RSPCA Pet Insurance is positioned for charity-backed comprehensive cover; Petplan Australia is positioned for ongoing conditions. Neither is cheaper in every case — the deciding factors are your dog's breed risk, whether you want routine care included, and the payout cap. Run both quotes on the same reimbursement percentage and deductible before comparing prices.
Independent · not an insurer| RSPCA Pet Insurance | Petplan Australia | |
|---|---|---|
| Best for | Charity-backed comprehensive cover | Ongoing conditions |
| In their words | Accident, illness and comprehensive tiers; part of every premium supports the RSPCA. | Covered For Life plans that keep covering ongoing conditions year after year. |
| Stands out for | charity-backed | accident & illness cover |
| Market | 🇦🇺 Australia | 🇦🇺 Australia |
Positioning is taken from each company's own public description. We do not hold either insurer's rate cards, so this page compares cover and fit, not quoted premiums.
Whichever you pick, this is the shape of a serious claim year in Australia.
| Big claim | Worst-case bill | You pay at 80% | You pay at 90% |
|---|---|---|---|
| ACL / Cruciate Repair (TPLO) | A$7,600 | A$1,900 | A$1,190 |
| Foreign Body Surgery (swallowed object) | A$5,700 | A$1,520 | A$1,000 |
| Cancer Treatment (chemo course) | A$14,250 | A$3,230 | A$1,850 |
| Dental Cleaning with Extractions | A$3,325 | A$1,045 | A$760 |
Assumes a A$475 annual deductible, one claim year, AUD. Every insurer prices and excludes differently — check the policy wording.
1. What can you absorb in cash? If a A$7,600 bill would go on a credit card, the payout cap matters more than the monthly saving.
2. What is your breed prone to? Breed-specific conditions drive most claims. Our breed pages list the ones to expect.
3. How old is your dog today? Both insurers exclude pre-existing conditions, so the value of any policy peaks the week you bring the dog home.
Accident, illness and comprehensive tiers; part of every premium supports the RSPCA.
Get a quote →Covered For Life plans that keep covering ongoing conditions year after year.
Get a quote →RSPCA Pet Insurance suits owners who want charity-backed comprehensive cover. Petplan Australia suits owners who want ongoing conditions. For a high-risk breed the payout cap matters more than the monthly price.
Neither publishes a fixed price. Premiums in Australia move with breed, age, postcode and the reimbursement level you pick, so the only fair comparison is two quotes taken on the same day with the same settings.
The worst acl / cruciate repair (tplo) bill we model is A$7,600. At 80% reimbursement after a A$475 deductible you would still be out roughly A$1,900.
No. Every mainstream pet insurer in every market we track excludes conditions that showed symptoms before the policy started or during the waiting period. This is the single biggest reason to insure early.
You can, but anything treated under the first policy usually becomes pre-existing under the new one. Switching is cheap for a healthy young pet and expensive for an older one.
Some insurer links are referral links, which never change your price. We are not paid to rank one insurer above another, and we do not have access to either company's internal pricing.