RACV Pet Insurance

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

No reviews yet. Write a review

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!

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.

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 Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Dog Insurance
$12,000
$1,500
$12,000
80%
80%
⭐Finder Exclusive: Buy a Budget Direct Pet Insurance policy by July 31st and you will receive a $80 eGift Card once you pass your 21-day cooling off period. Click “Get a Quote” to qualify and redeem your offer.
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Get 1 month free of Pet Insurance. Plus, Medibank health members save 10% every year. Use the promo code FREEMONTH. Offer ends August 18, 2021. T&Cs apply.
PD Deluxe Plan
$15,000
$2,300
$15,000
N/A
N/A
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
100%
100%
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Coles Premium Cover
$15,000
$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.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$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.
loading

Compare up to 4 providers

Get a better deal on pet insurance

Go to site