How does pet illness cover work?
A RACQ Pet Insurance will pay 80% of vet costs to treat illnesses we cover, less any relevant excess, up to the annual limit of $12,000, subject to the following sub-limits...
RACQ Pet Insurance will pay 80% of vet costs to treat illnesses we cover, less any relevant excess, up to the annual limit of $12,000, subject to the following sub-limits:
- The sub-limits below apply to all vet costs during the period of insurance after diagnosis of the following conditions:
- Cruciate ligament: up to an annual limit of $2,600 for all claims combined
- Brachycephalic Airway Syndrome (BAS): up to an annual limit of $2,000 for all claims combined
These sub-limits are paid as part of your 'Illness and injury to your pet' cover annual limit of $12,000.
We define illness as a medical condition which reduces your pet's standard of living or normal healthy state.
What time period does my pet illness insurance cover?
Your cover is for the period of insurance shown on your Certificate of Insurance and is only available after any applicable waiting period has passed.
You can also claim vet costs for an illness that we covered under one period of insurance and which continues to require treatment in the following period of insurance. Cover for this continuing treatment will be provided as long as we continue to offer this pet insurance product and you renew your policy each year with no gap or break in cover.
What doesn't my pet illness insurance cover?
Your pet illness insurance doesn't cover:
- any illness caused by your dog not being adequately vaccinated against:
- parvovirus,
- adenovirus (infectious canine hepatitis)
- distemper
- bordetella bronchiseptica (kennel cough)
- parainfluenza virus (kennel cough)
- any illness caused by your cat not being adequately vaccinated against:
- feline herpesvirus (viral rhinotracheitis)
- calicivirus
- panleukopenia (feline enteritis)
- chlamydophila
- feline immunodeficiency virus (FIV)
- feline leukaemia virus (FeLV)
- any illness that your pet suffers during a waiting period
- any pre-existing conditions
Read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for more information.
There are some things your policy doesn’t cover, including:
- Accessories
- After hours treatment and house calls
- Alternative therapy
- Boarding and transporting
- Breeding
- Commercial or occupational purposes
- Damage caused by your pet
- Dangerous dogs
- Deliberate acts
-
Dental care, except where treatment is required because of an accidental injury to your pet's teeth such as a fractured tooth due to trauma.
- Elective treatments