First month free
10% Multi-pet Discount
Based on RSPCA pet insurance brand scores in Finder's 2024 Customer Satisfaction Awards.
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
RSPCA received the following awards in the 2024 Customer Satisfaction Awards:
To help give you an idea about costs for RSPCA pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
| Dog Breed | 1yr old | 5yr old |
|---|---|---|
| Maltese Cross | $1,011.65 | $1,536.78 |
| Cavoodle | $1,011.65 | $1,536.78 |
| Labrador | $1,274.59 | $1,953.21 |
| Staffordshire Bull Terrier | $1,092.50 | $1,669.02 |
| Border Collie | $1,092.50 | $1,669.02 |
Prices will differ based on a few criteria, including:
"Pet insurance is very expensive (I'm paying $152.07/month for my 2-year-old French bulldog) but there are always special offers so it's worth comparing your options every year or so. When I signed up there was a discount for the first year, so I was paying $118.60/month, but it has since gone up and it was time to compare my options. I like how there is no excess with RSPCA, which is one of the most important things I compared in my research. The "economy cover" doesn't cover everything so it's important to check the fine print and make sure you're comfortable with what it does and does not include. For example, I didn't realise it didn't include desexing and I was out of pocket for this procedure."
Here's what's included with RSPCA pet insurance.
Like all insurers, RSPCA covers accidental injuries. It'll pay you 80% of vet bills if your pet is involved in an injury such as:
Some RSPCA policies cover illnesses. They can pay 80% of eligible vet bills for illnesses such as:
Routine care is an optional benefit with RSPCA. This means you need to pay extra for it if you want it included. It can help pay the costs of the following:
If you're a previous or existing customer of RSPCA pet insurance, we'd love to hear from you! Leave a quick review here.
Gap only pet insurance makes it easier to pay for vet bills. Here's how and who offers it in Australia.
Learn more about rabbit pet insurance in Australia - what's covered, how much you can claim and the exclusions.
Learn what's covered with bird pet insurance and how it can help pay for vet bills if your bird is in an accident or becomes ill.
How do Aussies really feel about their pets? Check out the latest survey results.
Ever wondered how much it would cost to insure your dog? We've crunched the numbers so you can easily compare pet insurance prices between breeds.
We've rounded up the cost of surgeries for pets as well as pet insurance options to save you money if your pet needs surgery.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Compare pet insurance deals and discounts available from Australian brands and save further on your policy.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Complete guide to finding the right pet insurance with a side-by-side comparison of major brands.
I wish to cancel my policy as we know longer have the cat have given the cat to our daughter to replace the one she lost
Hi Sandra,
Thanks for your question. finder.com.au is a comparison service. You’ll need to contact RSPCA directly which you can do so by calling 1300 881 492.
I hope this was helpful,
Richard
Hi, I already have 2 cats insured (3.5yo & 3yo) and have just adopted a dog to rescue him from being euthanized. The dog is a 13-14yo Jack Russell cross. Which cover can I get for him to add on to my existing policy?
Hi Deborah,
Thanks for question. According to the RSPCA Pet Insurance FAQs page, while there are no age limits for Accidental Injury Cover, dogs and cats nine years and older cannot be covered for RSPCA Economy Accident & Illness Cover or RSPCA Ultimate Accident & Illness Cover.
I hope this was helpful,
Richard
I have RSPCA Ultimate Pet cover for my 2.5yr dog. She has been covered by this insurance since she was 10 weeks old. Recently she was diagnosed with a ‘floating kneecap’. This is not a pre existing condition and will need an operation by an orthopedic surgeon. Is my dog covered to the usual 80% benefit.
Hi Jenjen,
Thanks for your question. You ought to be cover. However, you will need to contact RSPA Pet Insurance for a definitive answer.
Thanks,
Richard
Hi,
I am on the ultimate cover with RSPCA and my puppy is due in for surgery for Hernia repair. But i have realized he is not up to date with his vaccinations.
Will i still be covered?
Hi Chenie,
Thanks for your question. Whether or not your puppy is covered depends on whether or not vaccinations is mentioned in your schedule of benefits as an exclusion if shots are not up to date. Your best bet is to get in contact with RSPCA and ask them whether or not you’re covered. You can reach them by calling 1300 881 492.
I hope this was helpful,
Richard
Hi
I have the Ultimate Cover for my puppy and he has recently been desexed. I am wondering if he is covered, how much coverage percentage I can claim and how I can claim it.
Please email me back at your earliest convenience.
Kinds Regards
Stephanie
Hi Stephanie,
Thanks for your question. RSPCA Pet Insurance allows policyholders to claim for up to 80%, which is designed to help pet owners cope with unexpected expenses. However not all vet bills are covered. Unless it is stated on your Certificate of Insurance, desexing is not covered as it is an elective procedure.
I hope this was helpful,
Richard