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RACQ Pet Insurance

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
RACQ
Policy
Pet Insurance
Underwriter
RACQ Insurance Limited
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$12,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0, $100 or $200

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 21 day waiting period
Vet consults
1
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is certified by your vet as not lifelong with no cure and pet is symptom-free for 18 months

Additional benefits

Routine care
  • Optional
  • Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Necessary euthanasia
1
Telehealth vet service
Legal liability

Conditions

Allergic reaction
1
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • Up to $2000
  • Standard waiting periods
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • Up to $2600
  • Standard waiting periods
Ear conditions
  • Covered
  • Standard waiting periods
Eye conditions
  • Covered
  • Standard waiting periods
Dental and oral health conditions
  • Covered for injury
  • Cover includes fractured tooth due to trauma
  • Insurer requires annual dental examination/treatment
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
Joint conditions
  • Covered
  • No cover for elbow dysplasia
  • Standard waiting periods
Intervertebral disc disease
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Cover limited to tick paralysis
  • No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered
  • Standard waiting periods
Vaccinatable Conditions
  • Covered
  • Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
  • Vaccine benefit available under routine care option

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