RSPCA

RSPCA Company Profile and Products

The cost of veterinary services in Australia has increased dramatically in the past decade.  This has prompted many Australians to purchase pet insurance for their much-loved pets.  

Pet insurance helps pet owners pay the costs of veterinary care after their pet has become ill or had an accident.  It ensures that your pet gets the care they need, regardless of your current financial situation. 

The RSPCA is one of Australia’s leading providers of pet insurance.  They are also Australia’s largest and most well-known animal welfare organisation.  Established in 1981, they provide medical care and re-homing to thousands of animals each year.  In the past 10 years they have adopted out, reunited or released into the wild more than 700,000 animals.

Many pets taken in by the RSPCA are given up by owners who could not afford veterinary fees.  That is why the organisation decided to start offering pet insurance.  They want to help pet owners deal with the expense of vet bills, keeping their pets safe and healthy. 

The RSPCA sells three different pet insurance plans.  The Basic Accident Only Cover plan, the Economy Accident & Illness Cover plan and the Ultimate Accident & Illness Cover plan.  Each plan provides a different level of coverage, making it easy for consumers to find the perfect plan for their pet.  RSPCA pet insurance plans cover up to 80% of veterinary costs and are packed with features. 

RSPCA pet insurance uses some of the profits they make to help animals in their shelters.  You won’t just be protecting your pet, you will be saving the lives of other less-fortunate animals.

Animals Covered by RSPCA Pet Insurance

  • Dogs between 8 weeks of age and 9 years of age
  • Cats between 8 weeks of age and 9 years of age

Once your pet is accepted with RSPCA pet insurance, they will have lifelong coverage as long as you continue to renew your policy.  You can only obtain illness coverage for your older pets by registering them before 9 years of age.  There is no upper age-limit for accident-only coverage.

The Benefits of RSPCA Pet Insurance


Every pet owner wants the best possible life for their cat or dog.  They want to keep them safe and help them enjoy a lifestyle that other animals only dream of!

Unfortunately, having a pet can be expensive and the cost of living in Australia is very high.  If an unexpected $4,000 vet bill suddenly arrives, pet owners often have to choose between their pet’s health and their own financial health.

Pet insurance protects you from having to make that difficult decision.  It works in a similar way to regular health insurance.  You pay a small monthly premium to the insurance company.  In return, they will help you pay for any vet bills from an illness or accidental injury.

RSPCA pet insurance covers up to 80% of your veterinary bills.  Each plan has a generous annual benefit limit and covers a wide range of ailments.  This assistance makes it much easier to handle large veterinary bills.

If you have coverage with RSPCA pet insurance, you will be able to take your pet to any qualified veterinarian across the country.  You won’t have to search out a vet who is more affordable or offers a payment plan.   You can take your pet to the best veterinarian available, knowing you will have help when paying the bills. 

Having pet insurance also motivates you to take your pet to a veterinarian immediately.  Some pet owners find themselves delaying vet trips because they are concerned about the cost.  They often take a “wait and see” approach to find out if their pet is really sick or has a temporary illness.  When you know financial assistance is available, you will have every illness diagnosed by a professional and remove the guesswork.

Some RSPCA pet insurance plans help pet owners pay for preventative and routine care.  They will contribute a small amount of money to flea treatments, dog training classes and annual vaccinations.

The Pet Insurance Plans Offered by RSPCA Pet Insurance

RSPCA pet insurance offers two seperate accident and illness plans.  They are called RSPCA Ultimate Accident & Illness Cover and RSPCA Economy Accident & Illness Cover.  It also offers an accident-only plan called RSPCA Basic Accident Only Cover.  The key features of each plan are as follows:

RSPCA Economy Accident & Illness Cover

  • $11,000 Annual limit
  • 75% back on eligible bills
  • $0 excess
  • 30 day waiting period for illnesses, 6 months for cruciate ligament
  • $300 for consultations and vet visits
  • Covers accidents and illnesses (with certain exclusions listed below)
  • Sub Limits
    Some conditions and treatments have lower annual payment limits.  They include cruciate ligament ($2,600), paralysis tick ($1,000), emergency boarding ($1,000)

The RSPCA Economy Accident & Illness Cover is a fantastic policy for pet owners who want affordable comprehensive coverage.

RSPCA Ultimate Accident & Illness Cover

  • $11,000 Annual limit
  • 75% back on eligible bills
  • $0 excess
  • Routine care benefit (optional)
  • 30 day waiting period for illnesses, 6 months for cruciate ligament
  • $300 for consultations and vet visits
  • Covers accidents and illnesses (with certain exclusions listed below)
  • Sub Limits
    Some conditions and treatments have lower annual payment limits.  They include cruciate ligament ($2,600), paralysis tick ($1,200), emergency boarding ($1,000)

The RSPCA Ultimate Accident & Illness Cover improves the percentage reimbursed (up to 80%).  It also adds a higher annual benefit limit for tick treatments ($1,200).  This policy also has the option of including a routine care payment.  This is an annual payout for routine care like flea treatments and vaccinations.

RSPCA Basic Accident Only Cover

  • $7,000 Annual limit
  • 80% back on eligible bills
  • $0 excess
  • 6 months for cruciate ligament
  • $300 for consultations and vet visits
  • Covers accidents (with certain exclusions listed below)
  • Sub Limits
    Some conditions and treatments have lower annual payment limits.  They include cruciate ligament ($2,600), emergency boarding ($500)

RSPCA Basic Accident Only Cover is a great option for pet owners mainly concerned about accidents.  It can also be useful for people with older pets who are unable to obtain other kinds of coverage.

What Conditions and Treatments Aren't Covered?


RSPCA pet insurance has a fairly short list of exemptions, including:

  • Pre-existing conditions
    Pre-existing conditions that your pet showed signs of before you signed up.
  • Dental procedures
    Like most other pet insurance policies, dental procedures are not covered.
  • Behavioural problems
    Costs relating to behavioural problems are not covered.
  • Day-to-day care
    The items that you need for your pet on a daily basis are not covered.  That includes prescription foods, grooming costs, training classes, and flea treatments.
  • Certain treatments
    Like most pet insurance policies, these policies do not cover alternative health treatments like acupuncture and homeopathy.  It also doesn’t cover chiropractors, laser therapy, organ transplants and gene therapy.
  • Elective procedures
    Procedures including debarking and cosmetic alterations are not covered.
  • Certain injuries
    Some of the injuries that are not covered include injuries caused by abuse or neglect, patella luxation, intervertebral disc disease and elbow dysplasia.

Why Choose RSPCA Pet Insurance?

RSPCA pet insurance offers some excellent advantages over other policies:

  • A generous annual benefit limit
    The benefit limits are higher on RSPCA policies compared to most competitors
  • RSPCA Pet Insurance has a $0 excess
    Most pet insurance plans have an excess for each claim that you make.  It a small payment for any claim on a new condition within a policy year.  It usually ranges between $100 and $300 for most policies.  All RSPCA pet insurance plans have a $0 excess. 
  • A generous multi-pet discount
    RSPCA pet insurance offers customers a 10% discount on each additional pet you obtain coverage for.  That is better than many other insurance companies which only offer 5% or do not have a multi-pet discount.
  • The RSPCA has an excellent reputation
    The RSPCA is considered to be one of the most trustworthy organisations in Australia.  The fact that a portion of their pet insurance profits go to helping abandoned and sick pets is an additional benefit.

RSPCA

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