Award-Winning Pet Insurance for your dog

  • Four levels of cover to choose from
  • 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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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

8 weeks 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

RSPCA Ultimate Accident & Illness Cover

8 weeks 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

RSPCA Economy Accident & Illness Cover

8 weeks 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

RSPCA General Accident & Illness Cover

8 weeks 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

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 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 accidental injury
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.
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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

Is my premium calculated the same way as my Private Health Insurance?

1

No. Pet insurance does not work like health insurance. Health insurance is ‘community rated’, which means that everyone pays the same premium for their health insurance regardless of their individual health status, age or claims history. This is not the case for pet insurance.

Health insurance providers are able to community rate health insurance because there are many other factors at play in the human health care system, such as Medicare and government rebates and subsidies, which is not the case with veterinary care and pet insurance.

Pet insurance claim reimbursements are paid for purely by the premiums received by those who insure their pets. In order for each person to pay a fair price for their pet insurance, premiums vary depending on your and your pet’s risk factors.

How do you calculate my premium?

2

New policies

Your premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the benefit percentage applicable to the cover you have chosen, the species, breed and age of your pet and other factors related to our cost of doing business.

Renewing policies

Factors that are taken into consideration for renewal premium calculation include your pet’s age and breed, as well as data relating to the health of pets that are of a similar age and breed. Each year we review premiums based on these factors to ensure we can accommodate the costs of possible treatment up to your annual benefit limit, in the event that your pet becomes injured or ill.

More Information

...

Download Policy Booklet

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Request an Info pack


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