Help your dog or cat get the very best care
- Four levels of cover to choose from
- Claim up to $20,000 per year
- Covers up to 80% of eligible vet bills1
RSPCA Pet Insurance is flexible and provides peace of mind for pet owners across all of Australia. Our pet insurance plans cover up to 80% of the cost of eligible vet bills, with no excess to pay, when your dog or cat becomes sick or injured. You also have the freedom to submit and track claims, update your details and easily manage your policy online.
Pet insurance benefits
- Use any registered vet in Australia.
- Make multiple claims against eligible vet bills up to a maximum of $20,000 per year.
- 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.
- Receive back up to 80% of eligible vet bills1.
- Make easy fortnightly, monthly or annual payments by direct debit or credit card.
- No excess to pay.
- Lifetime cover — Once you have RSPCA Pet Insurance, you can keep renewing your policy for as long as we continue to offer it. If we no longer offer this product, we may arrange for you to be offered a replacement policy that will start when your current policy ends. You’ll always have the option to opt out of the automatic renewal and/or replacement process at any time.
- Benefit from a stress-free claims process, with fast processing and personalised service.
1 Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
2 Each new policy purchased on or after 02/03/2024 is entitled to one month free in your first year of cover (the first month). All quotes provided automatically include this offer. Terms and conditions apply.
Frequently asked questions
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Most policies do see an increase in premium payments each year. One of the main factors that can cause this include your pets age. As your pet ages the risk of illness increases making vet visits more likely. It’s best to speak with your provider to discuss your chosen policies and the cost of your premium.
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So long as your dog or cat is at least eight weeks old you can take out a pet insurance policy, allowing them to be covered for specified accidental injuries immediately.
There are, however, waiting periods to consider for other coverage. There is usually a 30-day waiting period for illness and a longer 6-month waiting period for cruciate ligament conditions. However, with RSPCA Pet Insurance this may be waived on the application, so call now on 1300 855 150 to discuss your pet’s situation.
If a condition exists or occurs during the waiting period or before the commencement date of the first policy period, it will be considered a pre-existing condition and may be excluded from cover. Whether that is the case will depend on the nature and experience of the condition, and some conditions are eligible for review after an 18-month period. For more information please refer to the relevant Policy Booklet.
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If you need to make a claim, there are a few steps you need to take.
If you’re claiming online, start by logging into the pet insurance portal. To submit the claim, you will need to upload a copy of both the itemised invoice and any consultation notes from the vet appointment. If this is your first claim, you’ll also need to include all relevant vet and medical paperwork from your pet’s history.
If making a claim via post, print your pet insurance claim form and fill out all the information. Then take it into your vet so they can fill out their specific section. After both you and your vet have signed the claim, simply send it off!
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When you own a pet, you have to consider a range of different costs to keep them healthy and happy. This includes everything from food and bedding to toys, collars, microchipping and more.
While these costs are predictable, vet visits aren’t always as easy to plan for. Common check-ups and annual vaccinations generally cost in the region of $90 for your dog and $80 for your cat. However, accidents and severe illnesses can be unexpected and see your pet receive more specialised vet treatments. These can cost hundreds or even thousands of dollars at a time.
Because of the unknown factor, pet insurance for your cat or dog can mean you have peace of mind knowing your best bud is covered for those unexpected and expensive vet visits.
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Like food, bedding expenses, and flea, tick and worming treatments, pet grooming is considered part of standard day-to-day care. Therefore, it is considered non-essential and is not a benefit in most insurers’ pet policies.
You should familiarise yourself with your provider’s cover inclusions list and any exclusions before making a claim.
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Make sure you are across any pet insurance waiting periods before making a claim. See: What is the waiting period for pet insurance?
Check your Policy Documents for any waiting periods or exclusions.
Common claims costs*
| Condition | Average cost |
|---|---|
| Otitis externa (ear) | $100—$1,500 |
| Conjunctivitis | $100—$300 |
| Diarrhoea | $150—$1,500 |
| Ear infection | $100—$1,000 |
| Vomiting | $300—$6,000 |
| Condition | Average cost |
|---|---|
| Diarrhoea | $100—$600 |
| Conjunctivitis | $100—$900 |
| Lethargy | $350—$2,500 |
| Foreign object | $500—$4,500 |
| Eye problems | $100—$350 |
Cost of claims without pet insurance*
| Disease | Cost of claim |
|---|---|
| Gastric dilation | $1,500—$8,500 |
| Elbow dysplasia | $1,200—$4,500 |
| Peritonitis | $1,000—$7,000 |
| Cataract | $1,000—$8,000 |
| Intervertebral disc | $1,000—$10,000 |
| Cruciate ligament | $1,000—$7,000 |
| Gallbladder | $1,000—$10,000 |
| Adenocarcinoma pulmonary (lung) | $1,000—$5,000 |
| Envenomation | $1,000—$4,000 |
| Foreign body | $1,000—$12,000 |
Get a free RSPCA Pet Insurance quote today
For almost 150 years, the RSPCA has been committed to ensuring the health and wellbeing of all animals across our great country. Now we’re committed to providing the best possible pet insurance for your furry best friend.
As the two-time winner of the Readers Digest Australia’s Most Trusted Brand Award 2022 and 2021, Feefo Platinum Trusted Service Award 2023 and 2022, ProductReview.com.au Award 2023 and 2022 plus WeMoney runner-up for Pet Insurer of the Year, Best for Value and Best for Quality for pet insurance 2022, our quality trusted service and pet insurance speak for themselves.
Ready to get your quick quote today? You can call us on 1300 881 492 or request a call back, or fill in your details and get a quote online. If you’re interested in knowing more about how RSPCA Pet Insurance will protect your pet’s health and wellbeing.