Pet insurance
Save 10% plus 1 month free if you’re a member, when insuring your furry friend, together with petinsurance.com.au®**
Totally pawesome insurance
They protect us, so let's protect them. Whether you're looking to get a new family member or already have a dog or cat, we're here for you.
As an added bonus, save 10% plus 1 month free if you’re an RACT member.**
Pet insurance from RACT, together with petinsurance.com.au®.
Dog cover
Whether you're about to get a new puppy or already have a beloved dog, choose the right cover to keep those tails wagging.
Cat cover
Whether your feline friend goes outside or prefers to stay indoors, choose the purr-fect cover for them.
Common questions
Is there any offer for existing RACT members?
Yes, if you're already an RACT member you'll need to let us know by providing the promotional code RACTMEM1FREE and a valid RACT member number at the time of purchase in the member funnel. You'll then save 10% plus 1 month free.**
What exclusions apply?
As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as:
Conditions which occurred prior to commencement of your first policy period or during any applicable waiting period (‘pre-existing conditions’).
Routine or preventative treatments (unless routine care (non-insurance benefit) is purchased.
Dental treatments (unless Booster Care is purchased).
Elective treatments and procedures and breeding or obstetrics.
It is important that you read all of your policy documentation for full details.
Can I use my own vet?
Yes. You can use any vet who is licensed to practice in Australia, other than if you're a practicing vet yourself.
How much of the vet bill will be covered?
Depending on your choice of cover, we could reimburse up to 70%, 80% or 90% of eligible vet expenses for your pet, subject to annual benefit limits, exclusions, excess and waiting periods. Refer to your PDS for more information.
When will my policy commence?
When will my policy commence?
Your policy will commence at 11:59pm on the day that your application is accepted by us.
The waiting periods that apply are:
2 days for accidental injuries
30 days for illnesses
6 months for cruciate ligament conditions*
Booster Care (where selected)
6 months for specified dental conditions
30 days for behavioural conditions like anxiety, phobias or compulsive disorders
The waiting period that applies to specialised therapy treatments is based on the condition being treated, whether an illness or an accidental injury.
*May be reviewed on application by completing the Cruciate Ligament Form
How do I renew my policy?
As long as we continue to provide the product, we’ll offer renewal and/or replacement of your policy every year.
Unless you’ve told us beforehand that you’ve chosen not to automatically renew or not automatically accept the offer of a replacement policy, your policy will automatically renew or, where applicable, your replacement policy will automatically commence on those terms.
We will also remind you that you can opt out of the automatic renewal/replacement process. This way you don’t have to worry about your pet’s cover lapsing, unless you don’t pay the premiums when they are due.
Is there any offer if you’re not a member?
Yes, if you're NOT an RACT member you’ll need to let us know by providing the promotional code RACTGEN1MF at the time of purchase in the non-member funnel. You'll then get 1 month free.~
Can I cancel my pet’s policy?
You can cancel your policy with us at any time by contacting our customer service team.
The cancellation will be effective once we provide you with a written confirmation of your request, either by email or letter.
We’ll retain the portion of the premium that relates to the period that you’ve been insured up to your cancellation date. Where you have paid for a period in advance (e.g., for the full fortnight, month or year), we’ll refund that proportion of premium for the time remaining on the policy (less any non-refundable government or statutory charges).
Do RACT sell pet insurance in store?
Pet Insurance is an exclusively online product together with petinsurance.com.au®. It is not available in-store.
How do I make a claim?
Option 1: Your vet submits the claim on your behalf
Pay only the gap with GapOnly®^: You can have your RACT together with petinsurance.com.au® claim processed on the spot if your vet clinic is a GapOnly®^ partner. GapOnly®^ reviews and calculates your claims while you’re still in-clinic, so you only have to pay the gap between your pet insurance benefit and your vet invoice for eligible claims.^ Ask your vet or check here to see if they're a GapOnly®^ participating vet.
Vets can do the claim for you: Alternatively, many vets can submit your claim on your behalf directly to us via our paperless eClaims service. Ask your vet if they can do this for you at the time of settling your invoice.
Option 2: Submit your claim online
If your vet can’t submit your claim on your behalf, the easiest way to make a claim yourself is through the Pet Portal. To make a claim, you'll need the following documentation:
Itemised invoice (a paid invoice that includes individual treatment items and costs adding up to the total amount paid)
Vet consultation notes, if you have them (these are the veterinarian’s medical notes from examination findings)
If you adopted your pet at a later age, we will need documentation showing the date you took ownership. To help assist us with obtaining this vet history, you can also add your vet details in the Pet Portal.
You can submit your claim without vet consultation notes but in some cases, we may not be able to process your claim without them. If this is the case, we may need to contact you or your vet/s which may result in a delay in processing your claim.
Option 3: Send your claim in the mail
If you would prefer to lodge your claim in the mail, please follow these steps:
Step 1: Download a claim form here and print it out.
