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

More info.


I want to protect my cat

Protect your cat with RACQ cat insurance

More info.

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

Get a quote Read the PDS

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.

RACQ Paws News

Professional pet advice, training tips and exclusive offers straight to your inbox.

Subscribe to RACQ Paws News

Dog and cat on couch

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 is any illness or injury or any symptoms or signs of an illness or injury that your pet suffered or had in any form before your first policy started or during any applicable waiting period whether or not a vet has diagnosed or treated it. 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.

Also check out:

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.

RACQ Paws News Email Autumn Competition

Terms and Conditions

1. This competition is a promotion run by RACQ Operations Pty Limited ABN 80 009 663 414 (“Promoter”).

2. Entries and information on prizes and how to enter form part of these terms and conditions (“Terms”). Entries not completed in accordance with these Terms are ineligible. Participation in this competition constitutes acceptance of these Terms.

3. The competition is open to Queensland residents aged 18 years and over who are subscribed to RACQ Paws News email and take out an RACQ Pet Insurance policy between 13 March 2019 – 10 June 2019. Current RACQ Pet Insurance policy holders who are subscribed to the RACQ Paws News will automatically be entered into the competition.

4. Directors, officers, management, employees and other staff (and the immediate families of directors, officers, management, employees and other staff) of the Promoter, related entities and agents of the Promoter are ineligible to enter.

5. The Promoter reserves the right in its sole discretion to disqualify any individual who the Promoter has reason to believe breached any of these conditions, or engaged in any unlawful or otherwise improper misconduct calculated to jeopardise the fair and proper conduct of the competition. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.

6. The competition commences at 10am Wednesday 13 March 2019 and closes at 5pm Tuesday 10 June 2019 (Promotion Period).

7. Eligible entrants may enter this competition by being subscribed to RACQ Paws News and taking out an RACQ Pet Insurance policy within the competition period. Current Pet Insurance policy holders subscribed to the RACQ Paws News will automatically be entered.

8. Only one entry per entrant is permitted and only one prize will be awarded to the winner.

9. All entries become the property of the Promoter. No responsibility is accepted for late, lost or misdirected entries.

10. The competition will be drawn at Friday 14 June 10am.

11. Times quoted are local times.

12. There will be two winners in this competition who will be chosen at random by a representative of the Promoter from all eligible entries received. The Promoter’s decision is final and no correspondence will be entered into.

13. The winner will receive a $250 Vet Products Direct eVoucher (inclusive of GST). The total prize pool value is $500 (inclusive of GST). Prize components, including without limitation model and colour, may alter at the discretion of the Promoter. Any change in the value of the prize between the publishing date and the date that the prize is claimed is not the responsibility of the Promoter.

14. The winner will be notified by telephone using the telephone number provided by winner when they purchased RACQ Pet Insurance. The prize will be posted to the winner to the address provided by the winner when they purchased the pet insurance policy.

15. If the winner is unable to be contacted within two weeks of the draw, a redraw will occur. In the event that a redraw is required, it will be held at 10am 28 June 2019 by a representative of the RACQ Marketing team at head office and the redraw winner will be notified by telephone using the telephone number provided by winner when they purchased a pet insurance policy.

16. The prize is not transferable, exchangeable or redeemable for cash.

17. If the winner of the prize is under the age of 18 years (where entry by persons under 18 is not permitted), the Promoter may, at its discretion, award the prize to the winner’s parent or guardian.

18. The information that entrants provide will be used by the Promoter for the purpose of conducting the competition, and to periodically keep entrants informed about the goods and services provided by the Promoter, related entities and its service providers. By entering this competition entrants consent to the use of their contact details for the purposes described in this clause. The Promoter may use or disclose entrants’ personal information to related entities or other appropriate third parties in accordance with its privacy policy available on its Internet site at

19. The prize winner acknowledges that the prize, or any component of the prize, may be subject to the standard terms and conditions of the individual prize supplier(s) and may be subject to additional terms and conditions imposed by third parties . The winner must become acquainted with any such additional terms and conditions prior to accepting the prize. The Promoter does not accept any responsibility and is not liable for any additional conditions imposed on the taking of the prize by third parties, or for the breach of those conditions by any person. The acceptance of the prize creates a relationship between the prize winner and the individual prize supplier(s) and the Promoter is not responsible for, and accepts no liability in relation to, any loss, damage or claim that may be incurred by the prize winner as a result of the prize winner’s decision to accept the prize.

20. In participating in the prize activity, the winner agrees to participate and cooperate as required in all editorial activities relating to this promotion, including but not limited to being interviewed, video-recorded and photographed. The winner agrees to grant the Promoter and its related entities a perpetual, non-exclusive licence to use such audio, footage and/or photographs in all media worldwide and the winner will not be entitled to any fee for such use. The winner agrees that they will not sell or otherwise provide their story, video and/or photographs to any media or other organisation.

21. Entrants consent to the Promoter and its related entities using their name, likeness, image and/or voice in the event they are a prize winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting the promotion (including any outcome), and promoting products manufactured, distributed and/or supplied by the Promoter or its related entities.

22. The Promoter will use its best endeavours to provide the prize as listed. If the prize (or any element of the prize) is unavailable, the Promoter, in its absolute discretion, reserves the right to substitute the prize (or that part of the prize) with a prize of equivalent value and/or specification, subject to any written directions from a regulatory authority.

23. If for any reason this competition is not capable of being conducted by the Promoter as intended, whether because of computer virus, mobile phone failure, bugs, tampering, unauthorised intervention, fraud, technical failures, or any other cause beyond the reasonable control of the Promoter which in the Promoter’s opinion affects the administration of the competition, security, fairness or integrity, the Promoter may in its sole discretion, cancel, modify or suspend the competition, subject to the approval of the Office of Liquor and Gaming Regulation in Queensland as may be required.

24. Without limiting any other paragraph, the Promoter may at its discretion amend any aspect of this competition or these terms, subject to applicable laws and subject to the approval of the relevant regulatory authorities.

25. The Promoter, its related entities, and the directors, officers, management, employees and other staff of the Promoter and its related entities (Promoter’s Agents) will not be liable for any loss or damage or for any personal injury sustained as a result of taking the prize(s) or entering into this competition. The Promoter and the Promoter’s Agents make no representations or warranties as to the quality, suitability or merchantability or any goods or services offered as prizes. To the extent permitted by law, the Promoter and the Promoter’s Agents are not liable for any loss suffered to person or property by reason of any act or omission, deliberate or negligent, by the Promoter or the Promoter’s Agents, in connection with the arrangement for the supply, or the supply, of goods and services by any person to the prize winner and, where applicable, to any persons accompanying the prize winners.

26. If, notwithstanding the above, the Promoter or the Promoter’s Agents are found to be liable to any person in connection with this competition the Promoter’s and the Promoter’s Agents’ maximum aggregate liability is limited to $1.00.

27. To the maximum extent permitted by law, the Promoter and the Promoter’s Agents will not be liable to any person for indirect or consequential loss or damage suffered by any person in connection with the entering the competition, or as a result of taking the prize. This applies to all claims, whether such claims are made in tort (including without limitation negligence), in equity, under statute or any other basis.

28. The laws of Queensland govern the Promoter’s competitions.