RACQ pet insurance

How does RACQ compare for pet insurance?

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Alexandra Koster

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RACQ Pet Insurance

Key takeaways

  • Available as standalone cover or a home insurance add-on.
  • Policies cover 80% of eligible vet bills, up to $12,000 a year.
  • New policies are restricted to pets aged between 8 weeks and nine years.

Pros

  • A discount of up to 5% is available if you hold three or more qualifying RACQ insurance policies.
  • Policyholders gain access to the RACQ member program, providing discounts on fuel, dining, and retail.
  • Pet owners can apply for a waiver to reduce the standard 6-month waiting period for cruciate ligament conditions.

Cons

  • The annual benefit limit is capped at $12,000 , which is lower than many premium market alternatives.
  • Excess may be applied to each separate condition treated within a policy year, rather than once per year.
  • Pets cannot be enrolled in a new policy once they have reached 9 years of age.

How does RACQ pet insurance compare?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
RACQ Pet Insurance logo
8.7 Great
RACQ Pet Insurance
8.7 Great
$12,000
No specified limit
80%
Discount: Save $50 per pet when you enroll online. T&Cs apply.
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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.

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Why choose RACQ pet insurance?

RACQ pet insurance includes the following structural features and coverage parameters:

  • Reimbursement and annual limits. The policy covers 80% of eligible veterinary costs for accidents and illnesses, with a maximum annual claim limit of $12,000 per pet.
  • Excess options. Policyholders can select an excess of $0, $100, or $200. The chosen amount is deducted from the claim reimbursement.
  • Member discounts and benefits. RACQ offers a $50 discount per pet for new policies purchased online. Existing members receive tiered premium discounts based on their membership level (Bronze 5%, Silver 7.5%, Gold 10%). Additionally, policyholders gain access to the broader RACQ member benefits program, which includes discounts at various retail and fuel outlets.
  • Veterinary freedom. Claims are accepted for treatment provided by any licensed and registered veterinarian operating within Australia.
  • Emergency boarding. The policy includes up to annually for licensed boarding fees if the sole policyholder is hospitalised for five or more consecutive days and no other household member can care for the pet.
  • Optional preventative care. An optional "Tender Loving Care" (TLC) add-on provides up to $100 per year for routine expenses like vaccinations, microchipping, de-sexing, and teeth cleaning.
  • Interstate and overseas travel. Coverage extends to pets traveling with their owners in New Zealand and Norfolk Island for up to 60 days.

How much does RACQ pet insurance cost?

To help give you an idea about Knose 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
RACQ Pet Insurance logo
8.7 Great
RACQ Pet Insurance
Sample quote
$1,074.27
Sample quote
$1,303.95
Sample quote
$1,437.40
Sample quote
$1,583.90
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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 exclusions are there?

  • After-hours treatment and home visits, unless your vet deems it to be a medical emergency
  • Alternative therapies, training and behavioural therapy, except as covered by the Tender Loving Care option
  • Ambulance transport and non-essential hospitalisation
  • Any course of treatment that conflicts with your vet's recommendations
  • Banned or restricted dog breeds and crossbreeds will not be insured, and neither will any dog listed as dangerous by a government authority
  • Deliberate harm, illegal activities and negligence, including failure to apply preventative treatment for fleas and worms
  • Dental care
  • Diseases caused by fleas, worms and other parasites (except for paralysis ticks)
  • Elective treatments and selected conditions including a dislocating kneecap
  • Emergency boarding if someone living with you can reasonably look after your pet, or if you are going into hospital for an elective procedure
  • Essential euthanasia, if it is necessitated by one of the conditions for which you are not covered
  • Genetic testing, transplants and devices such as pacemakers or artificial joints
  • Infectious diseases such as Feline Infectious Peritonitis (FIP) and kennel cough, unless all your pet's vaccinations are up to date
  • Injury, loss or damage caused by your pet to your property or anyone else's property
  • Ordinary day-to-day care, including vitamins, grooming and accessories
  • Pre-existing conditions
  • Pregnancy and obstetrics
  • If you use your pet for commercial or occupational purposes, such as racing or hunting

How do I make a claim?

You can submit your claim online through the My RACQ portal. Follow these steps for a prompt assessment:

  1. Log in. Access your My RACQ account from any device. From your insurance dashboard, select the specific pet insurance policy you are claiming against.
  2. Start your claim. Select the "Make a claim" or "Start my claim" option. If you need to stop partway through, you can save your progress and resume the form later.
  3. Upload documentation. Attach your original itemised invoices or receipts. If this is your first claim, you will also need to provide your pet’s full vet history and any applicable clinical notes.
  4. Provide details. Enter the treatment date and answer the guided questions regarding your pet's visit, the reason for treatment, and your current contact and bank details.
  5. Review and submit. Review your information to ensure all details are accurate, then click submit to send your claim to the assessment team.

Frequently asked questions about RACQ pet insurance

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Publisher
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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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