--- title: "Pet Insurance" id: "179" type: "page" slug: "pet-insurance" published_at: "2025-11-17T06:25:49+00:00" modified_at: "2026-04-09T04:36:05+00:00" url: "https://rspcapetinsurance.org.au/pet-insurance/" markdown_url: "https://rspcapetinsurance.org.au/pet-insurance.md" excerpt: "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 Protect your pet and cover unexpected vet bills. [Get a quote](https://quote.rspcapetinsurance.org.au/) ## 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 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 ## Pet insurance for every stage of life From playful beginnings to slower, wiser years, our pet insurance is designed to support your pet through every stage of life. Whether you’re welcoming a new family member or caring for a long-time companion, you can choose cover that fits their needs today, and customise it as life changes. Dog insurance DogPuppy insurance PuppyCat insurance CatKitten insurance Kitten ### 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. [Read more](https://rspcapetinsurance.org.au/dog-insurance/) ### 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. [Read more](https://rspcapetinsurance.org.au/puppy-insurance/) ### 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. [Read more](https://rspcapetinsurance.org.au/cat-insurance/) ### 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. [Read more](https://rspcapetinsurance.org.au/kitten-insurance/) ## 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 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 dog’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. ## 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 can I find the right insurance for my pet? 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. ### What does RSPCA Pet Insurance cover? 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)](https://rspcapetinsurance.org.au/product-disclosure-statement/) . [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. Help make a difference. [Get a quote](https://quote.rspcapetinsurance.org.au/) Call me