We get it, your cats and dogs are family too, that's why RAC Pet Insurance provides cover you can rely on. Plus, when you're not using your insurance, you can use your RAC member benefits for savings every day. 

Our pet insurance will give you

Illness and injury cover

We’ll cover up to 80% of eligible vet costs with an annual limit of $12,000 per period of insurance.  Waiting periods apply.

Emergency boarding costs

We’ll cover up to $1000 annually to board your pet at a licenced facility if you are admitted to a hospital for 5 or more consecutive days.

There’s no excess to pay when you make this claim.

Existing members can save up to 10%

Our pet insurance includes savings for existing members. Bronze members save 5%, Silver members save 7.5%, Gold and Gold life members save 10%.


Euthanasia costs

We‘ll cover up to 80% of approved vet costs to euthanise your pet if a vet decides it’s essential.

Pet abroad

We extend the cover we give you in Australia to cover your pet when it’s with you in New Zealand or Norfolk Island.

Tender Loving Care (TLC) Benefit (Optional Extra)

We pay up to $100 per year for your pet to receive certain preventative healthcare treatments.  For example, we’ll reimburse the cost to vaccinate your pet or for food prescribed by your vet.

No excess applies with TLC.


Pet Insurance Waiver Form

You can ask us to waive your pet’s pre-existing conditions, or waive our related waiting periods by completing one of the two forms.

For Cruciate Ligament Conditions please fill out the Cruciate Ligament Waiting Period Form (PDF, 190kb)

For all other Pre-existing Conditions, please fill out the Pre-existing Condition Exclusion Waiver Form (PDF, 180kb).

Please note: A full treatment history must be provided with any waiver requests.

RAC members save more

As a member you get access to great discounts & offers

Discount applies to the first year of insurance only.
Conditions, limits and exclusions apply. RAC Pet Insurance is issued by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233 082) (RACQ). RAC Insurance Pty Limited (ABN 59 094 685 882, AFSL 231 222) is authorised as RACQ’s agent to issue RAC Pet Insurance on RACQ’s behalf. Please read the PDS before making any decision about RAC Pet Insurance.

Any advice provided is general only and may not be right for you. Such general advice is provided by RAC under its AFSL.

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