--- title: "Introducing PetFlex: our most customisable cover yet" id: "5366" type: "page" slug: "compare-pet-insurance" published_at: "2026-07-16T14:26:18+00:00" modified_at: "2026-07-21T19:37:03+00:00" url: "https://rspcapetinsurance.org.au/compare-pet-insurance/" markdown_url: "https://rspcapetinsurance.org.au/compare-pet-insurance.md" excerpt: "Key improvements From four fixed tiers to one customisable policy See how our new customisable PetFlex cover compares to our previous four-tier plans. The benefit of having no sub-limits See the difference no sub-limits can make. Items Annual cover limit..." --- # Introducing PetFlex: our most customisable cover yet Looking to compare pet insurance? See how our new PetFlex cover compares with the previous four-tier plans and lets you tailor cover to suit your pet and budget. [Get a quote](https://quote.rspcapetinsurance.org.au/) ## Key improvements PetFlex: customisable cover Plans to choose from One simple, customisable plan Highest annual limit $35,000 Sub-limits None Routine care cover Available as an optional extra Optional extras Routine care, dental illness, behavioural conditions, and supportive therapies Highest benefit percentage 90% Customisable excess Yes Previous four-tier plans Plans to choose from Four fixed tiers Highest annual limit $20,000 Sub-limits Yes, on three of the four plans Routine care cover Available as an optional extra on two of the four plans Optional extras Only routine care Highest benefit percentage 80% Customisable excess No Plans to choose from Highest annual limit Sub-limits Routine care cover Optional extras Highest benefit percentage Customisable excess ### PetFlex: customisable cover One simple, customisable plan $35,000 None Available as an optional extra Routine care, dental illness, behavioural conditions, and supportive therapies 90% Yes ### Previous four-tier plans Four fixed tiers $20,000 Yes, on three of the four plans Available as an optional extra on two of the four plans Only routine care 80% No ### $20,000 $35,000 Maximum annual cover limit option ### 80% 90% Maximum benefit percentage option ### Sub-limits No sub-limits Condition-specific claim limits ## From four fixed tiers to one customisable policy See how our new customisable PetFlex cover compares to our previous four-tier plans. PetFlex: customisable cover Previous four-tier plans ### PetFlex: customise your cover to suit your pet and budget No tiers to compare — just one simple plan you can tailor to your needs. #### Annual cover limit What is an annual cover limit?This is the maximum amount we’ll contribute towards your pet’s care per year. When choosing a cover limit, make sure it’s enough to cover the treatments your pet might need. #### Benefit percentage What is a benefit percentage?This is the portion of your vet bill your insurer will cover for an approved claim. With us, you can choose the percentage that works best for you. For example, if you pick a benefit percentage of 80%, we’ll cover 80% of the bill and you’ll pay the remaining 20%. 60% 70% 80% 90% #### Annual excess What is an annual excess?This is the amount you agree to pay towards your claims each year, before we step in to cover the rest. With us, you only pay one annual excess, not one for every claim, so it’s easier to focus on your pet’s care. $0 $100 $200 $300 $400 $500 #### Consultations What do you mean by ‘consultations’?This refers to your vet’s consultation fees. You can choose whether you’d like these fees to be covered, so you’re only paying for what matters to you and your pet. Yes No ### Enjoy even greater peace of mind Boost your pet’s cover with a range of optional extras. ### Dental illness Helps to cover issues that affect teeth, gums, and periodontal tissue, such as gingivitis, tartar and plaque, periodontal disease, gingival (gum) and other dental conditions. ### Supportive therapies Provides access to therapies like acupuncture, hydrotherapy, and therapeutic massage to help your pet recover from covered conditions. ### Behavioural conditions Covers unusual or excessive behaviours, like overeating, chewing or licking, pulling out fur, pacing, anxiety, aggression, or obsessive habits. ### Routine care Covers an annual health check, routine vaccinations, and microchipping if needed. ### What’s covered - Illness - Injury - Essential euthanasia - Emergency boarding ### Our previous cover options: four fixed tiers Our previous cover was available in four fixed tiers, each offering set levels of cover with limited option to customise. #### General Accident & Illness Cover - Accident and illness cover - Fixed $11,000 annual limit - Fixed 60% benefit percentage - Sub-limits applicable - Annual condition limit - No routine care option #### Economy Accident & Illness Cover - Accident and illness cover - Fixed $11,000 annual limit - Fixed 75% benefit percentage - Sub-limits applicable - No routine care option #### Ultimate Accident & Illness Cover - Accident and illness cover - Fixed $11,000 annual limit - Fixed 80% benefit percentage - Sub-limits applicable #### Ultimate Plus Accident & Illness Cover - Accident and illness cover - Fixed $20,000 annual limit - Fixed 80% benefit percentage [Get a PetFlex quote](https://quote.rspcapetinsurance.org.au/) ## The benefit of having no sub-limits See the difference no sub-limits can make. ### Items Annual cover limit Benefit percentage Annual excess Total vet bill Sub-limit What is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. Claim payout ### Our new customisable Petflex cover Annual cover limit $25,000 Benefit percentage 80% Annual excess $0 Total vet bill $10,000 Sub-limitWhat is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. NONE Claim payout: $8,000 ### Previous Economy Accident & Illness Cover Annual cover limit $11,000 Benefit percentage 80% Annual excess $0 Total vet bill $10,000 Sub-limitWhat is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. $1,000 Claim payout: $1,000 An example of how a $1,000 sub-limit can affect cover for an Australian dog with tick paralysis. ## Your pet is unique. Their cover should be too. Sign up and get your first 2 months free.* [Get a quote](https://quote.rspcapetinsurance.org.au/) Call me