RAC award-winning pet insurance

Person sitting on floor with dog, looking up pet insurance policies on laptop.

RAC has a long history of providing car insurance to Aussies, along with services like roadside assistance. So, yes, the company’s name – Royal Automobile Club of Western Australia – is rather apt. But did you know that it also offers pet insurance

Well, it does and it’s officially award-winning! RAC’s Pet Insurance plan has scooped up an impressive three Mozo Experts Choice Awards for Pet Insurance^, alongside the title of  Western Australia's Best Pet Insurance.

“To assess the value of individual pet insurance policies, we compared the affordability of plans with how much cover they offer,” Mozo Expert Judge, Peter Marshall said. 

“Across the different coverage levels, we were very impressed with what RAC offers and the price they offer it for. Considering how it stood out in its home state, we concluded that RAC should also be crowned the best in its class in Western Australia.”

A little about RAC’s history

With over a century’s worth of automobile safety experience, it would be an understatement to say that RAC has a long history. The WA-based insurance provider isn’t all about cars now either, as it also offers home insurance, health insurance, life insurance, bicycle insurance and of course pet insurance.

RAC’s awarding-winning pet insurance plans*

The two main levels of RAC’s pet insurance policy picked up independent awards in the Mozo Experts Choice Awards^ this year. 

The standard RAC Pet Insurance cover received an Exceptional Value Accident and Illness Pet Insurance award, while RAC Pet Insurance + TLC Cover took home awards for Exceptional Value Comprehensive Pet Insurance and Exceptional Quality Pet Insurance.

To compare plans for the Exceptional Value Awards, our experts gathered numerous online quotes for dogs and cats of different ages and breeds. 

For dogs in particular, breed has a significant impact on price. So to get a better idea of price ranges for our canine companions, our experts collected quotes for several of the most common breeds of dogs at different ages. Policies with less than $15,000 worth of annual cover were not considered.

For the Exceptional Quality Awards, only the policies with the most generous benefits and flexible options were considered, regardless of price. Our Expert Judges were on the lookout for numerous policy points as criteria for these awards, including policies covering dental, medical scans, hip surgery and replacement, tick paralysis and routine care.

RAC Pet Insurance provides cover for cats and dogs. Key features of the standard  policy include:

  • $12,000 annual benefit limit
  • Cover for up to 80% of eligible vet costs
  • Accidents and injuries
  • Serious, chronic and common illnesses
  • Emergency boarding up to $1,000

When you take out the more comprehensive Pet Insurance + TLC Cover, you can get all these same features plus up to $100 each year for your pet to receive preventative healthcare treatments. This includes things like de-sexing, vaccinations, micro-chipping, teeth cleaning, alternative therapies, vet-prescribed food, council registration fees and health check-ups. You also won’t have to pay an excess when you make a claim on this benefit.

As with most pet insurance policies, you will have to take out a plan for your pet pooch or kitty before they turn nine, as it can be harder to find coverage for older pets. Most pet insurance policies will not provide cover for pre-existing medical conditions. However, with RAC you can complete a form and, depending on your pet’s individual circumstances and the state of the condition, the pre-existing conditions exclusion may be waived.

Finally, it is always a good idea to read the RAC Product Disclosure Statement (PDS) thoroughly before signing up for further details on inclusions, exclusions, claims and other costs.

What are the Mozo Experts Choice Awards?

Going strong for the past eight years, the Mozo Experts Choice Awards are designed to highlight financial products in the marketplace that we believe offer Aussies great value. These awards are assessed by our team of data experts and cover everything from home loans to credit cards.

As with all our insurance awards, the two main awards categories for the pet insurance awards are Quality and Value. For our Exceptional Value awards, our experts seek out plans with the most competitive prices for the main features offered. For our Exceptional Quality awards, it’s all about generous and flexible policy inclusions. 

Check out our 2021 Pet Insurance Awards methodology report to read more about how the winners are determined.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

^See information about the Mozo Experts Choice Pet Insurance Awards