RAC Pet Insurance review

How does RAC stack up?

No reviews yet. Write a review
Alexandra Koster's headshot

By

Alexandra Koster

Updated

Fact checked
RAC Pet Insurance

Key takeaways

  • Claim limits are lower than many providers.
  • 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?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
RAC Pet Insurance logo
8.5 Great
RAC Cat Insurance
8.5 Great
$12,000
No sub-limit
80%
View details
Compare product selection
RAC Pet Insurance logo
8.5 Great
RAC Dog Insurance
8.5 Great
$12,000
No sub-limit
80%
View details
Compare product selection
loading

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.

Read the full methodology

Need better pet insurance?

Take our easy quiz and find a better deal.

Why choose RAC pet insurance?

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.

How much does RAC dog pet insurance cost?

To help give you an idea about RAC pet insurance costs, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

1 of 1 result
Updated regularly
Sample quote Sample quote Sample quote Sample quote
RAC Pet Insurance logo
8.5 Great
RAC Dog Insurance
Sample quote
$1,223.81
Sample quote
$1,223.81
Sample quote
$1,223.81
Sample quote
$1,524.31
View details
Compare product selection
loading
Showing 1 of 1 result

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:

  1. Log in to the online portal. Access your account via the designated portal (My RACQ) and select the specific policy you are claiming against.
  2. Initiate a new claim. Select the "New Claim" or "Make a claim" option from your dashboard to start the digital form.
  3. 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.
  4. Provide treatment details. Answer the guided questions regarding the reason for the visit and the nature of the illness or injury.
  5. 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

Sources

Alexandra Koster's headshot
Publisher
Add to Preferred Sources

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

More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site