1 photo
RACQ Pet Insurance

RACQ Pet Insurance

2.4 from 59 reviews · View Statistics
See the Best Pet Insurance in 2022 as rated by Australians on ProductReview.com.au.
Brand Manager for RACQ? Register now and take advantage of ProductReview's Brand Management Platform!

Reviews

  • Value for Money
    2.7 (24)
  • Transparency
    2.5 (22)
  • Customer Service
    2.7 (26)
  • Claim Resolution Time
    • <1 week (3)
    • 1-2 weeks (7)
    • 2-4 weeks (4)
    • 3+ months (3)
  • Claim ApprovedYes (10) · No (9)
Previous
Next
Heike
HeikePerth, WA
  • 15 reviews
  • 8 likes

How frustrating!

published
  • Value for Money
  • Customer Service
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
La Casa
La CasaDarling Downs, QLD

Very happy

published

Wow after a wobbly start and an unhappy outcome. Follow up by a very friendly guest services agent with the outcome being one happy client. Thank you RACQ. Kerrie Boodle

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!

Disappointed

published

Claims process took longer than expected - waited 20+ days to hear about an outcome. Paid over $1000 to treat a bad ear infection for our pup (needed sedation). Claim was rejected because he had skin allergies 6 months prior and they have assumed ear infection is linked when there is no actual evidence to suggest this - vet didn't notice or mention any allergies at all when treating the ear infection.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Adrian F
Adrian FSydney, NSW
  • 5 reviews
  • Verified

Terrible reward for loyalty, 40% increase in premium

published

Hi all, we took out RACQ Pet Insurance in late 2020, and had an uneventful 12 months, with no drawdowns on the policy. When it came time for renewal RACQ sent us a renewal for $200 more than our original price, a 40% increase. We looked on their website and got a quote for a new policy, rather than renewal, and it worked out even cheaper than our policy of a year ago. The fact is RACQ rewards your loyalty by massive premium increases, and new customers are more valuable to them. Enjoy.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Pet Insurance

Find out how RACQ Pet Insurance compares to other Pet Insurance

Know better, choose better.

Compare all
Ben W.
Ben W.South East Queensland, QLD

Lacks basic payment options

published

Pretty disappointing that you are penalised for being a monthly client and excluded from being able to pay via Bpay. It's such a simple service that a supposedly big company like this is unable to provide. If you're like me and want to pay via BPay each pay week to ensure you have no outstanding bills at the end of the month don't use RACQ.

According to the RACQ representative I just spoke with it's too difficult for RACQ to track monthly clients accounts if they pay via Bpay - how embarrassing for you RACQ. At least they are open and honest about their short comings.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!

Poor customer relations

published

Took our dog in for a stomach complaint(she had underlying tooth issue and ear issues)which were been managed. Examination and blood test...$400 later.Tried to claim the vet examination and blood test. No renumeration, they related the stomach illness to the tooth decay ....after anti biotics she is fine .Teeth are not affecting her in any way.
Go with another insurer.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Not Happy Jan
Not Happy JanSouth East Queensland, QLD

Gotta be the slowest responder on the planet

published

Policy entrapped me. Poor value because the hiked the premiums up on renewal. I lodged a claim with them and I was forced to enter into a complaint. Rubbish Service

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!

Related Articles

Previous
Super Funds Awards 2022!

A good super fund can make a substantial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2022.

Wendy Z.
Wendy Z.
super-funds-awards-2020
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.
credit-card-awards-2020
What Is Peer-To-Peer Lending?

Peer-to-peer lending is quickly gaining popularity among Australian borrowers and investors. If you've never heard of it before, this 2 minute read will give you a quick rundown so you can decide if P2P lending is right for you.

Nathan S.
Nathan S.
what-is-peer-to-peer-lending
Next
Julie
JuliePerth, WA

Consistently slow claim service

published

The actual insurance product seems as good as you will get anywhere however EVERY time I make a claim, even just ongoing medication top ups, we are required to telephone RACQ. EVERY time I am on hold and don't actually speak to a human for minimum 15-20minutes. Why isn't there an online claim service?!! The most basic claim takes around half an hour out of my day but the actual talk time is only about 5 minutes - understaffed?! Just get the online claim service going RAC!!

