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RSPCA PetFlex review

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
RSPCA
Policy
PetFlex
Underwriter
Pacific International Pty Ltd
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
6 weeks
Maximum age for new cover
8 years
Maximum benefit per year
Choose from between $5000–$35000
Benefit paid per claim
Choose from 60%, 70%, 80% or 90% vet bill covered

Excesses

Excess
Choose excess from $0, $100, $200, $300, $400 or $500

Covered events

Injury
  • Comprehensive cover
  • 1 day waiting period
Illness
  • Comprehensive cover
  • 14 day waiting period
Vet consults
Optional
Emergency treatment
Optional
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
  • Optional
  • Insurer requires you to apply for cover
  • No waiting period
Behavioural conditions
  • Optional
  • Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
  • 6 month waiting period
Cancer
Covered
Cruciate ligament conditions
  • Covered
  • 6 month waiting period
Ear conditions
Covered
Eye conditions
  • Covered
  • Cover includes cherry eye, entropion and ectropion
Dental and oral health conditions
  • Optional
  • Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
  • 14 day waiting period (pets under 1 year)
  • 6 month waiting period (pets over 1 year)
  • Treatment includes dental cleaning/scaling
  • Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
Ingestion of a foreign object
Covered
Heart conditions
Covered
Orthopaedic conditions
Covered
Patella luxation
  • Covered
  • 6 month waiting period
Joint conditions
  • Covered
  • Cover includes hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
Intervertebral disc disease
  • Covered
  • 6 month waiting period
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
Covered
Skin conditions
Covered
Snakebite
Covered
Vaccinatable Conditions
  • Covered
  • Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • Optional
  • One claim per year
  • Covers annual health check, vaccination or microchipping
Alternative therapies
Optional
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
  • Phone call with a vet nurse
  • Available weekdays 6:30am&$150;midnight
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • Vet must email invoice and clinical notes separately
Quickeasyclaims
Directpayments

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.