RSPCA Pet Insurance (by Greenstone Financial Services)

I am utterly appalled by my experience with RSPCA Pet Insurance. After four years of trusting this company with my two dogs, I discovered that their so-called “best coverage” is misleading and does not cover essential treatments such as dental cleaning. I was reassured by representatives that my pets would have full coverage for everything, and I… Read more

relied on that advice when selecting their best policy.

To my shock, when I attempted to claim for routine dental care, I was told it was not included and that I should have “read the policy” despite having explicitly sought the highest coverage available and being told I was fully covered. This is completely unacceptable. I trusted your company to provide the best care and coverage for my pets, and instead I feel deceived, dismissed, and undervalued as a customer.

The way this complaint was handled reflects a total lack of professionalism, transparency, and customer care. I am extremely dissatisfied and cannot recommend RSPCA Pet Insurance to anyone seeking trustworthy and comprehensive coverage.

Not Great Value As Suggested! – The policy does not represent good value for money unfortunately; there’s a ‘premium’ for people who care for their pets, I have had this policy for sometime now and in terms of return for outlay the percentage received back is very poor! Show details

I would have given 3 stars, as their emergency illness cover has assisted me twice and the claim process was relatively fast, usually withij a week or two depending how fast your vet gets their notes in. The rest of the time I believe their premiums are absolutely expensive. I had two policies for two Pomeranians (started a year a part). 1st… Read more

problem they have which is apparently experienced by many here - premium increases. Both dogs started at roughly $55 and $60 a month. Five years later, one is at $141 (one year behind, so if you do the same math justification the next increment will be $185 this year) and the other is at $151. The jump to this year was 30% year on year. How that is justified, they tell you it's the area, the breed of dog, the usual corporate jargon excuses.

2nd problem I had, I forked out $6k for my dogs knee surgery purely because they denied the claim as my vet mentioned one phrase in their notes during their very first ever puppy exam. The phrase was not even anything remotely close to saying my dog had a knee issue, just a comment but with no follow up required. They used that to deny my surgery claim. Even my vet tried to dispute the fact.

Stay away from this company. They suck you in with okay initial premiums for the first year knowing full well pet insurance is virtually impossible to change companies and lock you in for good. They then jack their premiums up year on year until you're eventually paying through your nose.

I can keep the money the $300 per month (probably 350 this year) they're charging me and put it aside for my own insurance and be far better off instead of gifting money them.

Trustworthy? No. Would I ever recommend them? No At face value, they market with RSPCA branding as though they care about the animals, but it's clear, their bottom line matters most. That's fine for a corporate company, not for an apparent branch of a animal charity.

Pet Insurance is a no brainer for me. I have saved thousands of dollars in the three years that I have had the Pet Insurance. I have saved much more than I have paid in insurance. Recently, one of my Dachshunds ate a stone!! The vet bill was $9000. But I only had to pay 20% because of my Insurance. Two years ago, my other dog ate a puffer fish… Read more ·  1

and was kept in overnight. They had to run lots of tests. Again, I only had to pay 20% of the $8000 bill.

The best thing about Pet Pet Insurance that I have total peace of mind. If there is ever a problem with my dog, such as unusual vomiting or going off food, I don’t hesitate to take them to the vet and the vet can do any tests that they recommend without me having to think twice about the cost because I know I will be reimbursed 80%. I can’t recommend it enough!!

As it is directly debited from my account, I don’t notice it but I do notice the huge savings every time I go to the vet.

At my local vet, I only have to pay the gap. I really recommend going to vets that offer that service so that you don’t have to pay the whole bill upfront and then be reimbursed later.

I have got the top Pet Insurance (ultimate plus) with the additional accident and emergency cover because I read the fine print very carefully and realised that I could get caught out on the fine print.

I also got the insurance from when my dogs were puppies as in the fine print it says that if it is a pre-existing condition there is less or no reimbursement so I figured that if I got the insurance from when my dogs were puppies there would be no pre-existing issues.

