Help your dog or cat get the very best care

  • 3 affordable cover levels to choose from
  • Easy payment options
  • 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.

A portion of your 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 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

When will my policy start and when can I claim?

1

Your policy will start at one minute to midnight on the day that we accept your application. You can claim immediately for events covered under the Accidental Injury Cover section of the policy, provided the accident occurred after the start date.

As long as you have chosen Illness Cover, available only under RSPCA Economy Accident & Illness Cover and RSPCA Ultimate Accident & Illness Cover you can claim for illnesses for your dog or cat that first occurred 30 days after the start date of the policy.

There is a waiting period of six months, beginning from the start date of the first policy period for cruciate ligament conditions, regardless of what caused the condition. You can have this waiting period waived by completing the Cruciate Ligament Waiver Form, following the instructions explained in the form that you completed for your pet.

How much of my vet’s bill is covered for illness or accident treatment?

2

You will receive back 75% or 80% (depending on your choice of cover) of the total costs of your dog or cat’s eligible treatment, depending on the annual limits and conditions set out in the Certificate of Insurance.

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