Furbaby Insurance Reviews and Info

Contact us
Menu
  • Claimed and verified profile

RSPCA Pet Insurance

Get a quote
Read more

RSPCA Pet Insurance offers four flexible policies for cats and dogs, focusing on comprehensive accident and illness coverage. With options for no excess and add-on routine care, it reimburses up to 80% of eligible vet bills, with annual limits up to $20,000.

3.725

Furbaby Expert’s Score

Details of the company

Name

RSPCA Pet Insurance

Address

Locked Bag 9021 Castle Hill NSW 1765

Phone number

1300 881 492

Accidental injury

Yes

Routine care

Optional

Lifetime cover

Yes (as long as the policy is continuously renewed)

Reimbursement rate

Up to 80%

Cooling off period

30 Days

Excess options

$0 Annual Excess

Emergency boarding

Yes

Consultations, vet visits

Included

What We Like About RSPCA Pet Insurance

RSPCA Pet Insurance is known for its straightforward claims process and broad coverage, including chronic conditions. It offers flexible cover levels with options to add routine care benefits. The no excess options on some plans help reduce out-of-pocket expenses, and policies come with a lifetime renewal guarantee, giving pet owners peace of mind for long-term protection.

  • Coverage for cats
  • Coverage for dogs

Why should we choose RSPCA Pet Insurance?

Pros

  • Four cover level options all with $0 excess
  • 10% multi-pet discount available
  • Routine care available as optional extra
  • Lifelong cover available (no breaks in coverage)
  • No waiting period for specified accidental injuries

Cons

  • Reimbursement capped at 80%, lower than some competitors
  • Strict sub-limits
  • Annual limits up to $20,000 may be limiting for some pets
  • Does not cover any dental treatment
  • Mixed customer reviews on claims process and price renewals

Location

Provider

Rating

Details

2.7

19 reviews

Read reviews

NA

0 reviews

Read reviews

4.4

7443 reviews

Read reviews

1.5

10 reviews

Read reviews

3.9

136 reviews

Read reviews

3.1

12 reviews

Read reviews

RSPCA Pet Insurance Reviews on Other Locations

These ratings are updated Monthly!

RSPCA Pet Insurance Reviews

Product review coloured logo
Image of a single star4.47443reviews

RSPCA Pet Insurance reviews on Product Review

Read Review
Trust pilot coloured logo
Image of a single star2.719reviews

RSPCA Pet Insurance reviews on Trust Pilot

Read Review
google coloured logo
Image of a single starNA0reviews

RSPCA Pet Insurance reviews on Google

Read Review
Choice coloured logo
Image of a single star1.510reviews

RSPCA Pet Insurance reviews on Choice

Read Review
Finder logo colored
Image of a single star3.9136reviews

RSPCA Pet Insurance reviews on Finder

Read Review
Compare insurance logo colored
Image of a single star3.112reviews

RSPCA Pet Insurance reviews on Compare Insurance

Read Review

Pet Insurance Policies Offered by RSPCA 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 benefit?

RSPCA General Accident & Illness Cover

Vet costs for specified accidental injuries and illnesses,  tick paralysis, cancer treatment, skin conditions

$11,000 per year

60%

$0

N/A

Economy Accident & Illness Cover

Vet costs for specified accidental injuries and illnesses,  tick paralysis, cancer treatment, skin conditions

$11,000 per year

75%

$0

N/A

Ultimate Accident & Illness Cover

Vet costs for specified accidental injuries and illnesses,  tick paralysis, cancer treatment, skin conditions

$11,000 per year

80%

$0

Routine care (optional)

Ultimate Plus Accident & Illness Cover

Vet costs for specified accidental injuries and illnesses,  tick paralysis, cancer treatment, skin conditions

$20,000 per year

80%

$0

Routine care (optional)

Annual Premiums

For Dogs
Breed
1 year old
5 year old
Cavoodle

$53.42

$60.62

Labrador

$74.21

$84.95

Staffordshire Bull Terrier

$65.85

$75.30

For Cats
Breed
1 year old
5 year old
Domestic Shorthair Cat

$72.98

$102.55

British Shorthair

$72.98

$102.55

What pet parents say about RSPCA pet insurance

Dorina My dog was diagnosed with cancer and had lots of vet bills. All the claims were processed in a timely manner and I got refunds very quickly. Also, when my dog died, I received a compassionate email from the company with a confirmation of policy cancellation. So far the best pet insurance company I have dealt with. Highly recommended.
Source: Product Review
Joanna Grace Extremely nice friendly thoughtful & caring staff to deal with, claims have always been addressed promtly.
Source: Product Review
Mark Considering the exponential increases, year on year, that occur with RSPCA Pet Insurance, you expect the claims process to run smoothly. I am pleased to say this is the case with RSPCA Pet Insurance. The claim for my pet was reviewed and processed promptly.
Source: Product Review
Althom Last years increase of 31% was bad enough but this year they've outdone that. 35% increase with not a single claim made. I don't know what planet the underwriters are living on but they certainly aren't living on the same planet as my vet whose costs have only increased by just over 12% in the same timeframe. Why can't the insurers who offer Pet Insurance offer a No Claims bonus like they do for car, house & contents etc. They know that with an older dog the choices are either put up with exorbitant price increases, take up another policy that still costs a lot but covers nothing or have zero cover. It's called gouging and it is unconscionable behaviour.
Source: Product Review
Michelle I was happy with the coverage 80% up to $20k coverage. But premiums increased significantly every year my dog got older. She is almost 13 and they are asking a ridiculous sum that I can no longer justify. On average I claim one small vet bill per year. I would have liked to continue to have pet insurance into her senior years, where it matters most, but RSPCA made sure that wasn’t going to happen. In the end, I have come to the conclusion that it’s all a scam to get your money when animals are young and healthy!
Source: Product Review

Submit a review for RSPCA Pet Insurance

    Your Rating (out of 5 star)

    FAQs about RSPCA Pet Insurance

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

    Policy holders can submit claims via RSPCA Insurance Portal accessible from any device. Or policy holders have the option to submit claims via the post.  

    Injury: No waiting period for specified accidental injuries

    Illness: 30 days

    Specified Conditions: 6 months for cruciate ligament conditions (may be waved on application basis)

    Network: Any licensed vet in Australia

    Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses (assumed based on standard industry practices)

    Phone Support and can request a call back

    Optional routine care available with Ultimate and Ultimate Plus Insurance Plans

    Tick paralysis treatment included in all plans (subject to limits)

    10% multi-pet discount on each new additional policy.

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

    Scroll to Top