RACQ Pet Insurance 2025: Complete Australian Guide, Benefits & Drawbacks
Our expert's opinion on RACQ
RACQ Pet Insurance provides a single comprehensive cover for cats and dogs, featuring an 80% reimbursement rate (after excess), a high annual vet fee limit of $12,000 per pet, and the availability of an optional $100/year Tender Loving Care (TLC) budget for preventive treatments and select alternative therapies.The streamlined plan and healthy maximum limits position RACQ as one of the more straightforward yet robust offerings among traditional Australian mutuals, generally outpacing budget insurers in coverage scope but lacking some niche flexibility of online-first brands.RACQ is well suited for owners seeking high annual limits for either young or mature pets, particularly those with breeds susceptible to high vet costs, but less suited to owners needing large-scale wellness features or coverage for pre-existing and hereditary conditions.A member-based Queensland institution, RACQ has strong financial roots; while public figures for revenue/premiums are undisclosed and Trustpilot metrics specific to pet insurance are not available, the brand is regarded for responsive claims support via store, email, and phone, with observed claim processing typically within industry norms of around 10–20 business days.
- ✅High $12,000 annual limit per pet
- ✅Simple, single plan structure with 80% reimbursement
- ✅Optional TLC benefit: $100/year for wellness, no excess
- ✅Emergency boarding cover up to $1,000
- ✅Coverage abroad (NZ, Norfolk Island, 60 days max)
- ✅Lifelong cover for chronic conditions if renewed
- ✅Accessible member support via multiple channels
- ❌No 24/7 telehealth or virtual vet consultations
- ❌No cover for most hereditary or some breed-specific conditions
- ❌Routine/preventive care only with optional TLC add-on
- ❌Many exclusions (dental, behavioural, breeding, grooming, etc.)
- ❌Digital processes but not fully paperless or instant
Score- ✅High $12,000 annual limit per pet
- ✅Simple, single plan structure with 80% reimbursement
- ✅Optional TLC benefit: $100/year for wellness, no excess
- ✅Emergency boarding cover up to $1,000
- ✅Coverage abroad (NZ, Norfolk Island, 60 days max)
- ✅Lifelong cover for chronic conditions if renewed
- ✅Accessible member support via multiple channels
Our expert's opinion on RACQ
- ✅High $12,000 annual limit per pet
- ✅Simple, single plan structure with 80% reimbursement
- ✅Optional TLC benefit: $100/year for wellness, no excess
- ✅Emergency boarding cover up to $1,000
- ✅Coverage abroad (NZ, Norfolk Island, 60 days max)
- ✅Lifelong cover for chronic conditions if renewed
- ✅Accessible member support via multiple channels
- ❌No 24/7 telehealth or virtual vet consultations
- ❌No cover for most hereditary or some breed-specific conditions
- ❌Routine/preventive care only with optional TLC add-on
- ❌Many exclusions (dental, behavioural, breeding, grooming, etc.)
- ❌Digital processes but not fully paperless or instant
Score- ✅High $12,000 annual limit per pet
- ✅Simple, single plan structure with 80% reimbursement
- ✅Optional TLC benefit: $100/year for wellness, no excess
- ✅Emergency boarding cover up to $1,000
- ✅Coverage abroad (NZ, Norfolk Island, 60 days max)
- ✅Lifelong cover for chronic conditions if renewed
- ✅Accessible member support via multiple channels
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialist reviews the terms and pricing of Australian policies every year to offer you reliable and unbiased advice. Thanks to this thorough approach, thousands of Aussies trust us each month to help them make their most important financial decisions.
RACQ Guarantees
To find the cheapest rate, compare the RACQ base policy and TLC option to see which best matches your pet’s needs.
RACQ provides a single comprehensive pet insurance plan for dogs and cats, with coverage for accidents and illness and an optional "Tender Loving Care (TLC)" add-on for wellness/preventive care.
The plan covers 80% of eligible vet costs with a $12,000 annual benefit cap per pet, annual sub-limits for key conditions, and a modest excess (see your certificate); TLC covers $100/year for selected preventive and alternative care at 100% with no excess.
Key strengths of RACQ include generous annual limits, coverage for hereditary conditions, and quick eligibility from just 8 weeks of age, while the TLC benefit supports wellness, dental cleaning, and alternative therapies for proactive owners.
