
Online discount
By purchasing online you can save up to $50 in your first year*.Generous cover limits
Get up to 80% back on eligible vet costs with an annual limit of up to $12,000^.Upgrade your cover
Receive a benefit of up to $100 per year for certain preventative health treatments with our Tender Loving Care package.

Award winning pet insurance
Our members are at the heart of everything we do. Join the pet insurer that has been awarded the "Exceptional Value Accident & Illness Pet Insurance" and "Exceptional Value Comprehensive Pet Insurance" (Pet insurance + TLC) awards as chosen by the experts at Mozo.
Affordable cover for your dog
Your dog can be covered for these commonly treated ailments/conditions˜
Accidents and injuries
- Fracture repair
- Eye injuries
- Toxicities/Poisonings
Chronic illness
- Kidney disease
- Liver disease
- Diabetes
Procedures
- Lump removal
- Foreign body surgery
- Chemotherapy
Common illnesses
- Ear infections
- Bladder infections
- Skin allergies
Serious illnesses
- Cancer
- Epilepsy
- Heart disease
Testing and diagnostics
- X-rays
- Ultrasound
- Blood tests
About the cover
Illness and injury cover
We’ll cover up to 80% of eligible vet costs with an annual limit of up to $12,000 per period of insurance. ^Waiting periods apply.
Emergency boarding costs
We’ll cover up to $1,000 annually to board your dog at a licensed facility if you are unexpectedly admitted to a hospital for 5 or more consecutive days.
Guide dog and Assistance dog cover
We understand the vital role guide and assistance dogs play in an owner’s life and believe they deserve to be covered.
Should the worst happen
We'll cover up to 80% of approved vet costs to euthanise your dog if a vet decides it's essential.
Pre-existing conditions
We may be able to waive the exclusion for your dog's pre-existing condition. Simply complete the pre-existing condition waiver form and we’ll look at your dog’s individual circumstances and see where we can help.
Cruciate ligament waiting period
We may be able to waive the waiting period for a cruciate ligament injury. Complete the cruciate ligament waiting period waiver form now.
Pet Insurance FAQs
RAC members save more
As a member you get access to great discounts & offers




What's included in these covers?
Before you decide, please read our policy documents.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services
*Discount applies to the first year of insurance only. ^Illness and injury cover – covers up to 80% of eligible vet bills up to $12,000 annually. Conditions, limits & exclusions apply. RAC Insurance Pty Limited is authorised by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233 082) as an agent to issue RAC Pet Insurance. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and SPDS (where applicable) before making any decision. ˜Pre-existing conditions – specific and general exclusions, as well as waiting periods, may apply to the ailments and conditions stated. Any advice provided is general only and may not be right for you. Such general advice is provided by RAC under its AFSL.
Full details about the Mozo Experts Choice Awards for pet insurance.