Finder makes money from featured partners, but editorial opinions are our own.

RACV Pet Insurance

Get up to 80% back on vet costs for your pet - as much as $12,000 a year.

RACV offers a single type of pet insurance, which covers up to 80% of vet costs for illness or injury to your cat or dog, up to a yearly maximum of $12,000. If you’re hospitalised, RACV will offer up to $1,000 of emergency boarding costs for your pet while you’re indisposed. In the sad event of your pet having to be put down, you’ll be covered for 80% of the cost. Going on a trip? RACV’s pet cover extends to pets taken abroad to New Zealand or Norfolk Island.

Important Information

RACV is no longer offering Pet Insurance. However, the information on this page has been kept for the benefit of existing customers.

If you would like to compare pet insurance on Finder, click here.

What other cover options does RACV Pet Insurance offer?

For the keen pet owner who likes to take extra-special care of their pal, you can spring for the “Tender Loving Care” option, which will cover up to $100 on preventative treatments that keep your pet in tip-top shape.

What isn’t covered under my policy?

Not everything that happens to your pet will be reimbursed by your provider. Any costs relating to the following will not be covered:

  • Any damage incurred while your animal is being used for commercial purposes, such as a guard dog.
  • Breeding or obstetrics.
  • Cat- or dog-specific infectious diseases, such as Feline Infectious Peritonitis or canine distemper.
  • Cosmetic or elective procedures, like pet liposuction.
  • Damage from deliberate acts directed towards your pets by you or others living with you.
  • Emergency boarding costs if you’re in hospital for cosmetic surgery, or a condition you knew about before taking out the policy.
  • Emergency boarding costs if someone you live with could reasonably take care of the animal.
  • Euthanasia costs related to excluded illnesses and any burial costs.
  • Injury or illness abroad unless it is specifically while on holiday to New Zealand or Norfolk Island.
  • Injury or illness related to a behavioural disorder of your pet, like anxiety.
  • Neglect or any injuries or illness arising from your failure to take care of your pet or take reasonable precautions for their health.
  • Pre-existing or excluded conditions, such as any disease caused by a parasite other than a paralysis tick.
  • Regular, routine treatments like dental care, or extras like grooming, accessories, or food supplements.
  • Training programs for your pet.
  • Unnecessary hospitalisation or emergency transport costs.

What do I do if I need to make a claim?

If something happens to your pet, RACV recommends you follow these steps:

  1. Contact RACV insurance. You can make a claim to RACV either via phone on 1800 31 94 98 or online at racv.com.au/petinsurance.
  2. Provide a treatment history. RACV requires a full history of your pet’s treatment from the current vet as well as from any previous vets.
  3. Provide invoices. You will need to provide the original itemised invoices and receipts from any treatment.

Why you can trust Finder's pet insurance experts

free

We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

What are the benefits of choosing RACV Pet Insurance?

You have a choice of a $0, $100, or $200 excess, which means that you can choose to pay slightly more each month in premiums to not pay anything out of pocket if you need to make a claim. The ‘Tender Loving Care’ optional benefit can help ease the financial pressure of many of those small treatments that really make a difference for your pet.

You may also be able to waive a pre-existing condition your pet had before applying for insurance if you can prove the condition has been free of any signs or symptoms of it or related conditions for the last 18 months.

Whether your cherished companion is a little furball or a big bouncy floofer, they can get into a ton of trouble. Without insurance, vet bills for trivial-seeming things can easily spiral into the thousands. RACV Pet Insurance will help ensure that taking care of your animal friend doesn’t cost the world.

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 29 April 2024. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Budget Direct Pet Insurance
tick
tick
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Coles Premium Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$0
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Australian Seniors Top Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
loading

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

More guides on Finder

Go to site