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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.
Cover you can tailor to your pet: With RSPCA Pet Insurance’s PetFlex cover, you can customise your pet’s policy to suit your needs and budget.
No sub-limits: Claim up to your chosen annual limit, with no tricky sub-limits to worry about.
Your policy supports the RSPCA: Every policy contributes to the RSPCA’s animal welfare initiatives.
A wide range of optional extras: From dental illness to supportive therapies, RSPCA Pet Insurance offers a wide range of optional extras to boost your pet’s cover.
Have your vet submit claims for you: Direct2Vet (RSPCA Pet Insurance’s online claims portal for vet clinics) allows vets to submit claims for you. If your claim is approved, they pay your vet directly and you simply pay the gap between the invoice and what's covered by your policy.
What isn’t covered under RSCPA Pet Insurance?
Pre-existing conditions, unless an exception to this exclusion is approved by us after a pre-existing symptoms and conditions assessment as specificed on your Certificate of Insurance.
Desexing
Brachycephalic Obstructive Airway Syndrome (BOAS), unless an assessment is completed and approved
Annual health exams/check-ups, vaccinations, or microchipping (unless routine care cover has been added as an optional extra)
Please note that this is just a summary of what’s not covered. For the full list of exclusions, please refer to the RSPCA Pet Insurance PDS
How to submit a claim
To submit a pet insurance claim with RSPCA Pet Insurance, you’ll need to complete the following steps:
Log into customer portal: Sign into your account and click on ‘Submit a claim’.
Submit necessary documentation: Upload information relating to your claim, such as invoices, clinical notes, or any other supporting documents.
Save your claim number: Once your claim has been submitted, you’ll receive a claim number. Keep this somewhere safe, as it will be your reference for your claim.
Await a response: The RSPCA Pet Insurance team will be in touch with you shortly with a claim outcome, or if they need further information regarding your claim.
Prefer to have your claim submitted for you by your vet? With RSPCA Pet Insurance’s Direct2Vet service, you can! If your claim is approved, they’ll pay your vet directly and you’ll simply need to pay the gap between the invoice and what’s covered by your policy.
Here’s how it works:
Your pet receives treatment at a participating vet clinic.
Your vet submits your claim through the Direct2Vet portal.
Your claim is assessed based on your policy’s terms and conditions.
If your claim is approved, RSPCA Pet Insurance pays your clinic directly for the covered amount.
You simply pay any remaining costs not covered by your policy.
FAQs
Yes, on 1 April 2026, the RSPCA entered into a new strategic partnership with Pacific International Insurance. If you have an active RSPCA-branded pet insurance policy that started before 1 April 2026, this means your policy may no longer be contributing to the RSPCA. The good news? Switching to a policy that does is simple.
You can switch to comparable cover with the PetShield product, or get a quote for the new, customisable PetFlex product. For more information about switching your policy, it’s best to speak to the RSPCA Pet Insurance team directly.
RSPCA Pet Insurance policies include cover for illnesses, injuries, essential euthanasia, and emergency boarding.
When it comes to adding extra cover: PetFlex product: You can add cover for things like dental illnesses, supportive therapies, behavioural conditions, and routine care. PPetShield product: You can add cover for routine care.
For more information, please refer to the RSPCA Pet Insurance PDS.
This isn’t an easy question to answer, as the cost of your pet insurance policy will depend on a range of factors, such as your pet’s breed, age, the level of cover you’re after and previous claims history. To get the best deal for your pet, it’s best to compare a few different quotes before selecting the right option for your pet.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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I wish to cancel my policy as we know longer have the cat have given the cat to our daughter to replace the one she lost
Finder
RichardJanuary 6, 2016Finder
Hi Sandra,
Thanks for your question. finder.com.au is a comparison service. You’ll need to contact RSPCA directly which you can do so by calling 1300 881 492.
I hope this was helpful,
Richard
DeborahSeptember 4, 2015
Hi, I already have 2 cats insured (3.5yo & 3yo) and have just adopted a dog to rescue him from being euthanized. The dog is a 13-14yo Jack Russell cross. Which cover can I get for him to add on to my existing policy?
Finder
RichardSeptember 4, 2015Finder
Hi Deborah,
Thanks for question. According to the RSPCA Pet Insurance FAQs page, while there are no age limits for Accidental Injury Cover, dogs and cats nine years and older cannot be covered for RSPCA Economy Accident & Illness Cover or RSPCA Ultimate Accident & Illness Cover.
