Help your dog or cat get the very best care

Three affordable cover levels to choose from
Easy payment options
First year of premiums help support the RSPCA

RSPCA Pet Insurance covers up to 80% of the cost of eligible vet bills when your dog or cat is sick or injured. This is one way to help with financial support for those vet bills, large and small, which often come with sudden and unexpected accidents or illnesses, remember you can choose any licensed vet across Australia. And when you need to make a claim, we make the process as fast and stress-free as possible, with personalised service from our expert team of pet insurance specialists.

Pet insurance benefits

Help other Australian animals, with a portion of your first year premiums going to support the great work of the RSPCA.
Make multiple claims against eligible vet bills up to a maximum of $11,000 per year.
No excess to pay.
Receive back up to 80% of eligible vet bills (pre-existing conditions are excluded).
Benefit from a stress-free claim process, with fast processing and personalised service.

Use any licensed vet in Australia.
Multi-pet discount – Get pet insurance for more than one dog or cat, and you’ll qualify for up to 10% discount on each new additional policy.
Make easy fortnightly, monthly or annual payments by direct debit or credit card.
Lifetime cover – Once you have RSPCA Pet Insurance, your cover can be renewed for the life of your pet.

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A portion of your first year premiums supports the RSPCA

By choosing to cover your dog or cat, you’ll be supporting thousands of animals that aren’t as lucky as your pet. A portion of your first year premiums will benefit the RSPCA, helping them to protect other Australian animals, as well as those closest to your heart. So you’ll be providing support for all animals in need, not just your best friend.

Frequently asked questions

Will my premium increase every year?

Yes, your premium will increase each year. This is for two main reasons:

Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.

Reason #2: Advancements in Veterinary Treatments. The overall cost of medical treatment for pets has increased in recent years due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer. While this is great news for the care of our pets, these treatments come at a significant cost. Year on year treatment costs increase, and this is factored into the cost of pet insurance.

Please see ‘How do you calculate my premium’ for more information about calculation of premiums.

What pet insurance covers luxating patella?

Luxating patella is a common condition where your animal’s kneecaps dislocate suddenly or don’t stay in the correct place. While many premium policies will cover luxating patella, it’s important to verify this with your provider to ensure you are on the right plan.

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.

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