Covers your pet while traveling in New Zealand and Norfolk Island.
Pros
The Member Loyalty Discount provides a permanent 5% to 10% premium reduction based on your membership tier (Bronze, Silver, or Gold). Unlike one-off sign-up promotions, this discount remains active at every renewal for the life of the policy.
Access to everyday savings offers and discounts from over 100 partners. Most other policies don't offer this.
Cons
80% of your vet costs are covered, but there are other providers that offer 85% or more, plus higher annual limits.
How does pet insurance from RAC compare?
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Here are a few reasons why RAC pet insurance might be worth it for your pet:
Reimbursement and limits. The policy reimburses 80% of eligible veterinary costs for the treatment of covered illnesses and injuries, subject to an annual limit of $12,000.
Membership discounts. Policyholders who are existing RAC members receive premium reductions based on their tenure: 5% for Bronze, 7.5% for Silver, and 10% for Gold and Gold Life members.
Veterinary choice. Claims are valid for treatments performed by any licensed and registered veterinarian currently operating within Australia, provided they can supply the pet's medical history.
Emergency boarding. If the primary policyholder is unexpectedly hospitalised for five or more consecutive days, the policy provides up to $1,000 annually to board the pet at a licensed facility.
Optional preventative care. Policyholders can opt into the Tender Loving Care (TLC) package, which provides a sub-limit of up to $100 per year for routine and preventative expenses, such as vaccinations, microchipping, and teeth cleaning.
Euthanasia coverage. If a veterinarian determines that euthanasia is medically essential due to a covered illness or injury, 80% of the associated veterinary costs are covered within the standard $12,000 annual limit.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Platinum, Gold & Silver Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What conditions are excluded?
Here are the key exclusions under an RAC Pet Insurance policy:
Pre-existing conditions
Waiting period incidents
Routine and preventative care
Alternative therapies
Preventable diseases
Specific end-of-life costs
How do I make a claim?
To make a claim after visiting a vet, follow these steps:
Log in to the online portal. Access your account via the designated portal (My RACQ) and select the specific policy you are claiming against.
Initiate a new claim. Select the "New Claim" or "Make a claim" option from your dashboard to start the digital form.
Upload documentation. Provide a clear photo or PDF of the original, itemised tax invoice or receipt. The document must clearly show the treatment date and a breakdown of the specific costs incurred.
Provide treatment details. Answer the guided questions regarding the reason for the visit and the nature of the illness or injury.
Submit for assessment. Review your entries and click "Submit." Note that for a first-time claim, the insurer will likely require a full veterinary history and clinical notes from your current and previous clinics to complete the assessment.
Frequently asked questions
RAC provides cover exclusively for the cats and dogs in your family. It does not cover exotic animals or pets that are used for any commercial purposes.
The policy is managed and issued by RAC Insurance Pty Ltd on behalf of RACQ Insurance Limited, who underwrites the cover.
Yes. There is a 21-day waiting period starting from the commencement date of your policy (except for renewals). During this time, your pet is not covered for any illness. Any illness or symptoms that appear during these 21 days will be permanently excluded from your policy unless RAC has specifically agreed to waive the waiting period on your Schedule.
No, pre-existing conditions are excluded. This means you cannot claim for any illness or injury (including early signs or symptoms) that you or a reasonable person knew about before your cover commenced. This also applies to any conditions that present during the 21-day waiting period or during a lapse in your cover.
RAC covers up to 80% of eligible vet bills. However, they do not make direct payments to your vet. You must pay for the treatment upfront and then submit a claim for reimbursement.
Yes. RAC members receive a discount on pet insurance premiums. Additionally, members have access to the Member Benefits program, which provides discounts at various participating retailers.
Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
See full bio
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