RSPCA pet insurance
It's quite good value for money. I've made 2 claims and one claim took weeks and several contacts before it was paid out. They had misplaced the information forwarded by the vet and took a few phone calls to sort out. The other claim went through without any problems. I've only been with the RSPCA since January 2020
Good cover but unfortunately became too expensive to renew
Very happy with level of cover but the huge price hike of 27% in annual premiums during covid19 unfortunately put end to my loyal insurance renewal. Rspca do not price match or negotiate premium.
Cover out of reach if you have multiple "high risk" pets
Have been with this insurance company for 3 to 4 years (different ages dogs). I haven't had any issues with claims upto date. My issue is the premiums have risen year after year as the pets get older; which is absolutely normal. What started at under $70 a fortnight has evolved into $100. I understand the risk grows with the animals getting older. But IMO almost 20% as a single year increase pushed me to consider saving that $2600 in a rainy day fund. At the current premium increase; I would be looking at heading towards $200 a fortnight once m...y dogs reach the age I'd really need cover. It took me 3 phone callsto cancel my policies; or at least they cancelled 1 of the 2. I had to phone back 2 weeks later once a payment for my second policy continued to be deducted. I was told by the sales team that i would get a call back once their customer service team were available. It didnt happen and I had to ring back the next day. This time my second policy was officially cancelled and once monies on their end were received; I would get a refund. Accidents happen but I thought it best cover my whole experience. I do appreciate they have recently changed their policies to mean there is no excess and you just have to pay the "gap" payment. Would have been nice when I had to pay a few grand for my dogs leg surgery; but at least it is their for future clients. I would somewhat recommend them as an insurance provider; but would be weary. Another note would be that I find it distasteful that first year premiums contribute to the RSPCA; which if you read it as it's written would indicate that is an far as their support goes.
Cover is good. Making a claim was a painful experience
Originally lodged a claim in October, it kept being deleted despite all info being provided. Claim wasn’t processed until mid January. Glad it was resolved, just wish it wasn’t a hassle.
payment by cheque
My claims seem to be paid fairly, as per my cover, so I have no problem with that. But why, when my premium is taken out by automatic bank transfer, does the RSPCA pet insurance pay me by cheque? There is only one logical answer to this, which is that they know a cheque, especially for a small amount, is unlikely to be banked straight away, and in the meantime, they keep the interest which accrues.
I'd like to suggest that I pay my premium by cheque, and see how they react to that, but I already know the answer.
Bad coms around when you’re allowance resets
Been with RSPCA for 4-5 years, was good at the start with efficient payment but has dropped off the longer we are with them. Not sure why the need to resubmit a full medical history on each claim.
As dogs age behavioural problems caused by cognitive and affective decline become increasingly prevalent, and increasingly expensive - through no fault of the owner. The failure to provide insurance cover for the veterinary treatment of these problems - which can be critical to an animal's well-being - is very disappointing.
Similarly, the exclusion of dental costs.
I put my claim in November 2019. I spoke to the customer service area, and was advised that looks like all paperwork has been provided. I advised if any further information is required to please email me asap, as this was a big claim, and I wanted it to be processed as quickly as possible. THe CS REp confirmed my email address. After another week, I phoned again, to see how everything was going, and if they needed any further information, again I advised to contact me via my email, they said that for me to check the portal. After a few mor...e days, I phoned again, as I noticed on the portal that they required further information - vet records. When I spoke to the CS Rep, I advised that my dog was adopted, and asked why RSPCA did not request further information via email, which I could easily provided quicker that over a week of processing. The CS REp, was very helpful, and I scanned my documents and sent via email. He then confirmed they have received it, and will pass onto Claims Assessor for processing. A few days after this, I received in the mail, a letter requesting this information. I would like to know why this was not emailed to me or even phoned me for this information. Less paperwork been sent out (environmental), quicker processing of claim, and better customer service. Whilst I am very happy I received the refund earlier this week, I would like this to be noted on how this was processed and dealt with, did not get any confirmation that Claim was being processed (via email - 2nd phone call to CS I received a SMS notification). I am more than happy to provide further information required. Happy to also note that Alvin is doing very well. Thank you Carolyn
|Annual Benefit Limit||$11,000|
|Amount of Vet Bill Covered||Up to 60%|
|Minimum Pet Age||8 weeks|
|Accidental Injury Cover||Included|
|Routine Care Cover||Not Included|
|Emergency Boarding Fees||$500|
|Cooling Off Period||30 Days|
|Cruciate Ligament Conditions||Included|
|Waiting Period for Illness||30 Days|
|Condition Limit||$2,000 per condition (General Accident & Illness Cover only)|
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