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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.

What We Like 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.

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

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

RACQ Pet insurance’s rating around the web

RACQ Pet Insurance reviews on other locations

These ratings are updated Monthly!

Name

Rating

(out of 5)

4

Read reviews

There are 1 Reviews.

4.1

Read reviews

There are 33 Reviews.

0

Read reviews

There are 0 Reviews.

2.5

Read reviews

There are 71 Reviews.

1.8

Read reviews

There are 67 Reviews.

NA

Read reviews

There are 0 Reviews.

Name

Rating out of 5

Details

4

There are 1 Reviews

4.1

There are 33 Reviews

0

There are 0 Reviews

2.5

There are 71 Reviews

1.8

There are 67 Reviews

NA

There are 0 Reviews

Pet Insurance Policies

Pet Insurance Policies Offered by RACQ Pet Insurance

The insurance quotes and policies listed are subject to change. For the most accurate and up-to-date information, please refer directly to the provider's website.

Policy

Coverage

Annual Limit

Benefit Percentage

Excess

Optional Extra Benefits?

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

Policy Coverage Annual Limit Benefit Percentage Excess Optional Extra Benefits
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 5 Years Old
Cavoodle $82.90 $121.09
Labrador $121.49 $168.79
Staffordshire Bull Terrier $107.12 $147.05

For Cats

Breed 1 Year Old 5 Years Old
Domestic Shorthair Cat $45.75 $51.52
British Shorthair $52.40 $59.06

What our customers say

David Whitton

Petsy were patient and thorough as I worked out my new puppy’s insurance. They answered all my questions and the online process was seamless. Very happy with no sub limits as well. Highly recommended.

Fisme

The entire Australian based team at Petsy are friendly, awesome and extremely helpful - thank you to Catherine, Alex, Carissa, Jenny N & Alison for all your support in the recent months. You guys are incredible.

Mohyddeen Elkayal

Petsy insurance was a great choice , they give you peace of mind when it comes to your the health of your precious Pets. I highly recommend them over any other pet insurance company. No wonder they have the best reviews.

Submit a review for RACQ Pet Insurance

Contact Us

Frequently asked questions

Still have a few things you'd like to clear up about pet insurance? We’re here to help!

  • How Can I Make a Claim?

    RACQ Insurance Portal accessible from any device

  • What Are the Waiting Periods?

    Injury: Not specified

    Illness: 21 days

    Specified Conditions: 6 months for cruciate ligament conditions

  • Vet Network and Accessibility

    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)

  • Customer Service and Support

    Online Chat

    Phone Support: Available Monday to Friday 8am to 8pm AEST (assumed based on standard offerings)

  • Are There Any Additional Benefits?

    Optional TLC package for routine care (e.g., desexing, microchipping, teeth cleaning)

    Coverage extended to New Zealand and Norfolk Island for travel

  • Are There Any Discounts or Bonuses?

    Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.

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