Main weaknesses are notable exclusions (many dental, routine, and behavioral conditions are out unless TLC is added), multiple yearly sub-limits, and no civil liability coverage or protection for theft/loss of the pet.
| Name of coverage | RACQ Base Policy | RACQ TLC Optional Add-on |
|---|---|---|
| Plan positioning | Comprehensive illness + injury | Preventive + alternative care add-on |
| Type of coverage (accident, illness, both, etc.) | Both (accident & illness) | Preventive/alternative wellness only |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 80% | 100% for TLC items |
| Annual reimbursement limit | $12,000 per pet | $100/year extra |
| Deductible (annual or per claim) | As per certificate; excess applies | $0 on TLC items |
| Age limits for enrollment (for dogs and cats) | 8 weeks to | 8 weeks to |
| Pre-enrollment health questionnaire | Not required | Not required |
| Waiting period (illness) | 21 days | No waiting period specified |
| Waiting period (accident) | None | Not applicable |
| Lifetime coverage once subscribed | ✅, with continuous renewal | ✅, with continuous renewal |
| Vet consultations (regular + emergency) | ✅, for covered conditions | ✅, if included as wellness item |
| Medications | ✅, for covered events | ✅, prescribed vet diets/meds only |
| Hospitalization | ✅, for covered events | ❌ |
| Surgery (including anesthesia) | ✅, for covered events | ❌ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅, for covered events | ❌ |
| Dental care (includes scaling and procedures) | Only dental from accident; TLC: scaling/cleaning | Scaling/cleaning (annual, up to $100) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌; TLC add-on for some items | Desexing, microchipping, vax, check-up, limited items (up to $100/year) |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ unless via TLC option | Acupuncture, laser, chiro, etc. (within $100/year) |
| Travel coverage (countries included, duration) | NZ, Norfolk, up to 60 days | ❌ |
| Civil liability | ❌ | ❌ |
| Euthanasia | Essential, vet-recommended only (80%) | ❌ |
| Death & cremation coverage | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | Up to $1,000/year (≥5 days) | ❌ |
RACQ Policy Limits and Coverage Details
RACQ sets an annual limit of $12,000 per pet and applies important sub-limits for cruciate ligament surgery ($2,600/year), brachycephalic airway syndrome ($2,000/year), and only one covered foreign object ingestion event per policy year.
The TLC option does not increase the overall $12,000 limit but is paid in addition for eligible services (wellness/alternative therapies) up to $100/year, with zero excess.
Dental illness is only covered as trauma (except annual teeth cleaning via TLC); elective and routine dental procedures are all excluded unless completed preventively under TLC.
Essential euthanasia is only covered if recommended by a vet as a welfare measure for a covered condition; cremation/death and loss/theft are never reimbursed.
RACQ Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Behavioural exclusions |
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| Dental exclusions |
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| Breeding & reproductive exclusions |
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| Cosmetic & elective procedures |
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| Alternative therapy exclusions |
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| Occupational & sports use exclusions |
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| Identification, documentation & compliance |
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| Accessories, devices & genetic exclusions |
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| Geographic exclusions |
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| General exclusions |
|
- Pre-existing conditions (unless >18 months clear and not incurable)
- Illness caused by lack of required vaccination
- Patella luxation, elbow dysplasia, IVDD
- Declared pandemic diseases
- Endo/ectoparasite (except paralysis tick)
- Food allergies and dietary intolerances
- Any treatment not recommended by a vet
- Any condition or symptom during waiting period
- All behavioural conditions (anxiety, phobias, aggression, compulsive behaviours, hypersexuality)
- Training and behavioural modification
- Socialisation
- Routine, preventive, or elective dental (scaling, cleaning, extractions except accidental trauma or via optional TLC benefit)
- Dental illness not caused by covered accident
- Breeding, pregnancy, obstetric care, whelping, and all related conditions
- Cosmetic, voluntary, non-essential or elective surgery or treatment
- Grooming, bathing, clipping, nail trimming
- Any alternative therapy unless covered by TLC and within annual TLC sub-limit
- Veterinary care for pets used for commercial, occupational, working, security, hunting, or sporting purposes
- Lack of compliance with preventive care, vet advice, or recommended vaccination
- Failure to meet basic needs of the pet (housing, food, water)
- Pet accessories (clothing, bedding, collars, leads, cages)
- Genetic testing, attachment of artificial devices, transplants, and prosthetics
- Any care/treatment outside Australia, NZ, or Norfolk Island
- Overseas stays >60 days
- Indirect, consequential, or economic losses
- Illegal activities, neglect, cruelty
- Board/transport (other than covered emergency boarding)
- Ambulance fees
- Expenses for claims past policy end by more than 30 days
- Unapproved medication/therapy
RACQ Prices
RACQ sits in the mid-range of the Australian pet insurance market, offering a balance of solid reimbursements (80%), moderate annual limits ($12,000), and reasonable out-of-pocket costs, especially when compared to premium competitors.
The plan is not the cheapest, but its comprehensive accident and illness cover, relatively low excess, and option for a modest preventive care add-on (TLC) justify a slightly higher monthly premium compared to basic providers. RACQ is not a pure digital insurer, but leverages efficient customer service channels and stable, transparent terms, making it attractive for owners prioritising strong cover with predictable costs.
