We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
RAC offers a wide range of membership benefits and discounts, which can translate into value-for-money health cover for your cat or dog. There is only one level of pet cover available, offering comprehensive accident and illness insurance.
Review by our pet insurance expert Alexandra Koster
RAC covers up to 80% of necessary vet bills resulting from your pet’s accident or illness, up to $12,000 per year, subject to some exclusions.
You can also get the following:
Tender Loving Care (TLC)is an optional extra similar to routine care. It includes:
You are required to take good care of your pet. This includes:
If you haven’t met these obligations then you might not be covered for any resulting conditions. For example, you can only claim dental treatments under this policy if your pet has a yearly dental exam and you follow vet oral treatment recommendations.
This policy does not cover pets other than dogs or cats. In order to claim for treatment of a pet’s injury or illness, you must have met your policy obligations, and the treatment or health issue must not be one of those listed as excluded.
Pre-existing conditions are not covered under this policy. These are conditions that were present or apparent before taking out the policy, including diseases in remission, illnesses being controlled by medication at the time you take out a policy, and any skin conditions or seasonal illness.
If your pet does have any pre-existing conditions, you can ask RAC to cover them anyway by sending in a “pre-existing conditions waiver” form.
In addition, you cannot claim for injuries or illnesses that include or result from the following:
There are also some conditions that are specifically excluded, unless your pet was vaccinated against them, regardless of whether or not a vet recommended the vaccinations.
Waiting periods also apply, and your pet will not be covered immediately after you take out a policy.
Finally, dogs or cats that are used for any commercial purposes cannot be covered by this policy.
The cost of your policy is based on factors including:
You can receive a discount for paying premiums annually rather than monthly. If you are an RAC member, you can enjoy member discounts, and other benefits such as discounts through other RAC partners.
Bronze, Silver, and Gold or Gold Life RAC members are entitled to 5%, 7.5% and 10% respectively off the cost of pet insurance.
To get this discount you simply need to sign up online at RAC, and enter your membership number when applying for a quote.
To make a claim after visiting a vet, send in a completed RAC claims form online or by post, and include:
In some situations, RAC may reduce the amount paid out; for example, if your pet is also covered by another insurance policy, or if the vet fees were excessive and well above the industry average.
RAC Pet Insurance is underwritten by RACQ Insurance Limited.
Find out what exactly TPD insurance covers and how to determine an appropriate level of cover to give adequate protection in the event of disablement.
If you need to make a claim on your TPD insurance, follow these steps to ensure you have the best chance of making a successful claim.
Health insurance for cancer improves on what Medicare covers by giving you more control and quicker treatment.
Major names in health insurance and travel have moved fast to offer rewards to people who've received the COVID-19 vaccination.
Australia has a great public healthcare system, but when it comes to elective surgery, there are good reasons to get private health insurance.
See how private health insurance can offer support if you suffer from chronic pain.
Find out how both Medicare and private health insurance cover occupational therapy to get the assistance you need.
Find out how term life insurance actually works and receive quotes for cover securely.
The outbreak of covid-19 has many people wondering about their insurance options. This guide helps answer all you life insurance question during the coronavirus outbreak.
What isn't covered by ambulance services, and can insurance help?
Get cover that works for your pet and your budget.
Want to save on pet insurance? Here's how.
How much does it cost to insure a dog in Australia?
Protect your beloved pet with these value selections.
