--- title: "Puppy Insurance" id: "189" type: "page" slug: "puppy-insurance" published_at: "2025-11-17T06:32:10+00:00" modified_at: "2026-03-17T07:54:23+00:00" url: "https://rspcapetinsurance.org.au/puppy-insurance/" markdown_url: "https://rspcapetinsurance.org.au/puppy-insurance.md" excerpt: "Protect your puppy’s health from day one Bringing a puppy home is full of firsts: First cuddles, first zoomies, and yes, those first vet visits. Getting insurance for your puppy helps protect your little one right from the start, so..." --- # Puppy insurance Guided by vet knowledge. Designed with RSPCA care. Made for pups. [Get a quote](https://quote.rspcapetinsurance.org.au/) ## Protect your puppy’s health from day one Bringing a puppy home is full of firsts: First cuddles, first zoomies, and yes, those first vet visits. Getting insurance for your puppy helps protect your little one right from the start, so you can focus on the fun parts of puppyhood (like figuring out where they stashed their favourite toy). ## Why choose RSPCA Pet Insurance ### Simple, customisable cover No confusing tiers or endless options, just one plan you can customise around your pup’s needs. ### Designed with expert input Created with guidance from RSPCA vets and animal specialists, our cover is designed to speak to your puppy’s needs, from their first wobbly steps to those enthusiastic dog-park dashes. ### Cover that gives back Protect your pup and support others too. Our policies help fund the RSPCA’s mission to care for and rehome animals in need across Australia. ### Transparent cover for your best friend We keep things clear and easy to understand, with straightforward puppy insurance you can count on when it matters most. ## How our puppy insurance works We understand just how much your pup means to you, which is why we’ve designed our insurance to be simple and customisable, helping make life a little easier for you and your puppy. ### Our puppy insurance includes cover for - Illness - Injury - Essential euthanasia - Emergency boarding ### Customise your puppy’s cover to suit them and your budget #### 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 puppy’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 puppy with tick paralysis. Click here for a quick example ## Stay in the loop Join our quarterly newsletter for expert pet care tips, helpful advice, and exclusive offers. Sign up ## 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/) ## Frequently asked questions ### How can I find the right insurance for my puppy? The best pet insurance policy is the one that speaks directly to you and your puppy’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. ### Is my puppy eligible for cover? To determine whether your puppy qualifies for our cover, there are a few things we consider, like their age, breed, and overall health. Unfortunately, we don’t cover exotic pets, pets used for commercial work or sporting activities, or certain breeds classified as banned or dangerous. If you’re unsure whether your puppy qualifies, [reach out to our team](https://rspcapetinsurance.org.au/contact-us/) . We’re happy to help provide some clarity. ### Are there any pets or breeds you don’t insure? We love all pets, but we currently only provide cover for cats and dogs. Unfortunately, we don’t cover breeds that are classified as banned, restricted, or dangerous. If you’re unsure whether your furry friend’s breed is covered, don’t worry, our customer care team is just a call away and happy to help. ### Is there a discount if I insure more than one pet? Definitely! If you insure more than one pet, you’ll enjoy a 10% discount on all subsequent pets, helping you keep all your pets protected without stretching your budget. [See more](https://rspcapetinsurance.org.au/faqs/) ## Get an RSPCA Pet Insurance policy Insure your puppy. Support animal welfare. [Get a quote](https://quote.rspcapetinsurance.org.au/) Call me