Choose RACQ for pet insurance you can trust

At RACQ, we know your furry friends are more than a pet. They’re a member of your family. They put their trust in you. So who do you trust to be there, when they need you most? 

RACQ has been helping Queenslanders of all kinds for over a century, so we understand the unexpected emergencies that might pop up. That’s why we help make those surprise vet visits more manageable. RACQ Pet Insurance gives you 80% back on eligible vet costs, up to $12,000 per year. Plus, as long as you renew your policy each year, we’ll continue to provide your pet with illness and injury cover for its lifetime. 

You want to give your pet the best protection so you never have to decide if you can afford that vet trip or surgery. With RACQ Pet Insurance, you can keep them healthy and make the decision that could save their life. 

So choose RACQ for pet insurance you can trust. Plus save $50 per pet when you buy online*. 

80% cost covered and $1,000 emergency boarding
$12,000/yr cover and trusted brand

I want to protect my dog

Protect your dog with RACQ dog insurance

More info.


I want to protect my cat

Protect your cat with RACQ cat insurance

More info.

Are you eligible for free pet insurance? Find out about our partnership with Animal Welfare League (QLD). Conditions Apply.

Not sure if you need comprehensive Pet Health Insurance or our Pet Cover optional extra under your Home & Contents/Contents only policy? Compare coverage options.

Get a quote Read the PDS How to claim

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.

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. 

De-sexing, micro-chipping, teeth cleaning, dewclaw removal, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check ups, vaccinations.

Pre-existing conditions

You can ask us to waive your pet’s pre-existing conditions by completing a pre-existing condition waiver form (PDF, 656KB).

Cruciate ligament waiting period

You can ask us to waive the cruciate ligament waiting period on the policy by completing a cruciate ligament waiting period waiver form (PDF, 680KB).

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.

Save on pet products with RACQ

Plus, access great member benefits such as: 

*Maximum of 4 pets per policy, and excludes pay later options.

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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. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at is provided by RACQ.