Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- RAC
- 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
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Covered
- Up to $2000
- Behavioural conditions
-
- Not covered
- Some cover available under routine care option
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- Up to $2600
- Ear conditions
- Covered
- Eye conditions
- Covered
- 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
- Heart conditions
- Covered
- Orthopaedic conditions
- Covered
- Patella luxation
- Not covered
- Joint conditions
-
- Covered
- No cover for elbow dysplasia
- Intervertebral disc disease
- Not covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- 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
- Some cover for parasite prevention available under routine care option
- Skin conditions
- Covered
- Snakebite
- Covered
- 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
Additional benefits
- Routine care
-
- Optional
- Up to $100 for desexing, microchipping, 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
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
- Not covered
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Customer portal
- Phone
- Quickeasyclaims
- Directpayments
