{"menuItems":[{"label":"What other cover options does RACV Pet Insurance offer?","anchorName":"#what-other-cover-options-does-racv-pet-insurance-offer"},{"label":"What isn\u2019t covered under my policy?","anchorName":"#what-isn-t-covered-under-my-policy"},{"label":"What do I do if I need to make a claim?","anchorName":"#what-do-i-do-if-i-need-to-make-a-claim"},{"label":"What are the benefits of choosing RACV Pet Insurance?","anchorName":"#what-are-the-benefits-of-choosing-racv-pet-insurance"},{"label":"Compare alternative pet insurance policies","anchorName":"#compare-alternative-pet-insurance-policies"}]}
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.
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:
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.
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.
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
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.
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.
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.
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Sam Baran is a writer for Finder, covering topics across the tech, telco and utilities sectors. They enjoy decrypting technical jargon and helping people compare complex products easily. When they aren't writing, you'll find Sam's head buried in a book or working on their latest short story. Sam has a Bachelor of Advanced Science from the University of Sydney.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
