RAC Pet Insurance

RAC Pet Insurance

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Description

Insurer
RAC
Policy
Pet Insurance
Underwriter
RACQ Insurance Limited
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$12,000.00
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0, $100 or $200

Covered events

Injury
u0026#149; Comprehensive coveru003cbru003eu0026#149; No waiting period
Illness
u0026#149; Comprehensive coveru003cbru003eu0026#149; 21 day waiting period
Vet consults
1
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Additional benefits

Routine care
u0026#149; Optionalu003cbru003eu0026#149; Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
Alternative therapies
u0026#149; Optionalu003cbru003eu0026#149; Some cover available under routine care option
Lost animal
Necessary euthanasia
1
Telehealth vet service
Legal liability

Conditions

Allergic reaction
1
Brachycephalic Airway Obstruction Syndrome
u0026#149; Coveredu003cbru003eu0026#149; Up to $2000u003cbru003eu0026#149; Standard waiting periods
Behavioural conditions
u0026#149; Not coveredu003cbru003eu0026#149; Some cover available under routine care option
Cancer
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Cruciate ligament conditions
u0026#149; Coveredu003cbru003eu0026#149; Up to $2600u003cbru003eu0026#149; Standard waiting periods
Ear conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Eye conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Dental and oral health conditions
u0026#149; Covered for injuryu003cbru003eu0026#149; Cover includes fractured tooth due to traumau003cbru003eu0026#149; Insurer requires annual dental examination/treatmentu003cbru003eu0026#149; Some cover available under routine care option
Ingestion of a foreign object
u0026#149; Coveredu003cbru003eu0026#149; Up to 1 incident per yearu003cbru003eu0026#149; Standard waiting periods
Heart conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Orthopaedic conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Patella luxation
Joint conditions
u0026#149; Coveredu003cbru003eu0026#149; No cover for elbow dysplasiau003cbru003eu0026#149; Standard waiting periods
Intervertebral disc disease
Hereditary conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
u0026#149; Coveredu003cbru003eu0026#149; Cover limited to tick paralysisu003cbru003eu0026#149; No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mitesu003cbru003eu0026#149; Standard waiting periodsu003cbru003eu0026#149; Some cover available under routine care option
Skin conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Snakebite
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Vaccinatable Conditions
u0026#149; Coveredu003cbru003eu0026#149; Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel coughu003cbru003eu0026#149; Vaccine benefit available under routine care option