RACV has made the decision to no longer offer RACV Pet Insurance effective 28 February 2020

When will my policy expire?

Your policy will expire at your next renewal date. Prior to your renewal date, we will send you a letter to confirm that your policy will cease as of the current expiry date.

Managing a claim

RACV Pet Insurance FAQs

What's covered with RACV Pet Insurance?

RACV Pet Insurance covers up to 80% of approved vet costs for any accidental injury or illness up to an annual limit of $12,000.

For example, if your approved vet costs come to $1,000, you can claim 80% on these costs. This equals $800 less any relevant excess. If for example, your excess is $100 we will pay you $700 and you will still have $11,300 of your annual limit available for any future claims in the period of insurance.

Are hereditary and congenital defects covered?

Yes, subject to the terms and conditions of the policy. This pertains to hereditary and congenital conditions that are not clinically evident in your pet prior to the commencement of your policy or during any applicable waiting periods.

What is covered under injury?

An injury to your pet caused solely and directly from an accident, not including gradual deterioration damage which occurs over time.

What is an illness?

A sickness or disease that your pet gets which reduces their health or standard of living.

Can I see any veterinarian?

We know you want to feel confident your pet’s getting the best medical treatment which is why you’ve got the freedom to choose the best vet for your pet. So long as they’re currently working and licenced in Australia and willing to provide you with your pet’s treatment history at claim time.

Policy documents

Financial Services Guide

RACV Pet Insurance Financial Services Guide for policies with a start date on or after 13 November 2018.




RACV Pet Insurance Financial Services Guide for policies with a start date on or after 1 July 2019.



Conditions, limitations and exclusions to insurance cover apply. RACV Pet Insurance is underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFS Licence No.233082) (‘RACQ Insurance’). RACV Pet Insurance is distributed to members of Royal Automobile Club of Victoria (RACV) Ltd, by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039 (‘RACV’). RACV distributes insurance on behalf of the insurer, RACQ Insurance. If you purchase a policy RACV will receive a commission that is a percentage of the base premium. RACV does not provide advice on RACV Pet Insurance. Before you make a decision, please carefully read the relevant policy documents including the Product Disclosure Statement (PDS) and Supplementary Product Disclosure Statement (SPDS), available from RACV.