I hope this was helpful,
Richard
JenJenApril 21, 2015
I have RSPCA Ultimate Pet cover for my 2.5yr dog. She has been covered by this insurance since she was 10 weeks old. Recently she was diagnosed with a ‘floating kneecap’. This is not a pre existing condition and will need an operation by an orthopedic surgeon. Is my dog covered to the usual 80% benefit.
Finder
RichardApril 22, 2015Finder
Hi Jenjen,
Thanks for your question. You ought to be cover. However, you will need to contact RSPA Pet Insurance for a definitive answer.
Thanks,
Richard
chenieFebruary 10, 2015
Hi,
I am on the ultimate cover with RSPCA and my puppy is due in for surgery for Hernia repair. But i have realized he is not up to date with his vaccinations.
Will i still be covered?
Finder
RichardFebruary 10, 2015Finder
Hi Chenie,
Thanks for your question. Whether or not your puppy is covered depends on whether or not vaccinations is mentioned in your schedule of benefits as an exclusion if shots are not up to date. Your best bet is to get in contact with RSPCA and ask them whether or not you’re covered. You can reach them by calling 1300 881 492.
I hope this was helpful,
Richard
StephanieDecember 10, 2014
Hi
I have the Ultimate Cover for my puppy and he has recently been desexed. I am wondering if he is covered, how much coverage percentage I can claim and how I can claim it.
Please email me back at your earliest convenience.
Kinds Regards
Stephanie
Finder
RichardDecember 11, 2014Finder
Hi Stephanie,
Thanks for your question. RSPCA Pet Insurance allows policyholders to claim for up to 80%, which is designed to help pet owners cope with unexpected expenses. However not all vet bills are covered. Unless it is stated on your Certificate of Insurance, desexing is not covered as it is an elective procedure.
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Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Complete guide to finding the right pet insurance with a side-by-side comparison of major brands.
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I wish to cancel my policy as we know longer have the cat have given the cat to our daughter to replace the one she lost
Hi Sandra,
Thanks for your question. finder.com.au is a comparison service. You’ll need to contact RSPCA directly which you can do so by calling 1300 881 492.
I hope this was helpful,
Richard
Hi, I already have 2 cats insured (3.5yo & 3yo) and have just adopted a dog to rescue him from being euthanized. The dog is a 13-14yo Jack Russell cross. Which cover can I get for him to add on to my existing policy?
Hi Deborah,
Thanks for question. According to the RSPCA Pet Insurance FAQs page, while there are no age limits for Accidental Injury Cover, dogs and cats nine years and older cannot be covered for RSPCA Economy Accident & Illness Cover or RSPCA Ultimate Accident & Illness Cover.
I hope this was helpful,
Richard
I have RSPCA Ultimate Pet cover for my 2.5yr dog. She has been covered by this insurance since she was 10 weeks old. Recently she was diagnosed with a ‘floating kneecap’. This is not a pre existing condition and will need an operation by an orthopedic surgeon. Is my dog covered to the usual 80% benefit.
Hi Jenjen,
Thanks for your question. You ought to be cover. However, you will need to contact RSPA Pet Insurance for a definitive answer.
Thanks,
Richard
Hi,
I am on the ultimate cover with RSPCA and my puppy is due in for surgery for Hernia repair. But i have realized he is not up to date with his vaccinations.
Will i still be covered?
Hi Chenie,
Thanks for your question. Whether or not your puppy is covered depends on whether or not vaccinations is mentioned in your schedule of benefits as an exclusion if shots are not up to date. Your best bet is to get in contact with RSPCA and ask them whether or not you’re covered. You can reach them by calling 1300 881 492.
I hope this was helpful,
Richard
Hi
I have the Ultimate Cover for my puppy and he has recently been desexed. I am wondering if he is covered, how much coverage percentage I can claim and how I can claim it.
Please email me back at your earliest convenience.
Kinds Regards
Stephanie
Hi Stephanie,
Thanks for your question. RSPCA Pet Insurance allows policyholders to claim for up to 80%, which is designed to help pet owners cope with unexpected expenses. However not all vet bills are covered. Unless it is stated on your Certificate of Insurance, desexing is not covered as it is an elective procedure.
I hope this was helpful,
Richard