---
title: "Cover shaped around your pet"
id: "3187"
type: "page"
slug: "cover-shaped-around-your-pet"
published_at: "2026-03-09T12:03:19+00:00"
modified_at: "2026-04-17T08:42:01+00:00"
url: "https://rspcapetinsurance.org.au/cover-shaped-around-your-pet/"
markdown_url: "https://rspcapetinsurance.org.au/cover-shaped-around-your-pet.md"
excerpt: "Customise to suit your pet’s needs and your budget It’s the kind of pet insurance you’d expect from people who know animals: Simple, customisable, and created with input from RSPCA vets. Our PetFlex cover allows you to customise your policy..."
---

# Cover shaped around your pet

Customisable pet insurance that contributes to the RSPCA.

[Get a quote](https://quote.rspcapetinsurance.org.au/)

## Customise to suit your pet’s needs and your budget

It’s the kind of pet insurance you’d expect from people who know animals: Simple, customisable, and created with input from RSPCA vets. Our PetFlex cover allows you to customise your policy so it suits your pet’s needs and your budget.​

## How it works

Pet insurance doesn’t need to be complicated. We offer one straightforward plan, with choices that help you manage unexpected vet bills with confidence.

### You can choose your:

#### 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

### Optional extras

### Dental illness

### Supportive therapies

### Behavioural conditions

### Routine care

The best part? **Our policies help support the RSPCA’s vital animal welfare work** across Australia, giving hope to animals in need.

## Why choose RSPCA Pet Insurance

Your premium helps support animals in need

Annual cover options up to $35,000

Zero excess option

No tricky sub-limits

Fast claims

Manage your policy online

Get expert guidance via our Pet Support phone line

Designed with input from RSPCA vets

See more

## Ready to take the next step?

Pop us a few details for a quick call

## 150+ years of RSPCA wisdom

Guided by the RSPCA’s animal welfare legacy, our pet insurance is designed to protect your pet, give you peace of mind, and to help make a real difference for animals in need across Australia.   
  
 Our policies also contribute to the RSPCA’s lifesaving work, helping more pets live well and be well.   
  
 Because when it comes to care… We know animals.

## Or get a commitment-free quote online

Tailor your pet’s cover to suit their needs and your budget in just a few minutes.

[Build my policy](https://quote.rspcapetinsurance.org.au/)