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Neil E
Neil ESouth East Queensland, QLD
  • 3 reviews

Best Pet Insurance

published

RACQ Pet Insurance is great value. Multiple clams made for same incident. All claims resolved and paid within 10 days. Previous claims for other incidents have all been paid without question.Have been with RACQ for five years.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Pet Insurance

Find out how RACQ Pet Insurance compares to other Pet Insurance

Know better, choose better.

Compare all

Slow, unrealiable and no transparency.

published

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.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Carolyn Ryan
Carolyn RyanSouth East Queensland, QLD
  • 3 reviews

Two claims paid without an issue

published

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!!!

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Troy30
Troy30Brisbane
  • 2 reviews
  • 1 like

Pathetic customer service!!

published

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!!!

  • Incentivised Review No
  • Claim Made Yes
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Pet Insurance

Find out how RACQ Pet Insurance compares to other Pet Insurance

Know better, choose better.

Compare all

Bad experience

published
  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
Ben B.
Ben B.
  • 2 reviews

Don’t make my mistake! Elbow Dysplasia not covered and no link to vets.

published
  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!
bobyammy
bobyammyOxenford

A must insurance.

published

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.

  • Value for Money
  • Transparency
  • See all answers
Similar opinion? Write a review on ProductReview.com.au!

Questions & Answers

Chris
Chrisasked

is spine/disc surgery covered?

1 answer
Heike
Heike

You would have to ask the insurer. I guess it would depend on your level of cover and in/exclusions and any pre-existing conditions your pet might suffer from.

Madonna B
Madonna Basked

Is IVDD covered in the policy?

No answers
Jasmine
Jasmineasked

Has anyone had any luck disputing a claim through the RACQ dispute resolution committee?

1 answer
Mark
Mark

Trying now, waste of time. But you need to follow process before going to AFRA.

See all RACQ Pet Insurance questions

Get an answer from our members

Details · 

CategoryPet Insurance
UnderwriterRACQ Insurance Limited
Annual Benefit Limit$12,000
Amount of Vet Bill Covered Up to 80%
Minimum Pet Age 8 weeks
Accidental Injury Cover Included
Illness CoverIncluded
Routine Care CoverOptional Extra
Tick ParalysisNot Included
Emergency Boarding FeesUp to the annual limit of $1,000 if you are hospitalised for 5 or more consecutive days
Lifetime Cover Included
Cooling Off Period21 Days
Consultation FeesNot Included
Cruciate Ligament ConditionsUp to $12,000 (included in the annual limit)
Waiting Period for Illness 30 Days
Discounts / Offers$50 off per pet when you purchase pet insurance online
Visit official website

Extra Information

Pet Insurance Australia
  • Award Winner 2022
  • 2021
  • 2019
  • 2018

Pet Insurance Australia

1,733 reviews
Ad
Official Website

Other Pet Insurance

Petsy Pet Insurance
Knose
Seniors Pet Insurance
RSPCA Pet Insurance
Bow Wow Meow Pet Insurance
See all Pet Insurance
Pet Insurance Australia
  • Award Winner 2022
  • 2021
  • 2019
  • 2018

Pet Insurance Australia

1,733 reviews
Ad
Official Website

SimonC

My cat might not be here if not for PIA

by SimonC on 12 Aug 2022
I took out pet insurance for my kittens at the start back in 2018, with PIA just in case. Of course hoping I would never have to make a claim - but un... Read full review

Simon

Hassle free and fast

by Simon on 11 Aug 2022
We have made two claims in the last two years for our Blue Heeler, Gypsy. Both claims were processed quickly and paid. Very happy with the service.... Read full review

Sayantan

Helpful

by Sayantan on 10 Aug 2022
I had a recent claim with Pet Insurance Australia for my dog and it was very professionally attended to. Thanks Pet Insurance Australia... Read full review

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.

©  ProductReview.com.au Pty. Ltd. All Rights Reserved. General disclaimer: All third party trademarks, images and copyrights on this page are used for the purpose of comparative advertising, criticism or review. This is a public forum presenting user opinions on selected products and businesses, and as such the views expressed do not reflect the opinion of ProductReview.com.au. Further details in the disclaimer.