Dog insurance
- Save 10% plus 1 month free for members**
- Pay only the gap^
- Tail wagging protection
Protect your best friend
From puppyhood antics to the golden years, choose the right cover for your dog and keep those tails wagging.
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 insurance
| Best in Show Cover | |
|---|---|
| Annual benefit limit | Choose between $7,500Footnote †, $20,000 and $35,000 |
| Benefit percentage | Choose between 70%Footnote †, 80% or 90% |
| Annual excess | $0, $200, $500Footnote †, or $1,000Footnote † |
| Eligibility | Younger than 9 years of age when you first apply |
| Accidental injuries | CoveredExamples include motor vehicle incidents, falls, near drowning, snake bites and ingestion of foreign objects |
| Illnesses | CoveredExamples include skin allergies, ear infections, cancer, respiratory diseases and infections. |
| ConsultationsFootnote % | Covered |
| Prescription medicines and drugsFootnote % | Covered |
| Hospitalisation, surgery, and specialist careFootnote % | Covered |
| Diagnostic tests and radiologyFootnote % | Covered |
| Hereditary and congenital conditionsFootnote * | Covered |
| Emergency pet boarding | Covered |
| Booster Care | $2,000 annual benefit limit for a range of specified dental conditions and specialised therapies like physio, acupuncture, hydrotherapy and treatment of behavioural conditions (Optional cover, in addition to your annual benefit limit) |
| Routine Care (non-insurance benefit) | $150 annual limit for routine and preventative pet care items like health checks, vaccinations, microchipping, desexing, nails clipping (Optional benefit, in addition to your annual benefit limit) |
| Waiting periods |
|
- Covered
- †.
- $500 excess is not available with the 70% benefit percentage. $1,000 excess not available with the 70% benefit percentage or $7,500 annual benefit limit
- %.
- *.
Note: Pre-existing conditions are excluded from cover.
Summary only. Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions - Exclusions, limits and excess may apply.
% This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information.
Optional Routine Care (non-insurance benefit)
Claim up to $150 per year for routine and preventative pet care.
Includes:
Desexing
Vaccinations
Health checks
Microchipping
Heartworm preventative
Prescription diets
Puppy pre-school and obedience training
Flea, tick and worm control
FeLV and FIV, and heartworm tests
Wellness blood screen
Nail clippings
Optional Booster Care
Enjoy a $2,000 annual limit for a range of specified dental conditions and specialised therapies.
Cover for specified dental conditions:
Scaling,
Polishing,
Dental x-rays, and
Removal of teeth where medically necessary,
due to:
Gingivitis
Abscesses
Dental disease arising from infection
Retained deciduous teeth
Cavities
Fractured teeth due to dental disease
Odontoclastic resorptive lesions.
Cover for specialised therapies:
Physiotherapy or physical therapy
Chiropractic manipulation
Acupuncture
Hydrotherapy
Treatment of behavioural conditions
Consultations with a veterinary behavioural specialist
Common questions for dogs
- What accidental injuries are covered under Best in Show Cover?
- What illnesses are covered under Best in Show Cover?
- Is there any offer for existing RACT members?
- Is there any offer if you’re not a member?
- Can I cancel my dog’s policy?
- Can I continue to insure my dog as it gets older?
- Can I insure more than one dog?
- At what age can I start my dog’s insurance?
- Do RACT sell dog insurance in store?
- How do I make a claim?
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.
Important information and disclaimers
- PDS, FSG and forms
- Target Market Determination (TMD)
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.
^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/