RSPCA Pet Insurance
We have provided a summary of the pet insurance cover available from RSPCA below.
What types of pet insurance does RSPCA offer?
RSPCA offers four levels of pet insurance:
- General Accident and Illness Cover
- Economy Accident and Illness Cover
- Ultimate Accident and Illness Cover
- Ultimate Plus Accident and Illness Cover.
If you’re unsure as to which kind of pet insurance is most appropriate for you, or would like to better understand the different levels of cover, check out our guide to the different kinds of pet insurance.
Each level of insurance has different inclusions, exclusions and benefits. Waiting periods could apply, such as a 30-day waiting period for illnesses, and six months for claims relating to cruciate ligament conditions.
General Accident and Illness Cover
General Accident and Illness cover is available for purchase for pets up to 16 years of age, and offers cover for up to 60% of the cost of eligible vet bills.
Some of the features offered by General Accident and Illness Cover at the time of writing include:
- cover for pets aged from eight weeks to 16 years
- reimbursement for up to 60% of eligible vet bills
- claims capped at $11,000 a year in total, with claims per condition capped at $2,000 per year
- tick paralysis cover up to $2,000
- emergency boarding fees up to $500
- cover for cruciate ligament conditions up to $2,000
As this policy is an entry level cover for pet insurance, RSPCA does not offer any optional extras.
Economy Accident and Illness Cover
RSPCA’s Economy Accident and Illness policy provides up to 75% cover for eligible vet bills. RSPCA states that a feature of the policy is that it could be continued beyond the eligibility age (depending on certain terms and conditions). This level of pet insurance cover is designed to protect pet owners financially up to the $11,000 annual benefit limit, and does not have an annual condition limit (as represented in the General Accident and Illness policy).
Some of the features offered by General Accident and Illness Cover at the time of writing include:
- covers pets aged between eight weeks and nine years
- covers up to 75% of eligible vet bills
- an annual benefit limit of $11,000
- tick paralysis cover up to $1,000
- emergency boarding fees up to $1,000
- cover for cruciate ligament conditions up to $2,600
As this policy is a mid level cover for pet insurance, RSPCA does not offer any optional extras.
Ultimate Accident and Illness Cover
Ultimate Accident and Illness cover provides up to 80% cover for eligible vet bills. This level of pet insurance cover is designed to protect pet owners financially up to the $11,000 annual benefit limit with optional routine care available.
Some of the features offered by Ultimate Accident and Illness Cover at the time of writing include:
- covers pets aged between eight weeks and nine years
- covers up to 80% of eligible vet bills
- an annual benefit limit of $11,000
- tick paralysis cover up to $1,200
- emergency boarding fees up to $1,000
- cover for cruciate ligament conditions up to $2,600
In addition, customers can choose to add on optional features at an extra cost, such as:
- routine care
- heartworm test or blood screen
- FeLV/FIV test or urinalysis
Ultimate Plus Accident and Illness Cover
Ultimate Plus Accident and Illness cover is RSPCA’s highest level of cover with the feature of the policy being able to be continued beyond the eligibility age, pending it is available and does not have a lapse in payment. This level of pet insurance cover is designed to protect pet owners financially up to the $20,000 annual benefit limit with optional routine care available.
Some of the features offered by Ultimate Plus Accident and Illness Cover at the time of writing include:
- covers pets aged between eight weeks and nine years
- covers up to 80% of eligible vet bills
- an annual benefit limit of $20,000
In addition, customers can choose to add on the optional features at an extra cost, such as:
- Heartworm test or blood screen
- FeLV/FIV test or urinalysis
- routine care
It’s important to note that exclusions, limitations, waiting periods and other terms and conditions may apply to RSPCA’s pet insurance cover, so if you are considering taking out a policy, it’s important to read the product disclosure statement (PDS), target market determination (TMD) and other key documents carefully to ensure that the cover is suitable for you and your pet.
You can use Canstar’s comparison tables to see how its policy has been rated relative to other providers by Canstar’s expert researchers as part of our most recent Pet Insurance Star Ratings and Awards.
What breeds of pet does RSPCA pet insurance cover?
RSPCA provides four levels of cover dogs of small, medium and large breeds as well as cats. A feature of these policies is the $0 excess and support to the RSPCA foundation.
What is not covered by RSPCA pet insurance?
RSPCA says some general exclusions that apply to its pet insurance, such as:
- Pre-existing conditions
- Dental procedures
- Elective treatments and procedures
- Pregnancy
Read the RSPCA pet insurance PDS and other policy documentation for a full list of exclusions that apply.
