They will do whatever it takes for you not able to make a claim successfully. Very slow with processing and requires few follow ups for 3 weeks still with poor results. I cancelled my pet insurance immediately.

Two claims submitted for one of my Golden Retrievers. Both claims paid as per the policy. Fast settlement. Great communication. Highly recommend considering RACQ when insuring your pet. Happy to say my dog is now fit and well!!!

When trying to contact RACQ On the claims line they always have phone lines that cut out or no one can be heard. They then call back once with the same crackling line and then get cut off with no return call. They always say “oh we will have to make do with this line” and Rh n it gets disconnected. 7 days after Calais lodged and no response. Never ever again RACQ!!!

Have been a member of RACQ for many years Never any issues regarding claims.
Claims always paid in a timely manner.
Customer service is excellent.
Good to know you are backed by quality.

RACQ offered the cheapest policy with good benefits that were on par with the rest of the big insurers in Australia. I have been with them a year now. I lodged a claim for my dog having treatment - some $4000 worth of bills, and it was processed reasonably fast. The people on the other end of the phone were very helpful. My second year bill jumped up $60, so will be calling them to try and get them to lower this, as there are cheaper companies out there for the same thing.

Policy looked ok and was easy to set up.

This was the first time ever taken out pet insurance.
What a bloody hassle when we took our 6month golden retriever in for check up on a ear infection and sore paw. RACQ would not process the claim with history. I get it. However our Puppy was only 6months old how can we produce history when puppy hasn't got a history. I got constant emails and letters requesting history. What a joke. Why can't some just pick a phone and call me. I had to call them in the end. Now they say in a letter its out side the Policy, its taken too long.

I wish up front you were asked to provide a Vets - "Condition Report" this would saved me not a lot of pain.

So now i am out of pocket what a joke....

Strict underwriting and exclusions. I had a dog covered for many years who had a life long illness, and then decided it was too high risk and was forced to leave the policy. The customer service was terrible and zero empathy during stressful times involving my fur kid/s.

Our dog had back leg problems when it was a pup. Vet fixed legs and said it would probably not be an issue for the rest of it's life. Dog now seven had no other leg issues and RAC said they will not insure him

My cat recently became very ill. Which ended up being a rather expensive treatment of 3 weeks at the vets, specialist and emergency. It was a massive claim with my RACQ Pet Insurance, and they paid the full amount. It's worth it being with RACQ. Happy to have 3 pets insured with RACQ.
Thank you

Although the breed of dog is specifically stated in the certificate of insurance, failed to pay out on surgery due to the issue being a common concern in the breed. Researched policies carefully because I was aware of issues with claim payout but I thought RACQ was reputable so am extremely disappointed. Pre- existing condition an easy out for non payout of claim.
Cancel now!

Stay away from RAC pet insurance.
They do not pay out large claims. They will claim it is a pre existing illness even though my dog has no vet record of pre-existing illness or injury I even got my vet to write a letter to them stating that and still can’t get my claim accepted.
Very difficult deal with and the worst costumer service.
I seriously don’t know how they can get away with it.

I recently made my first claim, was quite easy, just called up and answered a few questions and they did the rest. They contacted me a few times throughout the process with updates. My only complaint was that it took about a month to get an answer, but in the end they approved my claim, refunding me $1100. Hopefully future claims won't take as long. You do need to be careful about pre existing conditions though. I took my dog to the vet once a couple years ago because she was in pain, gave her a couple of pain meds and was fine but now they're trying to say she has osteoarthritis even though she doesn't. Now I have to take her to the vet and fill out a waiver form to get it sorted out.

Went onto the RAC Pet insurance website to purely see what kind of costs/quotes are involved with their pet insurance, i didn't even progress the page after seeing the quote and I have been spammed every day non-stop with random phone numbers linked to RAC Pet Insurance trying to get ahold of me!! Do youself a favour don't even bother getting a quote from these guys if you do not want to get a tonne of unsolicited phone calls, pests.

Adopted a dog from a rescue. No vet history. Makes a claim then gets told that we got denied because it was prior condition. We didn't even know he had it before! He had no prior history! Rip off!