RSPCA Pet Insurance Australia Reviews 

Been with them for almost 4 years. Today we receive a letter out of the blue that they have transferred our account to another company without any notice, any agreement or anything remotely in the contract that indicates that can happen. And then when you call them you can go back to RSPCA insurance. shifty, ILLEGAL and something defenitely not right.

Absolute worse experience dealing with RSPCA , NEVER again and wouldn’t recommend to anyone. You will never get your claim through , they only take money.

Extremely disappointing.

Years of paying premiums, a new underwriting process, and now an emergency $12k surgery for my dog and RSPCA Pet has refused to cover it.

What exactly have I been paying for all these years?

Thousands of dollars in premiums and, when it mattered most, essentially no protection. An absolute waste of money in my experience.

Do yourself a favour and look elsewhere. I certainly will be.

RSPCA Pet Insurance changed underwriter and I followed suit. The left hand doesn’t talk to the left hand - have now had two separate vets putting through claims to the wrong underwriter, but the previous underwriter doesn’t notify the new one - I cancelled a policy on my geriatric dog as a result of thinking she wasn’t covered, and now won’t be able to get her reinsured after a decade of insurance. Absolute disgrace, and the RSPCA should be ashamed of allowing their name to be associated with any of this. Rang up to resolve, was left on hold for quarter of an hour before the call was dropped at their end. Prior to this they’d increased my dog’s premium by $100 per month after moving to the Northern Beaches. The premiums were already ridiculous. Stay away from them.

If we could leave ZERO stars we would. We are shocked and disgusted at the recent rejection of our claim with RSPCA. We went to see our vet recently for our 2 year old doggie vomiting. The vet happened to check her teeth at the time and found some tartar build up, nothing serious. This was an incidental finding as she was not at all having any problems with her teeth. The purpose of our visit was to find out why our dog was vomiting. Because the vet included this tartar finding in his notes, the RSPCA decided this was the reason for our visit i.e. dental problem and refused our claim. We contacted them and the customer service agent advised they would review the rejection of our claim but it would take 15-30 days. We are considering lodging a complaint with the Australian Financial Complaints Authority if our claim continues to be rejected as we believe our claim has not been correctly assessed. This company should be fully investigated and requires Government intervention.

RSPCA they care and go that extra length to help all animals in need

Have had insurance with RSPCA for the last 10.5 years for two dogs. They recently changed provider with no notifications and have removed a lot of inclusions and increased the premiums by over double. When making a recent claim of $450 they deemed they would only pay $15…. Our cover is for 80% of bill. Their claims team is an absolute joke, take weeks to reply, barely speak any English. All round turned into a terrible insurance company which is a shame as they used to be great.

Re: DUKE's Claim.
This is to follow up my former complaint with RSPCA which was resolved after a lengthy negotiation.
As promised, RSPCA did pay out Duke's EUTHENASIA Costs after many phone calls, vets' letters and extensive negotiations on my part all of which were harsh on my mental health following the death of a dear animal companion.
However it is the case that the claim was finally resolved. I can see their business is based on a common strategy of DENY, DEFEND, DELAY - which not only frustrates but also IS AN ANIMAL WELFARE ISSUE FOR THE PET.
PROBLEM with this company is that they TRADE ON THE COMMUNITY TRUST created by RENTING THE RSPCA name. However they are just another pet insurer who are UNDERWRITTEN by Hollards and they simply retail a product much the same as many others.
Duke suffered and survived Spider Bite in 2017 and they refused his bandaging saying it was beyond my sublimit even though it was part of the treatment and NOT a CONSULT. Additionally they refused Duke's breathing equipment whilst he was dying of lung cancer and I had to bug them.
Anyway - after much strenuous effort on my part they paid - however most staff were not compassionate and stuck to their sublimits.
I will follow through with Vetrinary authorities on these issues in order to save other animals and their owners the anguish we went through and the obvious ANIMAL WELFARE ISSUES.

Loved it until they changed recently and now wtf.

A multinational insurer hiding behind RSPCA. Read the small print very carefully or get burned by them.