While large vet fee limits and cover for chronic conditions are standout advantages, annual sub-limits and exclusions may limit value for some complex cases or multi-pet households. RACQ is best for responsible pet owners wanting comprehensive but not top-end cover, at a stable, mid-tier price point.
Compare RACQ plans below to find the most affordable option for your pet’s profile.
| RACQ Pet Insurance | |
|---|---|
| Young cat (2–4 years) | $29/month |
| Senior cat (7–8 years) | $44/month |
| Small breed dog | $33/month |
| Small breed dog (2–4 years) | $33/month |
| Large breed dog (2–4 years) | $48/month |
| Senior dog (7–8 years) | $67/month |
RACQ Promo Codes
| RACQ Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What RACQ reimbursement can I expect?
Reimbursements with RACQ’s highest-tier plan work by first subtracting your annual excess from the eligible vet bill, then applying the 80% reimbursement rate, so you pay only a portion of the actual cost.
Cruciate Ligament Surgery Reimbursement Example
Cruciate ligament surgery Total vet costs: $2,500 Deductible amount to subtract: $100 annual excess Amount reimbursable: $2,500 – $100 = $2,400 80% of that amount reimbursed: $2,400 × 80% = $1,920 You receive a reimbursement of $1,920. ℹ️ The $2,600 sub-limit per year for cruciate ligament surgery has not been reached in this example.
Emergency Hospitalization Reimbursement Example
Total vet costs: $3,200 (4 nights, diagnostics, medication)
Deductible amount to subtract: $0 (annual excess already paid for previous claim)
Amount reimbursable: $3,200 × 80% = $2,560
👉 You receive a reimbursement of $2,560.
ℹ️ Once your annual excess is met, subsequent eligible claims for the year are reimbursed without further excess deductions until renewal.
Annual Teeth Cleaning (TLC option)
Total vet costs: $185
Deductible amount to subtract: $0 (TLC wellness benefit has no excess)
TLC benefit covers up to $100/year at 100% reimbursement: you get $100 back
Remaining out-of-pocket: $185 – $100 = $85
👉 You receive a reimbursement of $100 from RACQ under the TLC add-on.
ℹ️ Preventive dental like cleaning is only reimbursed under the TLC optional benefit, with its own annual cap and no excess.
RACQ Assistance
| Assistance RACQ | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No Payvet, Petcard, Carecredit or equivalent advance payment service offered. |
| Payment facilities | ❌ | Premiums payable monthly; no mention of special instalment/payment plans beyond this. |
| Mobile app | ❌ | N.C. No dedicated pet insurance mobile app described. |
| Paperless claims process | ✅ | Claims can be lodged via online portal or email. Fast, fully digital process is referenced. |
| Emergency vet service | ❌ | 24/7 emergency helpline or teleconsultation not mentioned in policy or support materials. |
| Vet/clinic partner network | ❌ | No network of partner vets or clinics referenced; can use any qualified vet in AU, NZ, Norfolk Island. |
| Coverage abroad | ✅ | Covered in NZ and Norfolk Island, up to 60 consecutive days per trip; AU cover always included. |
Customer Reviews of RACQ
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to RACQ for their pets often mention:
- A simple and clear claims process with straightforward documentation requirements.
- An accessible and knowledgeable customer service team available by phone and in-branch.
- Coverage that meets expectations for common treatments and emergencies.
- A stable and established Australian brand with a reputation for trustworthiness.
On the negative side:
- A reimbursement structure perceived as offering less value compared to some higher-tier competitors.
- The lack of a dedicated mobile app or 24/7 teleconsultation line, seen as a drawback for tech users.
- Strict stance on pre-existing conditions and restricted wellness/preventive cover cause disappointment for some.
- Absence of an advance payment feature, requiring members to pay vets upfront and await reimbursement.
- Coverage restrictions for some hereditary and chronic conditions can be a source of frustration for policyholders.
How to Contact the RACQ
| RACQ Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via racq.com/insurance, by email to [email protected], or in-store at any RACQ branch. Required documents: completed claim form, vet's invoice, payment proof. For follow-up, phone 13 7202 or use the online portal. Reimbursements are paid to your nominated bank account; processing typically takes several business days after all documents are received. |
| To obtain a certificate of insurance | Call RACQ on 131905 (7 days/week), email [email protected], or visit your local RACQ store. Be prepared to provide your policy details and identification for verification. |
| To contact assistance | For general inquiries or help, call 131905 any day, email [email protected], use click-to-chat at racq.com/login, or visit any RACQ branch during business hours. Postal address: PO Box 4, Springwood QLD 4127. |
| To cancel my policy | Phone 131905 or email [email protected] to request cancellation. Provide your policy number and written request (email or letter). No specific notice period mentioned; cancellation takes effect when processed. Any unused premium may be refunded if no claim has been made during the period. |
Required documents: completed claim form, vet's invoice, payment proof.
