Choose RACQ Pet Insurance for care you can count on

We’re a different kind of insurer. When you purchase RACQ Pet Insurance, you become an RACQ member. So, you can count on us to be by your side when your pet needs you. We’ll help cover unexpected vet bills so that your furry friend can have a longer, healthier life. Because they’re more than a pet, they’re family.

Get your quote

Save $50 when you buy this policy online *

What does my RACQ Pet Insurance cover?

To learn more about what RACQ Pet Insurance covers, read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

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    If your pet suffers an illness or injury that we cover during the period of insurance (but after any applicable waiting period), we pay 80% of vet costs less any relevant excess, up to the annual limit of $12,000, subject to any limit or sub-limits that may apply.

  • house-home
    Up to $1,000 for emergency boarding
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    Pet abroad
    We extend the cover you get in Australia to cover your pet when it’s with you in New Zealand or Norfolk Island
  • Blue tick
    Euthanasia costs
    We pay 80% of vet costs, less any relevant excess, to euthanise your pet if a vet decides it is essential.

RACQ Pet Insurance optional benefits

Check out our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations to see if an RACQ Pet Insurance policy is right for you. 

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    Tender Loving Care (TLC) Package

    Get up to $100 each year to take care of preventative healthcare treatments like:

    • Teeth cleaning
    • Micro-chipping
    • Food prescribed by your vet
    • Heartworm prevention medication
    • Vaccinations
    • Health check-ups by your vet

Why choose RACQ for your pet insurance?

  • callcentre-person
    Our Queensland-based team are here to help
    Get in touch with us to discuss your claim.
  • calendar-with-squares
    We offer a 21-day cooling off period
    Circumstances change, we get it.
  • laptop-with-credit-card
    Ask us about monthly instalments
    Get premiums automatically deducted from your account.
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    Upgrade your pet insurance
    Show your pet extra care with our TLC optional benefit.
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    Online claims
    Claim 80% of eligible vet costs from licenced vets who can provide treatment history (less any relevant excess, up to $12,000 per year, subject to any limit or sub-limits that may apply).  Find out how to make a claim.

Why get pet insurance?

You’re covered for the unexpected

For example, imagine your pet dog has been vomiting for 24 hours. The vet conducts an abdominal ultrasound revealing a small foreign body in the intestines.

An exploratory laparotomy is then undertaken to remove the foreign body requiring an overnight hospital stay. This process can cost upwards of $4,000 but thanks to RACQ Pet Insurance, your expenses are reduced†.


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Save with RACQ Pet Insurance

  • piggy-bank-dollar-coin
    Buy online to save
    Enjoy a $50 discount when you buy RACQ Pet Insurance online.*
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    Multi policy discount
    Save up to 5% off each eligible policy when you’ve got three or more qualifying RACQ Insurance policies.

Award-winning insurance

RACQ Pet Insurance has been awarded People’s Choice for Queensland’s Best Pet Insurance, Exceptional Value Accident & Illness Pet Insurance, Exceptional Quality Pet Insurance and Exceptional Value Comprehensive Pet Insurance in the 2021 Mozo Awards.
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Enjoy the perks of being an RACQ member~~

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Enjoy discounted retail therapy
Access discounted eGift Cards for iconic brands at leading retailers across Australia. 
Learn more
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Save on the essentials every week
Enjoy a 4% discount on pre-purchased Woolworths Supermarket eGift Cards.
Learn more
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Treat yourself to a little entertainment
Save on eVouchers and eGift Cards for Event Cinemas and BCC Cinemas Queensland-wide.
Learn more
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Earn cashback rewards when you shop
Shop online with more than 200 fashion, beauty, pet, and home retailers and earn cashback rewards.
Learn more

Manage your pet insurance

tap-and-go-cardsRenew your insurance
pet-pawMake a claim
information-documentUpdate your personal details
document-with-pen-pencilUpdate your policy

Pet insurance FAQs

Help centre

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

*The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months. Policies effective before 9 December 2024, maximum of 4 pets/$200 discount per policy.

†Example is a real-life RACQ Pet Insurance claim.

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.