Pet insurance

Choose RACQ Pet Insurance for care you can count on

Your pet is always there when you need them. From early morning cuddles with your cat to late afternoon walks with your dog, pets keep us happy and healthy. With RACQ Pet Insurance, you can cover unexpected vet bills so that your furry friend can have a longer, healthier life. Because they’re more than a pet, they’re family.

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What does my RACQ Pet Insurance cover?

To learn more about what RACQ Pet Insurance covers, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

We pay 80% of vet costs less any relevant excess, up to $12,000, if your pet suffers an illness or injury that we cover
Up to $1,000 for emergency boarding
Pet abroad
We extend the cover you get in Australia to cover your pet when it’s with you in New Zealand or Norfolk Island
Euthanasia costs
We pay up to 80% of your vet costs, less any relevant excess, to euthanise your pet if a vet decides it’s essential

RACQ Pet Insurance optional benefits

Check out our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations to see if an RACQ Pet Insurance policy is right for you.

Tender Loving Care (TLC) Package
Get up to $100 each year to take care of preventative healthcare treatments like:
- Teeth cleaning
- Micro-chipping
- Food prescribed by your vet
- Heartworm prevention medication
- Vaccinations
- Health check-ups by your vet

Why choose RACQ for your pet insurance?

Our Queensland-based team are here to help
Get in touch with us to discuss your claim.
We offer a 21-day cooling off period
Circumstances change, we get it.
Ask us about monthly instalments
Get premiums automatically deducted from your account.
Upgrade your pet insurance
Show your pet extra care with our TLC optional benefit.
Online claims
Claim up to 80% of eligible vet costs from licenced vets who can provide treatment history (up to $12,000 per year). Find out how to make a claim.

Why get pet insurance?

You’re covered for the unexpected

For example, imagine your pet dog has been vomiting for 24 hours. The vet conducts an abdominal ultrasound revealing a small foreign body in the intestines.

An exploratory laparotomy is then undertaken to remove the foreign body requiring an overnight hospital stay. This process can cost upwards of $4,000 but thanks to RACQ Pet Insurance, your expenses are reduced†.

Save with RACQ Pet Insurance

Buy online to save
Enjoy a $50 discount when you buy RACQ Pet Insurance online.*
Multi policy discount
Save up to 5% off each eligible policy when you’ve got three or more qualifying RACQ Insurance policies.
Roadside assistance loyalty discount
If you already have RACQ Roadside Assistance, you can save up to 17.5% on your pet insurance, depending on your membership level.

Enjoy the perks of being an RACQ member^~~

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Pet insurance FAQs

Help centre

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

^*Maximum of 4 pets/$200 discount per policy. Excludes pay later option.

^†Example is a real-life RACQ Pet Insurance claim.

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 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

^~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.