Have been with RSPCA now for many, many, many years with my dogs. I find the policy reasonably good value although given it is the Ultimate Plus it should offer more than $300 per year back on Vet consultation fees and should consider an allowance for pet physiotherapy as this treatment has been instrumental in getting my fur baby up and moving… Read more ·  1

properly again after her operation last year. The policy was easy to set up online and the people answering the phones have always been helpful. I recently had problems getting onto the pet portal and the staff were great in helping rectify the issue. I find the GapOnly component is a blessing and the time it takes to process while you wait is quite quick (about 5-10 mins wait on average). Even if I pay the bill myself and then submit the claim it only seems to take a 2-3 days. The SMS confirmation that you are working on the claim is great too. Overall I have been happy with the processing of invoices over the years. If I wasn't, I would not continue with RSPCA insurance. Yes, it is expensive, but last year's unexpected health issue proved its value to me.

RSPCA(PETSURE)is the best,if you are having problems with paying your pet insurance you can ask for help and they’ll help you.Katrina(customer service)is great she helped me with my problem and she is very polite and very helpful. Thank you KATRINA and thank you PETSURE you guys are awesome.Keep up the great work Thank you again Show details ·  1

Happy with RSPCA, really helpful regarding my two dogs Health Care financially, communication very easy with them, understanding good regarding your situation and help you anyway ❤️ Show details ·  1

My cat is getting older now so I need to use the insurance more than ever before. Making claims has become so much easier now that a claim can be made by the vet and it is processed within minutes. My insurance helps me to make decisions for my cat’s welfare without the worry of whether I can afford to pay. Thank you for your service. Show details ·  1

Horrible customer service. After wishing to dispute a claim - emailed and only received a response back 11 business days later, saying I would receive a response from the claims department in 1 to 2 business days… now 6 business days no response. In that email I was also told the claim had been addressed as a pre existing condition - even though… Read more

the claims were for diagnostic testing that did not diagnose any condition… huge regrets moving from an insurer that was FAR more responsive.

Very disappointed in what I consider a huge price hike in coverage. Nearly $60 per fortnight. We have had the insurance for six years for our British Bulldog. We also had a previous insurance for our first bulldog. I have no alternative except to cancel the policy. Show details

Worst customer service I have ever experienced. The call centre is clearly overseas and it is very difficult to understand them. They have zero compassion and very unhelpful when trying to sort out a problem with a claim. Would not recommend them at all. Choose another insurer!!!! Show details

Good insurance but a nightmare to cancel the policy. 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… Read more

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.

My dog has been covered for 10 years now by RSPCA Pet Insurance (Hollard Insurance) and just received the annual renewal of $2760.00 per year. I love my dog and its extremely dissapointing to be taken advantage of when you have been loyal for so many years. Comparing this level of cover with other insurers I am paying 3.5 times. Other insurers… Read more

are willing to cover my 10 yr old pet for a much less premium and I questioned this with RSPCA and they became extremely defensive not allowing me to interject then they disconnected the call. Call was made today 12/8/2025 12:13pm AEST.

I called RSPCA today to discuss the way I was being charged for Luna’s insurance. I have been reviewing all of my outgoings as I am not working. I spoke June, he so was kind a caring about my situation and offered me 3 months cover for free whilst I am not working so Luna was still covered and to ease my financial pressure. I was gobsmacked to say… Read more ·  1

the least! I highly recommend RSPCA for your insurance options for your loved 4 legged family members, they go above and beyond! I am so very grateful for the kindness shown to me today.

With thanks Linda and Luna

I contacted to cancel my insurance as the premium had gone up which I could no longer afford and since my fur baby was really at the stages where no amount of insurance could cover for old age. the wonderful customer service staff Benedict was very supportive and offered to waiver the next month (just in time for Christmas!) and if I still wanted… Read more ·  1

to cancel to call in and cancel with no strings attached. this was a great surprise and came at a great time with Christmas around the corner. I was very thankful for the service to know that my fur baby could still be covered during her most vulnerable time.

i was lucky enough to have a friendly, accommodating, knowledgeable, and articulate customer service agent, her name was Mitz. Kudos to all call centre agents from the Philippines, like Mitz, keep up the excellent service Show details ·  1

At the moment due to being in financial trouble I spoke to RSPCA pet insurance on my options. They were very understanding and helpful with my options on my pet insurance policy. Show details ·  1