RSPCA is a name that’s synonymous with looking out for the welfare of pets and animals, so choosing RSPCA pet insurance for your dog or cat should be an easy decision. Widely advertised on television and online, RSPCA pet insurance is the most popular pet insurance plan in Australia.
While the RSPCA brand is attached to pet insurance, the program is actually marketed by Greenstone Financial Services and underwritten by The Hollard Insurance Company, which is one of the largest providers of pet insurance in Australia.
What we like about RSPCA Pet Insurance:
- Accident and illness policies have an $11,000 annual benefit cap, which is a shade higher than the $10,000 cap that featured by many other policies.
- All RSPCA policies feature no excess, so you’ll be reimbursed from the very first dollar of your claim. No excess policies can result in higher reimbursement rates for pets that require frequent trips to the vet.
- A portion of your premiums supports the RSPCA, and licensing of the RSPCA brand for pet insurance provides a major source of funding to the RSPCA.
A few things to consider:
- RSPCA pet insurance only covers 75% of vet bills (under the economy accident and illness cover), while many other insurers provide an 80% reimbursement rate. Be sure to read through the terms carefully to understand your coverage options and limitations and consult the RSPCA’s product disclosure statement
- Premiums for RSPCA pet insurance are 4% higher than the average rate for dogs in our survey of major pet insurers. Above average premiums and lower reimbursement rates make RSPCA pet insurance one of the lowest value plans that we’ve reviewed.
- RSPCA has attracted a large number of negative reviews ProductReviews.com, though RSPCA is the most prominent and perhaps largest pet insurance plan, so we are unable to say how proportional these comments are to RSPCA’s large subscriber base. Negative RSPCA pet insurance reviews cite claims denied because they were improperly deemed to be pre-existing conditions, high prices, and poor or non-responsive customer service.