How pet insurance helps when it matters most
Pet insurance helps cover unexpected vet bills when your pet is injured or unwell, providing them with care when they need it the most, and giving you peace of mind.
With RSPCA Pet Insurance, your cover stretches far beyond your own backyard, not only protecting your pet, but also helping to support the RSPCA’s animal welfare initiatives.
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
Pet insurance for every stage of life
Dog insurance
Dogs can live life paws-first, which sometimes leads to the unexpected. Our dog insurance helps cover vet costs if your dog is injured or becomes ill, so you can focus on what truly matters: Helping them get back on their feet.
Puppy insurance
Puppies are curious, endlessly lovable, and can find themselves in some sticky situations at times. Insuring them as puppies helps ensure that they’re protected not only during those early months, but also as they grow, explore, and learn more about the world.
Cat insurance
Independent but not invincible, cats can face unexpected illnesses or injuries too. Our cat insurance helps cover vet bills, whether your cat prefers sunny windowsill naps or the occasional climb.
Kitten insurance
Kittens may be small, but they’re big on adventures. Kitten insurance helps give them the healthiest start possible, helping to cover vet care while they grow into confident adult cats.
How RSPCA Pet Insurance policies work
Pet insurance plays an important role in protecting your pet’s wellbeing. That’s why we’ve designed cover that’s customisable, easy to manage, and based on insights from RSPCA vets.
What’s covered
- Illness
- Injury
- Essential euthanasia
- Emergency boarding
Customise your cover your way
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
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%.
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.
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.
Enjoy even greater peace of mind
Boost your dog’s cover with a range of optional extras.
Frequently asked questions
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), 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.
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.
The best pet insurance policy is the one that speaks directly to your and your pet’s needs. Always consider things like your annual cover limit, benefit percentage, excess, and any extra cover that’s available. Here at RSPCA Pet Insurance, we allow you to customise these key features to suit your cover needs and budget.
Our policies include cover for illnesses, injuries, essential euthanasia, and emergency boarding.
When it comes to adding extra cover:
- PetFlex product: You can add cover for things like dental illnesses, supportive therapies, behavioural conditions, and routine care.
- PetShield product: You can add cover for routine care.
For more information, please refer to our Product Disclosure Statement (PDS).
