--- title: "Home" id: "6" type: "page" slug: "home" published_at: "2025-10-30T06:37:42+00:00" modified_at: "2026-04-07T06:31:26+00:00" url: "https://rspcapetinsurance.org.au/" markdown_url: "https://rspcapetinsurance.org.au/index.md" excerpt: "How RSPCA Pet Insurance policies work With us, it’s all treats and no tricks. Pet insurance should be easy to understand, customisable to your pet’s needs, and simple to use. And that’s exactly what we offer. Our pet insurance includes..." --- # Pet insurance from the people who know animals Protect your pet and help the RSPCA care for animals across Australia. [Get a quote](https://quote.rspcapetinsurance.org.au/) Customisable pet insurance you can trust Enjoy cover tailored to your pet and budget. [Get a quote](https://quote.rspcapetinsurance.org.au/) Come home to protection with purpose Had a policy before 1 April 2026? Your policy may no longer be contributing to the RSPCA. [Learn more](https://rspcapetinsurance.org.au/come-home-to-rspca/) ## Why choose RSPCA Pet Insurance Your premium helps support animals in need Customise your cover to suit your pet and pocket Annual cover options up to $35,000 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 ## Find the right pet insurance plan for you Whether you have a playful puppy or a curious cat, our plans are designed to help them live well and be well. Dog insurance DogPuppy insurance PuppyCat insurance CatKitten insurance Kitten ### Dog insurance Treat your four-legged buddy to cover that’s as reliable as they are. [Read more](https://rspcapetinsurance.org.au/dog-insurance/) ### Puppy insurance Support your pup with cover that helps protect them through their first tumbles and vet visits. [Read more](https://rspcapetinsurance.org.au/puppy-insurance/) ### Cat insurance Keep your whiskered friend protected from life’s little surprises. [Read more](https://rspcapetinsurance.org.au/cat-insurance/) ### Kitten insurance Protect your tiny explorer as they learn, play, and pounce through their early days. [Read more](https://rspcapetinsurance.org.au/kitten-insurance/) ### Cover that makes a difference Keep your pet protected and help support the RSPCA’s mission to care for animals across Australia. [Learn more](https://rspcapetinsurance.org.au/pet-insurance/) ### Stay in the loop Join our quarterly newsletter for expert pet care tips, helpful advice, and exclusive offers. Sign up ##### Leave your details for more information Thanks, ! You’re now signed up to our newsletter. ## How RSPCA Pet Insurance policies work With us, it’s all treats and no tricks. Pet insurance should be easy to understand, customisable to your pet’s needs, and simple to use. And that’s exactly what we offer. ### Our pet insurance includes cover for - Illness - Injury - Essential euthanasia - Emergency boarding ### Customise your cover to your pet and pocket #### 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 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. ## We don’t do sub-limits With us, there are no extra limits for certain conditions. Simply claim up to your annual limit! ### 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 ### RSPCA Pet Insurance 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 ### Claim with a sub-limit 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. $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. Click here for a quick example ## Frequently asked questions ### What is pet insurance and how does it work? Pet insurance is a financial safety net that helps you pay for vet bills. With RSPCA Pet Insurance, you pay a premium and, subject to the details in your [Product Disclosure Statement (PDS)](https://rspcapetinsurance.org.au/product-disclosure-statement/) , if your pet gets sick or injured, we cover part of your vet costs. That way, you can focus on what truly matters: Helping your pet get back on their paws. ### Why should I consider getting pet insurance? Even the healthiest pets can face an unexpected vet visit. Pet insurance helps you manage those surprise costs, giving you peace of mind that you can provide your pet with the care they need. At RSPCA Pet Insurance, we offer one of the most customisable insurance solutions on the market, allowing you to tailor your cover to fit your pet’s needs. ### How much does pet insurance normally cost? The cost of pet insurance depends on your pet’s personal risk profile. Things like their age, breed, claims history and even where you live can all affect your premium. As every pet is unique, the best way to find out is to get a quick, commitment-free quote based on your pet’s details. Not currently an RSPCA Pet Insurance policyholder? [Click here](https://quote.rspcapetinsurance.org.au/) . Current or previous RSPCA Pet Insurance policyholder? [Click here](https://quote.rspcapetinsurance.org.au/Quote/UploadCertificate?newUpload=true) . [See more](https://rspcapetinsurance.org.au/faqs/) ## Pet Talk Visit our blog for expert tips, heartwarming stories, and helpful advice for every step of your pet parenting journey. [What vaccinations do dogs and cats need? A simple guide If you share your life with a dog or cat, vaccinations are one of… Read more](https://rspcapetinsurance.org.au/pet-talk/what-vaccinations-do-dogs-and-cats-need/) [How to groom your dog and why it’s important Grooming isn’t just about keeping your dog looking neat and tidy. It’s an important part of their overall health… Read more](https://rspcapetinsurance.org.au/pet-talk/how-to-groom-your-dog/) [How to choose the right dog harness for your pup Choosing the right dog harness isn’t just about colour or patterns. It’s really about comfort, safety, and helping your dog… Read more](https://rspcapetinsurance.org.au/pet-talk/how-to-choose-the-right-dog-harness/) ## Get an RSPCA Pet Insurance policy Insure your pet. Make a difference. [Get a quote](https://quote.rspcapetinsurance.org.au/) Call me