RSPCA Pet Insurance Australia Reviews 

Having been customers for 10+ years we also insured our second hound. When he had a car accident we confidently agreed to emergency treatment in the knowledge we had 60% coverage with our policy (our previous hound had 80% and we hadn't had an issue). RSPCA paid out just $2,000 on a $20,000 bill. You think you're doing the right thing going with them but they're scammers. Our vet agreed they're terrible.

I’ve been with your company since my dog was a puppy, over 12 years of loyalty and this is how you repay your customers?

$116 per fortnight for a small 12-year-old dog?! That’s over $3,000 a year. Are you seriously trying to justify this? People are struggling to make ends meet and you continue to hike up prices without any consideration for the financial pressure we’re under.

Now I have to choose between my own health insurance and my dog’s and guess what? Her pet insurance costs more than mine. And if I cancel, you wipe her cover for good because she's over the age threshold. What kind of system is that? You’ve trapped people into staying with you no matter how outrageous the cost gets.

Increasing premiums by $20 year after year is disgusting. You are preying on people’s love for their pets. This isn’t just overpriced, it’s robbery. Shame on you.

No excuses. No justification. Just pure greed.

Terrible insurance cover. We held consistent 9 years cover for 2 dogs totalling $34,560 in premiums to date and they wouldn’t even cover $150 vaccination or $150 checkup or anything for dental and just happily took our money without checking if it was suitable cover

I took out pet insurance with RSPCA in 2023 for my 1 year old Labradoodle, it was $68 per month, I made no claims that year, in 2024 the monthly premium went up 38% to $94, I made 1 claim that year totaling $300, now in 2025 they are increasing the premium to $124 per month.

This is an increase of 81% since I commenced the insurance with RSPCA, they tell me that the increases will happen every year due to 'various factors' and that it will increase again every year, so I assume it will increase by around 35% every year approximately which is highway robbery.

I'm better off depositing $100 in a savings account and savings account every month and saving enough for any pet related emergencies.

I hear pet insurance is not worth it from various people and I find this to be very true, do your math and ask questions before taking out pet insurance.

Find any loophole possible and excuse for avoiding claim. Had legitimate claim but they managed to find a way to suggest a preexisting undiagnosed condition was related. Asked for cancellation of policy and still waiting days later. Holland don’t care about your pet. They only care about their back pocket. Total rort.
“In 2019, Choice awarded the entire pet insurance industry a Shonky award for ‘emotionally manipulating’ pet owners into buying poor-value insurance,” Veyret said. “Choice experts found pet insurance policies riddled with exclusions, many with unfair terms and conditions buried deep in the product disclosure statement. Some insurers have improved their products since then, but it’s clear they still need to do much better.”

Waste of money and terrible customer service! I do NOT recommend this insurance. Lodged a claim and specified items to be claimed they rejected the claim and even accessed items I didn’t claim for as I knew they were not included in the policy. I canceled the insurance and went with another provider.

They have generic clauses that means the have loopholes for every claim. They haven't paid anything out with all the issues and standard claims we have made for our 6 month old pup. AVOID..!!!

I had Danielle call me after browsing on their website, she was friendly, informative and had great banter! felt like i was talking to a friend, i just wanted to say great job! i probably wouldn’t have taken the insurance for a couple months but she made it so easy, great job danielle!

horrible service every year goes up but the80%stay the same charge me $120 every two weeks not good greedy should be capped

Unable to pay my premiums due to illness I contacted RSPCA who went above and beyond to help me. They were incredibly understanding and supportive with my current circumstances.
They were so helpful in readjusting my overdue premiums to get me back on track.
Thank you RSPCA for all your compassion, understanding, support and we'll wishes for myself and for taking the best of care of my precious baby girl.
We don't know what we would do without RSPCA insurance 💕🐾

Due to really hard times of late and still having RSPCA pet insurance, I would eventually have had to have my mate Diesel put down, the RSPCA Paying for most of a $1500 operation to have a tumor removed from his snout,could have saved his life, I say it’s worth every cent of the premium and a big cheers to the RSPCA.

Absolutely useless

Been with RSPCA for 8 years, never missed a payment and only made a handful of claims. Just in the last couple of weeks had my fortnightly payment put up to $89 from $69. So about $15,000 I've paid them so far. They're doing alright. The guy on the phone wasn't willing to budge on putting it back either. Just cancelled and not happy either

Terrible pet insurance company - I will never recommend them to anyone. They have never paid out on a single claim I have ever made but the final straw was when they did not pay out on our dog's euthanasia - even though it states that euthanasia will be paid out on if the vet visit portion has not been used up). 10000% will not recommend

I have been with RSPCA pet insurance for a few years now. They are great to deal with and always are very quick to process claims and are honest and fair. I highly recommend.

Paid insurance premiums for 7 years just to find out they dont even cover half of the bigger surgeries required. Cruciate surgeries are over $5k yet their maximum payout per year is $2600. so wee out of pocket $7500 because our dog did both over 6 months. Why pay $110 a fortnight to not even be covered for the big bills when they come along. Would have been cheaper to put the premiums away over the term of their lives and not have insurance. 100% not worth a single penny.

Constant high pressure phonecalls
You get an online quote and then they ring you multiple times every day to try and pressure you into signing up.

They are the worst high-pressure sales people you will ever deal with.

DO NOT EVEN GET A QUOTE ONLINE - THEY WILL NOT STOP. THEY CALL YOU AT WORK, AT HOME, IT'S CONSTANT. IT STARTED 20 MINUTES AFTER I GOT THE QUOTE ONLINE

This insurance is a total ripoff they have an excuse for not paying nearly ever claim.
We sid over $800 dollars this year anb we're lucky to have got about 20%of that back in claim reimbursement.
Excuse after excuse,'" preexisting ? ""in a 4mth old healthy puppy, "
Not covered under general exclusions.
Etc etc.
I suggest looking for a better policy.

Don’t trust them! Waste of your money and time! There will be no gain from them! They look for any excuse in order to reject your claim! I asked them to call the vet as their assessment was wrong but they didn’t accept!