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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

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 

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

AWLQ & RACQ are proudly working together to help Queensland pets

Pet Insurance FAQs

With RACQ Pet Insurance, your pet is covered for:

  • 80% of vet costs, less any relevant excess, up to the $12,000 annual limit, to treat your pet if it suffers an illness or injury during the period of insurance after any waiting period that applies. If your pet continues to require treatment this will be covered during the next period of insurance, as we offer lifetime cover. This applies as long as we continue to offer this pet insurance product, and you renew and pay your premium for your policy each year.

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.

Please read the PDS, and any applicable SPDS  to ensure you are aware of what you are covered for and any changes.

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. Pet Insurance discount is per pet, maximum four pets.