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Choose RACQ Pet Insurance for care you can count on

We’re there for Queenslanders and their pets when they need us most – because they’re more than a pet, they’re family. RACQ Pet Insurance is there for care you can count on to keep your pet happy and healthy.

Whether you’re looking for pet cover for your dog or cat, RACQ Pet Insurance ensures the best care for your furry friend. Buy online now and save $50!*

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Save $50 when you buy this policy online

What's covered?

For full details of what’s included in RACQ Pet Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS.

  • Up to 80% back on approved vet costs
  • Up to $1,000 emergency boarding
  • Claim up to $12,000 per year for illness and injury costs
  • 10% off at Vet Products Direct
  • 10% discount on boarding at Hanrob Pet Hotel Brisbane

Why get Pet Insurance?

  • You're covered for the unexpected

    RACQ Pet Insurance helps take care of the unexpected costs.
  • Caring for your pet is made more affordable

For example, 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 can cost upwards of $4,000 but thanks to RACQ Pet Insurance, your expenses are reduced^.

Compare your coverage options

When insuring your dog or cat, you can choose basic Pet Cover as part of a RACQ Contents Insurance policy or more comprehensive cover with RACQ Pet Insurance. Below is a comparison between our two pet products to help you choose the best option, for you and your pet.

  Pet Cover with your RACQ Contents Insurance RACQ Pet Insurance
Claim Amount Claim up to $750 for each separate incident Claim up to $12,000 a year with up to 80% back on approved vet costs
Cover for injury or illness
Boarding costs
  • Up to $1,000 (no excess) for unexpected hospital stays
Optional Extra: Tender Loving Care Package
  • Up to $100 a year for certain treatments e.g. vaccinations. Read more
Excess $50 excess for each claim Choose your own excess - $0, $100 or $200
No. of Pets Cover for up to 2 pets Cover for up to 4 pets
Discounts available
  • $50 discount per pet* when you purchase online (maximum of 4 pets per policy)

Read more about optional Pet Cover with Contents Insurance 
 Read more about Pet Insurance

Get a Contents Insurance quote

Read our PDS and SPDS

Get a Pet Insurance quote

Read our PDS and SPDS

Optional Extra: Tender Loving Care Package

RACQ’s Tender Loving Care (TLC) package is an optional extra only available with RACQ Pet Insurance, providing you with up to $100 each year. This optional extra is great for taking care of the yearly costs pet owners incur, including vaccinations and teeth cleaning and also provides money back for prescription foods.

You can use your TLC optional extras for:

  • teeth cleaning
  • micro-chipping
  • prescription food
  • heartworm prevention
  • vaccinations
  • health check-ups.

Add the TLC package as an optional extra when you take an RACQ Pet Insurance policy.

Get a Pet Insurance quote

Important information

  • 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 a cruciate ligament injury. Complete the cruciate ligament waiting period waiver form now.

Pet Centre

Your guide to selecting a pet, caring for your pet and much more.

AWLQ & RACQ are proudly working together to help Queensland pets

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. Call us on 13 7202 and we will lodge your claim over the phone. To help us process your claim as quick as we can, please have the following handy when you call:

  • RACQ policy number
  • Date and details of treatment being claimed
  • Veterinarians clinical notes
  • Paid invoices

If it is your first claim, make sure you also include a copy of your pet’s past vet history. 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 and any relevant SPDS 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.

Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. 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 relevant SPDS (where applicable) before making a purchase decision.

^Example is a real life RACQ Pet Insurance claim.

*Conditions apply—excludes pay later option.