For follow-up, phone 13 7202 or use the online portal.
Reimbursements are paid to your nominated bank account; processing typically takes several business days after all documents are received.
Be prepared to provide your policy details and identification for verification.
Postal address: PO Box 4, Springwood QLD 4127.
Provide your policy number and written request (email or letter).
No specific notice period mentioned; cancellation takes effect when processed.
Any unused premium may be refunded if no claim has been made during the period.
FAQ
Do I have to pay upfront for veterinary fees with RACQ?
Yes, you will need to pay your vet directly at the time of treatment. RACQ does not currently offer an advance payment or third-party payment system for veterinary bills. After payment, you can lodge a claim with RACQ for reimbursement of eligible expenses.
How do I cancel my pet insurance policy with RACQ?
To cancel your RACQ pet insurance policy, you should contact RACQ by phone (131905) or email ([email protected]). There is no stated minimum notice period, but cancellation takes effect once processed. If you have not made a claim during your current policy period, any unused premium may be refunded. You will need to provide your policy number and a written request.
What does the base RACQ pet insurance policy cover?
RACQ pet insurance covers 80% of eligible veterinary expenses for illness and accidental injury, including consultations, diagnostics, medications, surgeries, and emergency boarding (if you are hospitalised for more than five days). Annual limits and sub-limits apply for certain conditions, such as cruciate ligament surgery and brachycephalic airway syndrome. Optional TLC cover is available for preventive care like teeth cleaning, vaccinations, and desexing with up to $100 annual benefit.
Are pre-existing conditions covered under RACQ pet insurance?
Pre-existing conditions are not covered by RACQ pet insurance. This applies to any illness, injury, or symptoms present before the policy start date or during the waiting period. In certain circumstances, if your pet has been symptom-free and treatment-free for over 18 consecutive months (and the condition is not incurable), RACQ may agree to waive the exclusion.
How do I claim reimbursement and how long does it take?
To make a claim, submit a completed claim form along with your paid vet invoice and payment receipts either online via racq.com/insurance, by email to [email protected], or in-store at an RACQ branch. Claims are typically processed within several business days once all documents are received and approved, and reimbursement is paid directly to your nominated bank account. You can track your claim’s status or request further assistance by calling 13 7202 or using the online portal.
Can I use RACQ pet insurance when travelling abroad with my pet?
Yes, RACQ pet insurance covers your pet for eligible vet treatment in New Zealand and Norfolk Island for trips up to 60 consecutive days, within existing benefit limits. Routine check-ups and travel/boarding costs are not covered. To claim, you must provide English translations of invoices if needed and ensure treatment is by a qualified vet.
Do I have to pay upfront for veterinary fees with RACQ?
Yes, you will need to pay your vet directly at the time of treatment. RACQ does not currently offer an advance payment or third-party payment system for veterinary bills. After payment, you can lodge a claim with RACQ for reimbursement of eligible expenses.
How do I cancel my pet insurance policy with RACQ?
To cancel your RACQ pet insurance policy, you should contact RACQ by phone (131905) or email ([email protected]). There is no stated minimum notice period, but cancellation takes effect once processed. If you have not made a claim during your current policy period, any unused premium may be refunded. You will need to provide your policy number and a written request.
What does the base RACQ pet insurance policy cover?
RACQ pet insurance covers 80% of eligible veterinary expenses for illness and accidental injury, including consultations, diagnostics, medications, surgeries, and emergency boarding (if you are hospitalised for more than five days). Annual limits and sub-limits apply for certain conditions, such as cruciate ligament surgery and brachycephalic airway syndrome. Optional TLC cover is available for preventive care like teeth cleaning, vaccinations, and desexing with up to $100 annual benefit.
Are pre-existing conditions covered under RACQ pet insurance?
Pre-existing conditions are not covered by RACQ pet insurance. This applies to any illness, injury, or symptoms present before the policy start date or during the waiting period. In certain circumstances, if your pet has been symptom-free and treatment-free for over 18 consecutive months (and the condition is not incurable), RACQ may agree to waive the exclusion.
How do I claim reimbursement and how long does it take?
To make a claim, submit a completed claim form along with your paid vet invoice and payment receipts either online via racq.com/insurance, by email to [email protected], or in-store at an RACQ branch. Claims are typically processed within several business days once all documents are received and approved, and reimbursement is paid directly to your nominated bank account. You can track your claim’s status or request further assistance by calling 13 7202 or using the online portal.
Can I use RACQ pet insurance when travelling abroad with my pet?
Yes, RACQ pet insurance covers your pet for eligible vet treatment in New Zealand and Norfolk Island for trips up to 60 consecutive days, within existing benefit limits. Routine check-ups and travel/boarding costs are not covered. To claim, you must provide English translations of invoices if needed and ensure treatment is by a qualified vet.
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