • 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 insurance2

The below example is based on a 1 year old Jack Russel.

Foreign Body Digest
Costs to you without insurance


Costs to you with insurance

$229.70 (after reimbursement of $918.80)

Motor vehicle accident
Costs to you without insurance


Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Fractured leg
Costs to you without insurance


Costs to you with insurance

$633.97 (after reimbursement of $2,535.87)

Total Vet Bills
Costs to you without insurance


Costs to you with insurance


Insurance premiums for one year
Insurance premiums for one year


Costs to you with insurance


Total costs
Costs to you without insurance


Costs to you with insurance


Total saving
Costs to you without insurance


Costs to you with insurance


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

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

What is covered under Accidental Injury?


A physical or bodily injury that happens accidentally to your dog or cat from an external, violent and visible means, such as a broken bone, snake bites, or lacerations caused in a dog fight.

Are ongoing conditions covered for the life of the pet?


Yes – as long as you continue to renew your policy with us each year with no break in cover, we will continue to provide cover for chronic, recurring or lifelong conditions such as cancer or arthritis. Benefits for these conditions, like any other, are subject to the annual policy limits and exclude Pre-existing Conditions.

More Information


Download Policy Booklet

Download Policy Booklet


Request an Info pack

Request an Info pack

  1. Competition start date: 1/10/2015 at 12:01am AEST. Close date: 30/11/2015 at 11:59pm AEST. Draw dates: 03/12/2015 at 2:00pm AEST. Total Prize Value: $5,000. Entry is open to Australian residents. Entrants must be 18 years of age or older to enter, and must have completed a quote for RSPCA Pet Insurance. By entering, you consent to the Terms and Conditions.

RSPCA Pet Insurance is issued and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL No. 241436). It is distributed and promoted by Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884 (AFSL No. 343079) of 58 Norwest Blvd, Bella Vista NSW 2153 and by its Authorised Representative RSPCA Australia Incorporated (AR No. 296287). Information on this website is general only and does not consider your individual objectives or financial situation. Terms and Conditions apply. Please read the Policy booklet which contains the PDS and FSG to ensure these products are right for you.

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