It’s important that you read and understand these documents.

Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG)

What's this?
Commenced on or after 31 May 2023
Renewed on or after 31 May 2023

Supplementary PDS (SPDS)

What's this?

Contains important changes to the PDS

Commenced on or after 15 January 2024
Renewed on or after 15 January 2024

Target Market Determination (TMD)

What's this?
Commenced on or after 23 March 2023
Renewed on or after 30 April 2023

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.

Pre-existing condition exclusion waiver form

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

For all pre-existing conditions, please fill out the form. A full treatment history must be provided with any waiver requests.

Direct Debit Request Service Agreement (DDRSA)

What's this?

Updated 19 March 2023

Key policy information

You must pay the vet treatment cost first and then claim reimbursement from us. We do not make direct payment to your vet.


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.

RAC use and require your personal information to consider your insurance application and any subsequent application for insurance and to issue your policy. We also use your personal information in the course of administering and managing the products and services you and other members have with us, including for dealing with any complaints and claims. This may include the use of your details to administer a claim by another party. For the purposes of doing so, your personal information may be passed to, or received from, a joint policyholder, RAC's assessors, investigators, repairers, suppliers and/or 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 the RAC Group has 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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‘Illness and injury’ cover covers 80% of vet costs, less any relevant excess, up to an annual limit of $12,000. Conditions, limits and 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. You can also access our TMD here. Pre-existing conditions, 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.