Made a number pet insurance claims over a period of two years for two surgeries and related expenses. All were approved without issue.

Received an email (that was literally one line long) advising that the policy had been cancelled due to multiple claims being made on the policy.

Spoke with RACQ who advised that they have a paragraph in their disclosure that says they can cancel their policy at any time with notice to the customer. The representative confirmed that my policy was cancelled as they considered that too many claims had been ...Read more

There are a large number of exclusions that have rendered this almost pointless to have. When my one year old dog had an accident requiring a hip replacement, no aspect of this was covered. While it's not unusual for the prosthetic itself to not be covered, this policy covered no part of the surgery, hospitalisation or recovery at all. Ironically it would probably have covered a femoral head excision, which would likely have crippled my large dog for life. It also doesn't cover protozoan gastrointestinal infections (like Giardia), although it w...Read more

I usually don't write reviews.. but this was next level terrible. I have worked in customer service and appreciate that sometime you have an off day. The last thing you need is someone getting online and writing a review. But in this case, I felt that its necessary to warn people.

I called to ask a single basic questions regarding my dogs cover. A yes or no question. I eventually was put through to the claims department. I won't name names but the lady was incredibly rude and controlling of the conversation. I asked her on numerous occasio...Read more

Signed up for pet insurance ( I was hesitant to change from my current provider RSPCA) as was slightly cheaper. I changed my mind, and decided to cancel before the first 30 days. Would not refund my payment - said cooling off period was 21 days (apparently not business days - called as soon as Easter break was over) too bad they make an easy $110 for doing absolutely nothing at all. Given a lot of the other reviews on here, I may have escaped with minimal casualty though! Very annoyed, but better to have lost a little money now than finding out...Read more

I have had my pets (past and present) insured under our Home and Contents for around 8 years. This happened after a disastrous stay at kennels where one ended up with bloat, the other with an ear infection. Vet billed huge.

I have stayed with ever RACQ since. Yes, my premiums went up and we had additional conditions added that bumped our excess up dramatically to $450 for a period. Whilst this was a shock, our family have continued to insure with RACQ for the safety net this insurance provides.

Year upon year they have been there. S...Read more

Not good value. They get you to apply for the policy online to wave a discount under your noise. But when it come down to making a claim they decline it due to a waiver that was not signed. If I knew about the waiver I would have signed it. On the 5/4/2017 I was made redundant and I'm still unemployed. Finding it hard to find employment. On the 18/04/17 my dog hurt her leg. I contacted the RACQ regarding the 6 month waiting period. I was under the consumption that the lady I spoke to said that I should be ok and go have the leg seen to ...Read more

We changed over to RACQ after RSPCA doubled the premium. We recently made a claim for surgery on our dogs back legs, however, the claim was denied as the report we got from the RSPCA when we bought her 8 years ago mentions a Luxating Patella, so they used this as a pre-existing condition. While not happy about it, we accepted that they are an insurance company and will try and get out of a claim if they can. The kicker was they went through the pet history and added every little incident including one-offs and consultation reasons as pre-existi...Read more

BE WARNED! Before you upgrade from the Pet Insurance that goes along with your house and contents to the Comprehensive Pet Insurance... check what it covers! They are not the same!
I upgraded to comprehensive pet insurance thinking I would be better off. I had made claims with my previous policy when my dog had a tick. I'd found the process very easy and been very happy with it, the only downside being that it only covered up to $500. When I tried to make a claim on my new policy, it was a complete nightmare. They drowned me in paper work wa...Read more

RACQ's coverage and premium (around $8.50 per month for me, as part of my contents insurance) is very competitive. The claims process has, at times, been paperless -- I have just called and provided the vet invoice details.When my dog passed away, the staff expressed genuine sympathy. RACQ has real human beings working for them. I have tried another insurer, PetPlan, for my new puppy, and been incredibly disappointed with their premium increases (24.5% leap) when I have made no claims. My pup has now been placed onto my insurance with RACQ and ...Read more

Ended up at emergency vet - spent $800 & RACQ refunded $450, minus excess. Claim was very easy to make; just did it over the phone & RACQ did the rest. Would love it if RACQ offered options for higher cover. For the price you pay (around $50 a year I think) the service & return is well worth it. Fantastic for unexpected trips to the emergency vet. Probably not the best option if your pet needs ongoing expensive vet care or is in need of surgery, but some cover is better than none, and RACQ's option is much more affordable than 95% of the insura...Read more

I have just spent the last hour looking up pet insurance for our new pup. This site has been very interesting. I have been with RACQ for house, contents, cars, pets. Insured our dog for the last 10years. RACQ has always been good for every claim. I read the fine print and asked questions. Staff always helpful and understanding. My dog died 2 weeks ago and when I rang to cancel policy they were very thoughtful. I knew I couldn't claim as it was an existing condition. I have made claims for skin allergies and heart condition. Downside is i...Read more