We understand your dog or cat are like family and deserve to be happy and healthy.

Our range of benefits and flexible policy options aim to make your life easier when your pet gets sick or injured. You can rest easy in knowing we’ve got your furry family member covered.

RACQ Pet Insurance benefits

Besides having your choice of excess ($0, $100 or $200), some of the benefits (per annual policy) include:

  • claiming up to $12,000 per pet for injury and illness costs—with 80% of eligible vet care bills covered
  • up to $1,000 paid per pet for emergency boarding fees—excess free
  • up to $100 towards certain preventative treatments, like pet vaccinations—excess free through our optional benefit Tender Loving Care (TLC).

Get a Pet Insurance quote

Pet claim example

Check how you could get back some of the cost of your annual pet premium in only one visit to your vet.

Pet claim details Amount  
Injury and illness costs at vet $1,000      
We cover 80% (up to $12,000 annually) $800
Your chosen excess  $0
 We'll pay you $800

Plus, as an RACQ Pet Insurance policy holder you’ll also become a member of Queensland’s largest club.

Insurance discounts

Like to reduce the price of your pet insurance?

Check which insurance discounts you're eligible for.

Save more as an RACQ member

When you protect your pet with RACQ, you become a member of Queensland's largest club. Enjoy exclusive member discounts and benefits at no extra cost, including:

Pre-existing conditions

You can ask us to waive your pet’s pre-existing conditions, or waive our related waiting periods by completing a pre-existing condition waiver form (PDF, 405KB).

What you get with RACQ's Pet Insurance

Your pet’s care is covered with us. When you take out RACQ Pet Insurance you get:

Illness and injury cover We will pay 80% of eligible vet costs if your pet suffers an injury or illness. This benefit covers up to $12,000 annually. Waiting periods apply.
Emergency boarding costs We pay up to $1000 annually to board your pet at a licensed facility if you are in hospital for 5 or more consecutive days. This benefit has no excess.
Euthanasia costs We will pay 80% of the costs towards euthanising your pet if your vet decides it is essential and the humane thing to do.
Pet abroad We’ll cover your pet for the same benefits as above when they are with you in New Zealand or Norfolk Island.


The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Choose an optional benefit

For an additional cost you can increase your pet’s cover, giving them a little extra tender loving care.

Tender Loving Care (TLC) We pay up to $100 annually towards the cost of certain preventative treatments. For example, we’ll reimburse the cost to vaccinate your pet or for food prescribed by your vet. No excess applies with TLC.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Save on your pet insurance

Put the following discounts to use and reduce the cost of your insurance.

Roadside Assistance loyalty discount Already a member with Roadside Assistance? Get up to 17.5% discount on your premium depending on your level of membership.
Online discount Save $50 per pet when you buy RACQ Pet Insurance online (conditions apply—maximum of 4 pets per policy, and excludes pay later options).
Multi policy discount If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.
Multi pet discount If you have two or more pets insured with us you’ll get up to 5% discount for each pet.
Get a quote Read the PDS

Compare our pet products

Compare RACQ Pet Insurance to our optional Pet Cover.

Also check out:

*Estimated costs only, illness and injury cover - covers 80% of vet bills up to $12,000 annually.

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited – ABN 50 009 704 152. Contact our stores, agencies or phone 13 1905 to obtain a copy of the relevant Product Disclosure StatementPlease read our PDS carefully before you make any decisions about our products. Conditions, limits and exclusions apply.