We pay 80% of vet costs less any relevant excess, if your cat suffers an illness or injury that we cover, up to the $12,000 annual limit. For us to cover your cat, it must suffer the illness for injury after any waiting period that applies.

For example, if your approved vet costs come to $1,000, you can claim 80% on these costs. This equals $800 less any relevant excess. If, for example, your excess is $100 we will pay you $700 and you will still have $11,300 of your annual limit available for any future claims in the period of insurance.

What is covered

• Vet costs to treat your cat if it suffers an illness or injury during the period of insurance after any waiting period that applies.
• Vet costs to treat your cat for an illness or injury that was covered under an earlier policy with us and continues to require treatment during the next period of insurance, as long as we continue to offer this pet insurance product, and you renew your policy each year.

What is not covered

• Herpesvirus, calicivirus, panleukopenia, Chlamydophila, feline immunodeficiency virus (FIV) and feline leukaemia virus (FeLV) for your cat, (but we will cover your cat for those illnesses if it was regularly vaccinated against them).
• An illness that your cat gets during a waiting period.
• A treatment your cat receives during a waiting period.
• The general exclusions shown on pages 19-24. of the PDS.

What is not covered

• If you are in hospital to have an elective surgery, or because of something that happened, or you knew about, before your policy started.
• If someone who lives with you is able to look after your cat while you are in hospital.

You don’t have to pay an excess when you make a claim under this benefit.

What is covered

• ‘Illness and injury to your pet’ – see page 15 of the PDS
• ‘Emergency boarding costs’ – see page 16 of the PDS
• ‘Euthanasia costs’ – see page 17 of the PDS

What is not covered

• If you or your cat live permanently outside Australia.
• If something happens to your cat while it isn’t in your direct care.
• For any costs to return your cat to Australia.
• If your cat is out of Australia for more than 60 consecutive days.
• For anything not covered under ‘Illness and injury to your pet’, ‘Emergency boarding costs’ and ‘Euthanasia costs’.

Limit:

Up to the limits shown under each part of your cover in Australian $ at the exchange rate that applied on the day you paid for the vet or other costs.

We’ll cover 80% of vet costs to euthanise your dog if a vet recommends that, on the basis of your cat’s illness or injury, it should be euthanised.

We pay this benefit as a part of your illness and injury cover up to the annual limit of $12,000.

What is not covered

• Your cat to be euthanised as a result of an illness or injury not covered by this policy – see pages 17-18 of the PDS.
• The costs for an autopsy on your cat.
• The costs to dispose of, bury or cremate your cat.

What is a pre-existing condition?

Any illness or injury or symptoms or signs of an illness or injury that your cat suffered or had in any form before your first RAC Pet insurance policy started or any symptoms or signs of the condition, that occur during any applicable waiting period – whether or not a vet has diagnosed or treated it before your first policy started.

Waiving a pre-existing condition for your cat

We don’t cover your cat for a pre-existing condition it had before your first policy started, or during any applicable waiting period for your cat. However, you may ask us to waive a pre-existing condition for your cat as long as your cat has been free of that condition for the last 18 months and the condition is not lifelong with no cure.

To waive a pre-existing condition:

• your vet needs to certify and provide (at your expense) records confirming that your cat has been free of clinical signs, symptoms or recurrence of the pre-existing condition for at least 18 months and to certify the condition is not lifelong with no cure, and
• you need to complete a ‘Pre-existing Condition Waiver Form’, you can get a copy of the form here Waiver forms.

We will waive the pre-existing condition if your vet certified your cat has been symptom free for 18 months and the condition is not lifelong with no cure. We will send you written confirmation agreeing to cover your cat for that condition under your policy and an updated Schedule.

Claims process

With our straightforward claims process, we make covering your vet bills easier.

Step 1: Check your Combined Product Disclosure Statement and Financial Services Guide to see what you're entitled to claim.
Step 2: Contact RACQ on 13 72 02 to lodge your claim over the phone

To make claiming easier, have the following information handy:

• Your policy number
• The date and details of the treatment you are claiming for
• Your original itemised invoices, receipts or documents we require.

Please note:
If this is your first claim with RACQ, we will contact your current and previous vet to obtain and review your pet’s full vet treatment history.

RAC is partnering with RACQ to provide you pet insurance. The insurance is underwritten by RACQ and all claims will be managed by RACQ. Please be advised that RACQ operating hours are Monday-Friday 8.30am-5pm (AEST).