Furbaby Insurance

RACQ pet insurance

2.7
2.7 out of 5 stars (based on 15 reviews)

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About RACQ Pet Insurance

At the Royal Automobile Club of Queensland (RACQ), we do more than meet our members' needs, we provide peace of mind through our roadside assistance, motoring services, insurance, banking, travel and solar products. RACQ is owned by our over 1.7 million members and we’ve been a force for good in Queensland communities for over 120 years.

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RACQ Pet Insurance Reviews from Australian Pet Owners

Charged excess twice for procedures conducted at the same time

December 17, 2025

Charged twice for excess for separate procedures on our claim despite the procedures being conducted at the same time and listed in the same invoice for claim. Immediately cancelled our policy because of this ridiculous stipulation.

Avatar for NJN
NJN

RIP OFF - 2023 - Appalling 25% renewal increase with no claims and low risk breed

December 17, 2025

Happily RIP OFF long-standing clients!! I have kelpie x 7.5yo with no pre-existing conditions – RAC have increasingly disappointed across the board with insurance premiums skyrocketing unjustifiably over the past few years but this year they’ve outdone themselves. Don’t bother trying to get a honest answer out of them about why either .. I’ll save you the 1HR wait time – apparently it’s all about the algorithms and no human at RAC has a clue what that actually means or can provide any advice (aka customer service) outside of that. A job for AI in future perhaps? Save your time and money and look elsewhere!

Avatar for Meg S
Meg S

A 70% price rise - outrageous!

December 17, 2025

So after being insured for 2 years, and currently paying $75 a month for my dog, I just got my renewal…. for $124 a month. That is obscene!!! A nearly 70% price rise. That’s the last the RAC will see of me.

Avatar for Heike
Heike

Rac rip off

December 17, 2025

Policy up by 40% this year, no claims last year. Same applied to our car and house insurance plus excess went up massively. Keep well away from this company.

Avatar for Graham R Facey
Graham R Facey

What a rip off

December 17, 2025

My insurance went firstly from $55 to $136 a month !!!! And now up again year later to $189 without any claims !!! What a rip off

Avatar for Martyna I
Martyna I

Absolutely the worst pet insurance I have ever had.

December 17, 2025

Absolutely the worst pet insurance I have ever had. Make you pay excess more than once on the same condition, take ridiculous amounts of time to finalise claims (had one that took over a month) and don’t even provide a breakdown of their payments to you…. Seems very disingenuous. They love keeping your money to themselves! If I could change provider I would but my dog is older with pre existing conditions. My other pets are with different insurer and it’s worlds apart.

Avatar for Nika1981
Nika1981

RACQ is the most unethical company I have ever experienced.

December 17, 2025

Would advise anyone looking for insurance for their beloved family member to look ANYWHERE ELSE than RACQ. They are the most unethical company I have ever experienced. The time it takes for claims to be looked at and finalised post vet visit is absurd. Currently in an administrative nightmare situation after their vet advisor had read/perceived our dogs clinical notes incorrectly. Have taken further measures and cancelled policies. Worst experience ever

Avatar for KerryHoughton
KerryHoughton

The reviews displayed on this page include reviews submitted directly to Furbaby as well as reviews collected from publicly available third-party review platforms. Each review is clearly labeled with its source. Third-party reviews are referenced for informational purposes only and are not owned by Furbaby. All third-party reviews remain the property of their original authors and the platforms on which they were posted. We have reproduced these reviews as they appear in the public domain to help pet owners make informed decisions about pet insurance providers.

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