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RSPCA Pet Insurance at a glance

  • Award-winning cover
  • Four levels of affordable cover to choose from
  • Cover for up to 80% of eligible vet bills for both accidents and illnesses
  • No excess to pay
  • Routine Care available as an optional extra on some levels of cover

About the RSPCA

The RSPCA was established in Australia in 1871 and has grown to become Australia’s most recognised and best-loved animal welfare organisation. They’re a community-based charity which works to prevent cruelty to animals by actively promoting their care and protection.

Each year in Australia, the RSPCA receive over 132,000 stray, injured or surrendered animals and investigates about 57,000 complaints of animal cruelty and neglect.

The RSPCA’s goal is to prevent cruelty to animals by championing their care and protection.

About RSPCA Pet Insurance

RSPCA Pet Insurance understand that every pet is different. That’s why they offer four levels of award-winning cover to choose from, depending on your pet’s needs and your budget.

With RSPCA Pet Insurance, there’s no excess to pay and once your pet is insured (and you continue to pay your premiums on time), you can keep renewing their cover for a lifetime.

Plus, a portion of all first-year premiums goes to support the great wok of the RSPCA.

RSPCA Pet Insurance provides the following:

  • Claim up to $20,000 per year
  • Receive back up to 80% of eligible vet bills*
  • 10% discount on each additional pet you insure
  • A portion of first-year premiums goes to support the RSPCA
  • No excess to pay
  • Use any vet licensed in Australia
  • Lifetime cover**
  • 30-day cooling off period

* Pre-existing conditions and certain illnesses are excluded. Limits, sub-limits and annual condition limits may apply.

** As long as there is no break in cover and subject to the terms and conditions of the policy renewal.

To find more information about each level of cover, and details of the terms and conditions you can read the relevant RSPCA Pet Insurance policy booklet (also known as a Product Disclosure Statement or PDS) by visiting RSPCA Pet Insurance’s list of policy documents.

The age of your pet

All RSPCA Pet Insurance policies cover cats and dogs aged between eight weeks old and nine years old. However, with their most basic policy (RSPCA General Accident & Illness Cover) you can cover your furry friend until they’re 16 years of age.

Routine care – optional extra

If you want additional cover for things like routine care, this can be added as an optional extra with their two top levels cover (RSPCA Ultimate and Ultimate Plus Cover). This add-on can help reimburse some expenses (up to $80 per year) for preventative treatments, which aren’t typically included.

The RSPCA Pet Insurance optional routine care add-on covers a range of things, such as:

  • desexing;
  • microchipping;
  • heartworm control;
  • teeth cleaning;
  • dew claw removal;
  • flea/tick/worm control;
  • vaccinations or health checks;
  • dental illness treatment;
  • obedience training;
  • heartworm test or blood screen; and
  • FeLV/FIV tests or urinalysis.

Frequently asked questions

Are hereditary or ongoing illnesses covered by RSPCA Pet Insurance?

Yes, ongoing illnesses or hereditary diseases can be covered by an RSPCA Pet Insurance policy – unless it’s a pre-existing condition where your pet was showing symptoms before you took out cover or during any waiting period. For hereditary illnesses, your cat or dog will be covered as long as they showed no symptoms before getting covered or in the first 30 days of your policy.

Do I have a choice of vet?

Yes, if you are covered with RSPCA Pet Insurance you can still take your cat or dog to your choice of licensed vet in Australia.

What isn’t covered in RSPCA Pet Insurance?

There are a number of treatments and services that aren’t covered (known as exclusions). These include things like:

  • pre-existing conditions
  • dental care
  • grooming
  • accessories

Read the relevant RSPCA Pet Insurance PDS for more information on what’s excluded from your policy.

Will I get a refund if I cancel or switch my pet insurance?

If you wish to cancel your pet insurance or switch to a different insurer, you may get a refund, depending on when you cancel.

If you cancel within the 30-day cooling-off period, you’ll receive a refund provided you haven’t submitted a claim.

Should you cancel after the cooling-off period ends, you’ll receive a refund minus the portion of your premium covering you for the part of the year you held cover. If you’ve made a claim, you won’t receive a refund.

Do I have to pay an excess when claiming?

No, there’s no excess payment on any of the RSPCA Pet Insurance policies.

Compare insurance for your pet in no time at all

If you’re thinking about pet insurance for your beloved cat or dog, you can compare RSPCA Pet Insurance policies with a number of other insurance providers, all in one place.

By using our free pet insurance comparison service, you can compare quotes side-by-side in just minutes. We can help you save time – and possibly money – with just a few clicks. So, why not take a look at what we have to offer?

Pre-existing conditions and certain illnesses are excluded. Benefit limits, sub-limits and annual condition limits apply. Claim for reimbursement. Please read the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) for specific details of the policy’s inclusions and exclusions based on your selected level of cover.

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