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 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 and registered 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

  • 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

What if my vet doesn’t have GapOnly?

1

When GapOnly isn’t available, an electronic pet insurance claim can either be made online by your treating vet or you can submit the claim yourself via our online pet portal. Claims would then be assessed and paid in the form of reimbursement of any eligible vet bill.

What if I change my mind after signing up with RSPCA Pet Insurance?

2

You have an obligation-free, 30-day cooling-off period from the start date of your policy to review and cancel your policy if you choose to. If we have already received your premium, we will gladly give you a full refund within this period, as long as you haven’t submitted or received payment for any claims.