Step 2: Fill in your and your pet’s personal information in Part 1 of the claim form and sign the form.
Step 3: Take the claim form to your vet and have them complete the applicable sections. Ensure your vet includes their practice details on the attached invoice.
Step 4: Attach detailed itemised invoices and payment receipts to the completed claim form and mail it to us at the address below:
Petinsurance.com.au
Locked Bag 9021
Castle Hill NSW 1765
In some instances, we may require more information to process your claim. If this is the case we will contact you for this information.
Once we receive your claim form and all relevant documentation, we will process your claim.
For more information please call our team on 1300 285 377.
Can't find what you're looking for? Find more information on petinsurance.com.au® or call our friendly customer service team on 1300 285 377.
Related products
Important information and disclaimers
PDS, FSG and forms
You can access all the Product Disclosure Statements, Financial Services Guide and Forms on the petinsurance.com.au® website.
Target Market Determination (TMD)
You can read all the Target Market Determination documents on the petinsurance.com.au® website.
Petinsurance.com.au® policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and The Royal Automobile Club of Tasmania Limited ABN 62 009 475 861, AR 228578. Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PIPL. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsurance.com.au.
*Policy terms and conditions, limits, waiting periods, exclusions and excesses apply.
**This offer only applies to RACT members who purchase a new RACT together with Petinsurance.com.au® Pet Insurance policy between 12:01am AEST on 2 July 2026 and 11:59pm AEST on 30 June 2027 (Offer Period). Offer provides RACT members with a 10% discount on their new RACT together with Petinsurance.com.au Pet Insurance Policy premiums each year, whilst the policy remains in force, with all premiums paid in full, and while you remain a RACT Member (Member Offer). For instalment payers, the Offer is applied proportionately across all instalment payments during each year you remain eligible for the Member Discount. For annual payers, the Offer is applied automatically to your annual premium amount each policy year that you remain eligible for the Member Discount. This Offer will also provide RACT members with 1 month free in their first policy year only when they purchase a new RACT together with Petinsurance.com.au Pet Insurance Policy during the Offer Period (1-Month Free Offer). Instalment payers will not be charged an instalment for the first month and instalments will be charged from the second month of your policy period. Annual payers will have the 1 month free deducted from the annual premium at the time of purchase. To enjoy the Member Offer and 1-Month Free Offer, you must provide the promotional code RACTMEM1FREE and a valid RACT Member number at the time of purchase. Customers can remove this Offer at the time of purchase. Not available with any other offer except for the multi-pet discount for additional pets. Excludes RACT staff members. Both the Member Offer and the 1-Month Free Offer are subject to RACT together with Petinsurance.com.au Pet Insurance Policy T&C’s available https://www.ract.com.au/insurance-and-finance/pet-insurance. Eligibility criteria applies, refer to the Product Disclosure Statement. RACT together with Petinsurance.com.au reserves the right to withdraw, vary or extend these Offer’s at any time, without notice.
~This offer provides you with 1 month of FREE pet insurance in your first policy year. For fortnightly or monthly instalment payers, the first premium will be charged on the first premium instalment of the 2nd month of your policy. The offer applies to customers who purchase a new RACT together with petinsurance.com.au® pet insurance policy between 12:01am AEST on 1 September 2025 and 11:59pm AEST on 30 June 2027 (Offer Period). Offer cannot be used in conjunction with any other offer with the exception of the multi-pet discount. Terms, conditions and eligibility criteria applies (Refer to the PDS). RACT together with petinsurance.com.au reserves the right to amend this offer at any time, without notice. Please visit www.ract.com.au/pet-insurance.
-10% multi-pet discount is applied to a second pet policy and each new additional policy Pet Insurance policyholders get a 10% multi-pet discount that applies to their second and subsequent policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately) (“Discount”). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction. For existing policyholders that wish to insure an additional pet, please call us on 1300 285 377 for the Discount to apply. .Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) remaining active policy, the Discount will cease to apply on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. RACT together with petinsurance.com.au® reserves the right to withdraw, vary or amend this Discount at any time, without notice. Eligibility criteria applies for RACT together with petinsurance.com.au and is subject to the Product Disclosure Statement terms and conditions.
^The gap means the difference between the vet's invoice and the claim benefit under your policy. GapOnly® is only available at participating Vets. Please visit gaponly.com.au to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).
#myPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available only to holders of active RACT together with petinsurance.com.au® policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.
>Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal.petinsurance.com.au.
<PetSafetyNetTM is a trademark owned by PetSure(Australia) Pty Ltd ABN 95 075 949 923 AFSL 420183 (PetSure). Eligibility for access to PetSafetyNetTM applies. For more information and the terms and conditions for PetSafetyNetTM, visit the Terms of Service available petsafetynet.com.au/safetynet-terms-of-service/