RSPCA Pet Insurance Ultimate Plus Accident & Illness Cover

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.

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

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

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.

I have queried as to why my premium jumped from $52 to $69 a fortnight and was told it’s standard practice due to a variety of data based on dog age, breed etc. I have not claimed anything since joining and felt this to be exuberant especially given that I cannot afford the hike and was suggested taking a lower coverage, which I did asked to do.… Read more

However, nothing changed and when another payment was taken from my account, I contacted customer service again via email to say that it’s unacceptable. I’m hearing impaired and do not want to discuss anything over the phone which can lead to miscommunication and thus did not return the call of the sales person who wanted to discuss further options with me.

I emailed back and asked to please communicate via email and explained my reason why but instead got an email back again from “Ton” at customer service telling me “Please be advised that changing Level of Cover can only be done over the phone as we will need to read you Terms and Conditions for changing the coverage.” Which I find really odd given the next line in the email reads as “You can save time and manage your policy online by using our secure Pet Portal to submit and view claims, catch up on payments, update details and more! Log in to your existing Pet Portal here or sign up for an account here. We’re here for you and your fur-baby.” Logging into the portal, there is no option to lower the cover, hence I’ve send another email stating that I will be available at a certain time for the call and would arrange for hearing assistance. However, nothing changed, no one called at the time I was able to, or in the days since, there is also no return email.

This is seriously unacceptable and discriminatory behaviour and I am so disappointed in this coming from the RSPCA that I wanted to support.

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

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

was very nice and very helpful and was happy to answer any questions – very straight forward and explained really well went through every thing step by step Show details ·  1

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.

We started our insurance just over 4 years ago when we got our golden retriever puppy. It has gone from $70 per month to $170 !!! Outrageous price gouging if you ask me….time to change. Show details

Last years increase of 31% was bad enough but this year they've outdone that. 35% increase with not a single claim made. I don't know what planet the underwriters are living on but they certainly aren't living on the same planet as my vet whose costs have only increased by just over 12% in the same timeframe. Why can't the insurers who offer Pet… Read more

Insurance offer a No Claims bonus like they do for car, house & contents etc. They know that with an older dog the choices are either put up with exorbitant price increases, take up another policy that still costs a lot but covers nothing or have zero cover. It's called gouging and it is unconscionable behaviour.

Highly recommend – Great value policy, so easy to set up on line. Couldn't be happier with the price and the claims process was quick and easy.. Highly recommend rspca insurance Show details ·  2

I’ve been with RSPCA pet insurance for my Corgi the last 3 years since she was a puppy. I can’t fault them with their prompt payment on any claims I’ve made (mainly for grass allergy medication) during that time. However unfortunately I have felt the need to discontinue my policy for my dog due to the rise in the cost of the yearly policy. It has… Read more ·  1

doubled in that time. When I called to discontinue the policy, Kai (from RSPCA Insurance) was extremely understanding & not at all forceful about me needing to continue with it. Instead she gave me 3 months of free insurance while I reconsidered keeping the policy going. She also suggested other insurance alternatives that RSPCA offer that I hadn’t considered. I am very happy with RSPCA, so if you have the budget, please use them. You won’t be disappointed. Thanks Kai for your care and interest in my case.

I just w ant to say that I will always be so happy I have RSPCA. I no longer have fear anything will go wrong with my beloved bracha, because RSPCA is always there to help when things unexpectedly happen. Thank you RSPCA. Show details ·  2