Choose RACQ Pet Insurance for protection you can trust

We've been protecting Queenslanders for over 100 years. It's why more Queenslanders trust RACQ.

At RACQ we want to protect what matters most. We know your furry friends are more than a pet, they’re family. That’s why we offer pet insurance to keep your pet happy and healthy. 

With RACQ Pet Insurance you’ll enjoy:

  • up to 80% back on approved vet costs
  • multi-policy discounts
  • up to $1,000 emergency boarding
  • a $50 discount when you purchase online*
  • claim up to $12,000 per year for illness and injury costs.

I want to protect my dog

Protect your dog with RACQ dog insurance

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I want to protect my cat

Protect your cat with RACQ cat insurance

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RACQ Pet Insurance covers

  • Illness
  • Injury 
  • Accidents 
  • Emergency boarding 
  • Euthanasia costs 
  • Overseas vet fees (when in New Zealand or Norfolk Island)

Include our Tender Loving Care (TLC) package and receive up to $100 each year to put towards:

  • Teeth cleaning 
  • Micro-chipping 
  • Heartworm prevention 
  • Prescription food 
  • Vaccinations 
  • Health check-ups

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Why get Pet Insurance?

Just like us, most pets will visit the doctor a few times each year. Pet insurance helps with the unexpected costs you may struggle to pay upfront. While routine visits are more affordable, it’s large surgeries and ongoing treatment costs where pet insurance really shines.

Let’s see how pet insurance can play out:

1. Your dog has been vomiting repeatedly.

2. Your pet insurance policy covers costs for testing to work out the underlying cause (blood tests, x-rays, ultrasound).

3. After the x-ray, the Vet determines that your dog has swallowed your socks!

4. You will be covered for the anaesthetic and surgery costs to remove the socks from his stomach.

5. After surgery your dog needs follow-up appointments (stitch removal, medication). All these costs will be covered less any applicable fees.

It’s easy to see how vet bills and pet care can really blow out following an accident or illness. Pet insurance can save you lots on unexpected costs so consider investing in your pet’s health today.

Pre-existing conditions

We may be able to waive the exclusion for your pets pre-existing condition. Simply complete the pre-existing condition waiver form and we'll look at your pet's individual circumstances and see where we can help.

Cruciate ligament waiting period

We may be able to waive the waiting period for cruciate ligament surgery so your pet gets fixed faster. Complete the cruciate ligament waiting period waiver form now.

Save more with RACQ

Enjoy all the benefits of your RACQ membership when you choose RACQ Pet Insurance. Access thousands of member discounts across pet products, entertainment, RACQ services, dining rewards and more!

See all the ways you can save now

It pays to belong to Queensland’s largest club.

Pet Insurance FAQs

We offer comprehensive pet insurance that covers up to 80% of approved vet costs for any accidental injury or illness up to an annual limit of $12,000.

We can even consider a waiver on the exclusion for your pet’s pre-existing condition if your pet has been free from their injury or illness for 18 months.

We know it’s important to give your pet the best protection, that’s why you have the option to include our Tender Loving Care (TLC) package. You’ll get up to $100 annually to spend on preventative treatments like:

  • Teeth cleaning
  • Prescription food
  • Annual vaccinations
  • Heartworm prevention
  • Microchipping, de-sexing, and more.
Claiming with RACQ is easy. Complete the claim form, attach proof of payment and then lodge your claim either on the phone or at a branch. If we accept your claim, we will pay it back into your bank account less any applicable excess.

You sure can! If you have two or more pets you may be eligible for a multi-pet discount.

A pre-existing condition simply means your pet had an injury or illness (signs, symptoms, treatment or a vet diagnosis) before your first policy with us started. Refer to our PDS for more information.

Yes. You can claim your approved vet costs back as long as your vet is currently working and licensed in Australia and willing to provide you with your pet’s treatment history at claims time.

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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.

*Conditions apply—excludes pay later option.