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

What does RSPCA Pet Insurance cover?

1

RSPCA Pet Insurance covers your dog or cat for a range of Accidental Injury and Illnesses – from minor problems such as ear infections and bee stings, to major conditions such as broken bones, diabetes and cancer. Depending on which plan you choose, you can protect your pet against Accidental Injury only or both Accidental Injury and Illnesses.

By adding Routine Care Benefits to your RSPCA Premium Accident & Illness policy, you can also cover your dog or cat for preventative care such as flea, tick and worm control, vaccinations and teeth cleaning.

Will my premium increase every year?

2

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.

Esme

Meet Esme

“I adopted my cat ‘Esme’ in January 2012 and took RSPCA Pet Insurance not long after (even though I was told by a very-thorough Vet check that Esme was in great health). In October of the same year, we noticed that Esme wasn’t really eating and was developing a lump on her back thigh. Within 24 hours, she got worse so we started to panic and rushed her to the Vet to find out my naughty, little Esme was in a fight and ended up with a very large abscess on her back thigh.

She went in for immediate surgery and had the abscess drained. At the time, money was the last thing on my mind so paying the surgery upfront and for her post-op visits weren’t noticed until I received my credit card bill the next month. Then the weight of that debt really stressed me. In total, I had paid approximately $1500 for the surgery and post-op visits which is money I really couldn’t spare.

After filing my claim from RSPCA Pet Insurance, I must admit it was a HUGE weight lifted from my shoulders as I got around 80% back. I am very thankful for the quick process of my claim and the funds were received within days of posting my claim.

Esme has since been grounded and not allowed outside after dark but she has definitely returned to her healthy, happy self.

- Tiffany Simon

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