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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), any applicable Supplementary PDS and Target Market Determination.

Cover for 80% of vet costs less any excess

Cover for 80% of vet costs less any excess

Up to $1,000 emergency boarding

Up to $1,000 emergency boarding

Claim up to $12,000 per year for illness and injury costs

Claim up to $12,000 per year for illness and injury costs

10% discount on boarding at Hanrob Pet Hotel Brisbane

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 80% back on vet costs less any excess
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)
  • Multi pet discount - up to 5% off per pet when 2 or more pets are insured
  • RACQ Roadside Assistance subscribers get up to a 17.5% discount on your Pet Insurance (savings based on membership level)
Read more about optional Pet Cover with Contents Insurance 
 Read more about Pet Insurance
Get a Contents Insurance quote

Read our PDS, any applicable SPDS and Target Market Determination		 Get a Pet Insurance quote

Read our PDS, any applicable SPDS and Target Market Determination
 

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.

Vet treatment claim costs

You must pay the Vet treatment costs first, and then claim reimbursement from us. We do not make payments direct to your Vet.

Pet Centre

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AWLQ & RACQ are proudly working together to help Queensland pets

AWLQ
 

"Not a drama with RACQ Pet Insurance."

“Our precious poodle, Marley, cut her back leg right to the bone. Not a drama with RACQ Pet Insurance. I submitted the claim by email and it was paid very quickly. – Genevieve”

 

"We are really glad we chose RACQ."

“We put a claim form in, not really sure whether it would be covered or not. Within two weeks the claim was accepted and we received our full policy benefits! We are really glad we chose RACQ. – Emma”

Pet Insurance FAQs

We offer comprehensive pet insurance that covers 80% of 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. You can make a Pet Insurance claim online or 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 making your claim:

  • 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 RACQ Pet Insurance policy started or during any applicable waiting period.

We will also regard a condition as being pre-existing if the condition or any symptoms or signs of the condition occur during any applicable waiting period - whether or not a vet has diagnosed or treated it before your first policy started. Refer to our PDS, any applicable SPDS and Target Market Determination 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 (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.

† Example is a real life RACQ Pet Insurance claim.

* Excludes pay later option.

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