Pet Insurance Combined Product Disclosure Statement and Financial Services Guide

It is important that you read and understand the product features and details outlined in the Pet Insurance Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

RAC Pet Insurance Combined PDS & FSG (PDF 283 KB)

RAC Pet Insurance SPDS (PDF 908 KB)

RAC Pet Insurance is underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFS Licence No.233082) (‘RACQ Insurance’). RAC Insurance Pty Limited (ABN 59 094 685 882, AFSL 231 222) has been authorised under binder by RACQ Insurance to arrange and issue RAC Pet Insurance as agent of RACQ Insurance. For more information on the provision of this financial service please read the Financial Services Guide above.

Pet Insurance Waiver Forms

You can ask us to waive your pet’s applicable waiting periods by completing a Pet Insurance Waiver Form.

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.

Your duty of disclosure

You have a duty of disclosure under the Insurance Contracts Act 1984.

What you must tell us before you enter into or vary this insurance contract

Before you enter into or vary an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984. If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.

You have this duty until we agree to insure you.

Who needs to tell us and why

It is important that you understand you are answering our questions in this way for yourself and anyone else whom you want to be covered by the policy. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.
If you do not tell us something If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

If you do not understand

If you do not understand your duty of disclosure, please contact us on 13 17 03.


We collect, store and use your personal information in accordance with the Privacy Act and as set out below. By taking out this Policy you agree to this.

We use and require your personal information to consider your insurance application and any subsequent application for insurance, issue and administer your Policy and investigate and assess any insurance claim. For the purposes of doing so, your personal information may be passed to, or received from, Our assessors, investigators, repairers, suppliers, contractors, other insurance companies, insurance reference bureaus, law enforcement agencies, Our related companies, legal and professional advisers, IT providers, and their agents, some of whom may be overseas.

We may also use your personal information to tell You about other RAC Group products and services. Your personal information may be passed to other entities for promotional purposes. These entities may be associated with Us, operate under RAC’s Brand, or be agents, contractors or allied organisations. You may tell Us not to use your personal information for these promotional purposes at any time by contacting us on 13 17 03.

If You would like to review or correct the personal information We have about You, or if You wish to make a complaint, please call 13 17 03. For further information, see the RAC Group privacy policy at

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