---
title: "Customisable pet insurance you can trust"
id: "5132"
type: "page"
slug: "customisable-pet-insurance"
published_at: "2026-07-09T07:56:06+00:00"
modified_at: "2026-07-30T06:08:47+00:00"
url: "https://rspcapetinsurance.org.au/customisable-pet-insurance/"
markdown_url: "https://rspcapetinsurance.org.au/customisable-pet-insurance.md"
excerpt: "Customise your cover to suit your pet and budget With an RSPCA Pet Insurance PetFlex policy, you’re in control. Choose your level of cover and tailor your policy to suit your pet’s needs and your budget — it’s that simple...."
---

# Customisable pet insurance you can trust

Take out a new RSPCA Pet Insurance PetFlex policy and get your first 2 months free.*

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

## Why choose RSPCA Pet Insurance

Your premium helps support animals in need

Annual cover options up to $35,000

Choose up to 90% back on eligible vet bills

Zero excess option

No tricky sub-limits

Fast claims

Manage your policy online

Get expert advice via our Pet Support phone line

Designed with input from RSPCA vets

See more

## Customise your cover to suit your pet and budget

With an RSPCA Pet Insurance PetFlex policy, you’re in control. Choose your level of cover and tailor your policy to suit your pet’s needs and your budget — it’s that simple.

### You 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

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

### Enjoy even greater peace of mind

Boost your pet’s cover with a range of optional extras.

### Dental illness

Helps to cover treatment of 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

Helps to cover treatment for 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.

Ready to build a policy that speaks to your pet’s needs? Get a commitment-free quote online in just a few minutes and enjoy your **first 2 months free.***

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

## Ready to get started?

Get a commitment-free quote online.    
 Customise your pet’s policy in just a few minutes.

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

## Pop us a few details for a quick call

*T&Cs apply.