RSPCA Pet Insurance
Verified5 reviews
Disgraceful company, I was with the ORIGINAL RSPCA for a long time, but it’s now been corporatised into PetSure / Buddy, no notification, no communication about this and certainly no communication about the policy increases and decreases in claims and values , I have no interest in being aligned to a company that’s intent is to force its clients financially, would never recommend or encourage the use of their products and services.
SO HAPPY I have reviewed RSPCA Pet Insurance before, and I would like to say I continue to be extremely happy with the service. My lovely Mavis has a developed a heart problem and is now on expensive medication. My percentage has been reimbursed without delay making my insurance worth every cent.
I've held this pet insurance policy for 10 years and have recently discovered that consultations are capped at just $300 per year. While my dog hasn't needed to claim this much in the past, his care needs are increasing as he ages — and a single vet visit alone can easily cost upwards of $200. I currently pay over $220 per month for this policy. Given the annual consultation cap, the premium feels entirely disproportionate to the coverage provided. I wouldn't mind the steadily rising premiums if the benefits justified the cost, but as it stands, I'd likely be better off setting that same monthly amount aside in a savings account.
Customer service has also declined noticeably. I used to speak with knowledgeable, local representatives who could genuinely help resolve issues. Now, calls are routed to offshore call centres where staff appear limited to reading from a script, with little ability to assist beyond that.
Overall, I'd strongly recommend comparing other providers before committing to this insurer.
I've been with RSPCA pet insurance for >8 years - originally for 2 puppies, then for 1 - Cavoodle. I didn't compare the Premium because it stated that it donated some of the funds to RSPCA. When I first inquired & signed up I was not told that I'd have to supply the Vet's Consultation Notes for claims, & was given the impression I was covered to 80%. Since then most claims have been rejected as non-eligible because they're either immunisations, or skin, ear or eye treatments, or whatever, & each time I am compelled to chase up the Vet for notes - even though the Invoice clearly records the Consultation. I hate having to contact the Vet for this, but if I don't supply it the claim is rejected. Even then it is often rejected,or just disappears. For that reason I usually don't bother! I'm currently in the process of re-submitting a claim for surgery, as soon as I get a response from the Vet.Then scanning in the Invoices & the Consultations notes. And now I see that the rebate is only 75%! I'll be cancelling, I think, after this. I'm paying $150.00 per month for this stressful chore! I don't consider this value for money!
Thank you for sharing your experience, and we're sorry to hear the claims process has felt like such a stressful chore. We have recently gone through some changes here at RSPCA Pet Insurance, including starting a new underwriter partnership. As your policy has been with us for over 8 years, your experience may have been with our previous underwriter.
While this does not improve your past experience, we'd like you to know the RSPCA selected our new underwriter based on how the product would support animal welfare and policyholder outcomes. Together, we're committed to improving outcomes for pets, their owners, and inspiring a more caring community for all animals.
We'd love to have a chat with you about your cover, and your potential options by changing to our new partnership. Please give us a call on, 1300 777 220.
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 they want to charge for a 4yr old dog, imagine what they will try charge for an 8yr old.
Hi Fiona, thanks for taking the time to share your experience. We completely understand how frustrating premium increases can feel, especially after being with a provider for several years.
Just to clarify, there’s recently been a partnership change at RSPCA Pet Insurance. Policies purchased before 1 April 2026 are underwritten by The Hollard Insurance Company, while policies purchased after this date are now offered in partnership with Pacific International Insurance.
This new partnership was introduced to help make pet insurance more accessible for pet parents. As part of this, we now offer more customisable cover that can be tailored to suit your pet’s needs and your budget, while continuing to support the RSPCA’s animal welfare work.
If you’d ever like to explore the new RSPCA Pet Insurance, we’d be more than happy to talk you through the options and help you come home.
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Hi Jeff, thank you for taking the time to share your experience. We know our recent change in underwriter has caused a lot of confusion and frustration for our long time supporters, and we want to share as much information as we can about what has happened, and why.
Our new partner, Pacific International Insurance, is the underwriter for all policies taken out after 1 April 2026. However, for all policies held prior to this change, they were and remain underwritten by the previous partner, Hollard, administered by PetSure.
Hollard and PetSure Australia are no longer able to sell or renew RSPCA branded policies, so when your policy came up for renewal, they moved you to their own brand, Buddy Pet Insurance, instead. This was their decision, not RSPCA's, and the RSPCA doesn't endorse the replacement policy offered to you, including the price increases mentioned.
We know lack of communication was a big frustration for policyholders, and under the previous arrangement, communications with policyholders were managed by Hollard as part of its standard process as the APRA-registered insurer. This meant the RSPCA did not have access to any customer information, and could not inform you about the changes to your policy.
We're sorry the way this change occurred cost you to loose trust in the RSPCA name, that matters to us.
If you ever want to see exactly what happened during this change, the full story is here: external link