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RACQ Pet Insurance
RACQ Pet Insurance offers comprehensive coverage for both illness and injury, ensuring that your pets are protected throughout their lives. With high annual benefit limits and the option for coverage abroad, RACQ provides a flexible and robust insurance plan that covers a wide range of medical conditions, treatments, and emergency services. The optional Tender Loving Care (TLC) package allows pet owners to add routine care, making it a more complete solution.
4.125
Furbaby Expert’s Score
Details of the company
Name
RACQ Pet Insurance
Address
PO Box 4, Springwood, Queensland 4127
Phone number
13 1905
Accidental injury
Yes
Routine care
Optional with TLC package
Lifetime cover
Yes (as long as the policy is continuously renewed)
Reimbursement rate
Up to 80%
Cooling off period
Not specified
Excess options
Varies by plan and condition
Emergency boarding
Yes (up to $1,000 annually)
Consultations, vet visits
Included
What's good about RACQ Pet Insurance
RACQ Pet Insurance provides generous coverage for vet costs, covering up to 80% of eligible bills with an annual limit of $12,000. The policy also covers emergency boarding, euthanasia, and overseas travel, making it an excellent choice for pet owners who travel frequently. Additionally, the lifetime illness and injury coverage ensures that older pets continue to be protected as long as the policy is renewed without a break.
- Coverage for cats
- Coverage for dogs
Why should we choose RACQ Pet Insurance?
RACQ pet insurance believes that one of the struggles of pet owners is finding the right pet insurance. An in Australia, 9 out of 10 pets are not insured. So, RACQ pet insurance goes to the rescue.
Pros
- High annual benefit limit ($12,000)
- Lifetime illness and injury cover after 9 years
- Emergency boarding and euthanasia costs covered
- Coverage extended to New Zealand and Norfolk Island
Cons
- Exclusions for pre-existing conditions and certain illnesses
- Limited coverage for cruciate ligament and Brachycephalic Airway Syndrome (BAS)
- Waiting periods apply for illness (21 days) and some conditions (e.g., 6 months for cruciate ligament)
- Routine care only available through the optional TLC package
Location
Provider
Rating
Details
RACQ Pet Insurance Reviews on Other Locations
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Pet Insurance Policies Offered by RACQ
Policy
Coverage
Annual limit
Benefit percentage
Excess
Optional extra benefit?
Illness & Injury Cover
Covers illness, accidental injury, chronic conditions, and vet treatments
$12,000
Up to 80%
Varies by plan
Optional: TLC package for routine care (e.g., desexing, teeth cleaning)
Pet Abroad Cover
Covers illness and injury while traveling with your pet to New Zealand or Norfolk Island
Same as above
Up to 80%
Same as above
Included with Illness & Injury Cover
Annual Premiums
For Dogs
Breed
1 year old
$82.90
$121.09
Labrador
$121.49
$168.79
$107.12
$147.05
For Cats
$45.75
$51.52
$52.40
$59.06
What pet parents say about RACQ pet insurance
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FAQs about RACQ Pet Insurance
Still have a few things you’d like to clear up about RACQ pet insurance? We’re here to help!
- Injury: Not specified
- Illness: 21 days
- Specified Conditions: 6 months for cruciate ligament conditions
RACQ Insurance Portal accessible from any device
- Network: Any licensed vet in Australia, New Zealand, or Norfolk Island
- Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses (assumed based on standard industry practices)
- Online Chat
- Phone Support: Available Monday to Friday 8am to 8pm AEST (assumed based on standard offerings)
- Optional TLC package for routine care (e.g., desexing, microchipping, teeth cleaning)
- Coverage extended to New Zealand and Norfolk Island for travel
Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.