3 conversations with their overseas call centre regarding my terminal dog.
The first call the rep suggested that she would require evidence that my dog was sick enough to put down- no empathy or compassion at all.
The second call was a couple of days after my dog had passed over night and I was trying to arrange to cancel the policy, I was once again met with no empathy, no compassion and a reluctance to cancel the policy. It was only after requesting to speak with a supervisor that "Lyn" was able to process the cancellation. I advised that I withdrew any further authorisation for them to access my bank account.
I have just spent another hour on the phone as they took more money from my account. Once again met with zero empathy.

Please note that the policy has increased from $88 per month 2023 to being $240 per month in 2026? No change in inclusions at all just "inflation"

If I could provide zero stars for this abomination of a company I would. 3 reps, 3 calls nearly 3 hours. Do not insure your fur babies through this company. Honestly the worst service I have ever received

I will never insure my animals through RSPCA pet insurance again. Took out a policy on our new puppy, no injury or sickness history, he had an injury at 9months old and they denied the $2700 claim and used the excuse it was pre existing. Our vet provided his medical history and there are no records or sickness or injury only desexing and vaccinations yet they refused to honor the claim. Absolutely disgraceful. People beware of taking pur pet insurance with RSPCA

The platform is garbage and their excuses to deny a claim are endless. The claims platform is barely usable, crashes constantly, and you can't find any information about the prior claims you've made - clearly the whole system is obscured to make the process hard to manage.

Rspca are happy to take your money but when it comes to claims they are slow to process(so they can get another month's payment) just deny your claims i have had 4 out 4 claims denied with every excuse under the sun. Avoid at all costs they are a waste of money

RSPCA is not worth the money after a couple of years with them. We had been with them since getting a puppy and our policy has more than doubled in 4years, they offer a cheap rate to start with, then it’s over 25% hike a year. You would be better off starting a savings account for the $2k annual that want to charge for a 4yr old dog, with just 80% rebates.

In January we cancelled our insurance with RSPCA - but a few days later our dog was limping and they allowed us to reinstate the policy. Nothing came of the limping but several months later (4 weeks ago now) we sadly lost our dog. A very difficult time for us.
RSPCA were compassionate throughout - genuinely - paid out close to £3500 - no quibbles just got in with it and paid out. Even paid for the cremation costs before we put claim in.

Phone was answered every time we called - no hanging about.

Highly recommend them - you get what you pay for and we were mightily pleased to be in their hands at a difficult time - superb service - well done and thank you. Jeremy

Being a customer for 6 years . Soon as dog gets old they quadruple the price. Absolute dogs

Similar to other reviews, cancelling the policy is very painful. They didn’t respond to my email to cancel so I called and arranged for my policy not to renew on 31 December. I received email confirmation. I then randomly received another email a few days later advising it would be cancelled on 15 December. I contacted them requesting they dont cancel it until 31 December as per my initial request not to renew the policy. This was then confirmed on email that the policy would run until 31 December and then not renew. I then unbelievably got an email a few days later saying the policy would auto renew on 31 December. Absolutely ridiculous.

Waited 20 mins on the phone to ask 2 simple questions that the website was incapable of doing.
1. to add another pet to existing policy. How much?
2. How much to add optional extras (which I thought we were covered for - vaccinations and so on).
The person who answered then transferred to another phone and they could not tell me how much for either of the options but wanted a code and asked if I was using the same card for the transactions. Surely this is illegal?
We've hardly ever claimed as we have 3 young dogs. What are we paying money for?
As an addendum I got a call back from them following a complaint. When I complained about the call centre, was told that she can put a note on my cover to include being able to talk to someone in Australia. Like it’s a default that you wish 40 mins for a call centre to answer.

Rspca have put so many obstacles in my way when I try to cancel my my pet insurance policy for my deceased dog.
Been insured with rspca for life of two pets and did not expect this treatment
Will never insure with RSPCA again
Still waiting for cancellation of policy while paying instalments.RIDICULOUS!!!