RSPCA Ultimate Plus

Limited injury and comprehensive illness cover for cats and dogs

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Description

Insurer
RSPCA
Policy
Ultimate Plus
Underwriter
PetSure (Australia) Pty Ltd
Policy type
  • Limited injury cover
  • Comprehensive 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
$20,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
$0

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • allergic reaction to insect/arachnid bites
  • bone fracture
  • snake bite toxicity
  • traumatic ligament/tendon injury
  • bite wound/fight wound abscesses
  • lacerations/abrasion of tissue, skin or mucous membrane due to external violence
  • near drowning incident
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Up to $300
Emergency treatment
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
  • Standard waiting periods
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • 6 month waiting period
Ear conditions
  • Covered
  • Standard waiting periods
Eye conditions
  • Covered
  • Standard waiting periods
Dental and oral health conditions
  • Not covered
  • Does cover oral tumours
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
  • Standard waiting periods
Patella luxation
  • Covered
  • Standard waiting periods
Joint conditions
  • Covered
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Covers conditions caused by allergic reaction to flea/tick/worm control
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered as a specified injury
  • Standard waiting periods
Vaccinatable Conditions
  • Covered
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • Optional
  • Up to $50 for one of: desexing, microchipping, heartworm control, teeth cleaning, dew claw removal, council registration fees, prescription diets, alternative therapies, cremation/burial, behavioural therapy, flea/tick/work control, vaccinations or health checks, dental illness treatment or obedience training
  • Up to $15 for heartworm test or blood screen
  • Up to $15 for FeLV/FIV test or urinalysis
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • E-claim (vet submits on your behalf)
  • GapOnly (vet submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available weekdays 8am֪10pm, Saturday 8am֪5pm (excluding NSW public holidays)
Directpayments
GapOnly claims only

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