How does pet injury cover work?
A RACQ Pet Insurance will pay 80% of vet costs to treat injuries 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 injuries we cover, less any relevant excess, up to the annual limit of $12,000, subject to the following limit and sub-limit:
- If your vet costs are for ingestion of a foreign object, you are limited to claiming one occurrence per period of insurance.
- The sub-limit below applies to all vet costs during the period of insurance after diagnosis of the following condition:
- Cruciate ligament: $2,600
We define injury as damage caused to your pet solely and directly from an accident.
What time period does my pet injury insurance cover?
Your cover is for the period of insurance shown on your Certificate of Insurance.
You can also claim vet costs for an injury 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 injury insurance cover?
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.
Read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for more information.