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Pet insurances

RAC Pet Insurance review

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
RAC
Policy
Pet Insurance
Underwriter
RACQ Insurance Limited
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$12000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0, $100 or $200

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 21 day waiting period
Vet consults
Covered
Emergency treatment
Covered
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • Up to $2000
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
Covered
Cruciate ligament conditions
  • Covered
  • Up to $2600
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Covered for injury
  • Cover includes fractured tooth due to trauma
  • Insurer requires annual dental examination/treatment
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • One incident per year
Heart conditions
Covered
Orthopaedic conditions
Covered
Patella luxation
Not covered
Joint conditions
  • Covered
  • No cover for elbow dysplasia
Intervertebral disc disease
Not covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Cover limited to tick paralysis
  • No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
  • Some cover available under routine care option
Skin conditions
Covered
Snakebite
Covered
Vaccinatable Conditions
  • Covered
  • Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • Optional
  • Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Customer portal
  • Phone
Quickeasyclaims
Directpayments

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