Based on 618 RAC product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

RAC pet insurance

RAC pet insurance policy options

Cover information and limits in the table below verified as correct at 16 June 2024. Other information correct at the time of writing. Advertiser disclosure. Important information on terms, conditions and sub-limits.


Thinking about taking out pet insurance? Here’s everything you need to know about RAC’s pet insurance policy.

It is also important to note that RAC was a winner of two 2023 Mozo Experts Choice Pet Insurance Awards. RAC took out an award in the Exceptional Value Accident and Illness Pet Insurance category and the Exceptional Value Comprehensive Pet Insurance category.

About RAC

RAC Insurance Pty Ltd is an Australian Financial Services Licensee and general insurance company. RAC’s pet insurance policies are issued by RACQ Insurance Limited.

RAC  Pet Insurance

RAC pet insurance can be taken out to help you pay eligible medical bills for your dog or cat. RAC makes it easy by only having one pet insurance policy.

With RAC, you can only take out a new insurance policy on a pet aged between 8 weeks and 9 years. If your cat or dog is over 9 years old, you can’t start a new policy; however if they are already insured when they reach 9 years old, they will still be covered. 

RAC’s pet insurance policy also comes with a 28 day cooling off period which starts from the date and time the policy is issued.

What is included in RAC’s pet insurance policy?

RAC’s pet insurance policy covers a range of benefits such as accident and illness cover.

You can compare the features of a RAC's pet insurance policy in the table above. Always read the terms and conditions before signing up: these can be found in the product disclosure statement (PDS).

What exclusions apply to RAC pet insurance?

There are some things that are not covered by RAC pet insurance. These include hospital costs if your vet doesn’t recommend your pet goes to hospital or elective treatments.

RAC also does not cover any pre-existing conditions, however there are some instances in which they will waive this.

Be sure to read the PDS to find out about any other exclusions under this policy.

How can I make a claim with RAC pet insurance?

If you need to make a pet insurance claim, you can do it by following the steps provided on the RAC website. You will have to provide original itemised invoices or receipts with your claim.

Can I cancel my RAC pet insurance?

Yes, you can cancel your policy at any time including during the cooling off period. To cancel your policy, you can either call or email. The cancellation will take effect from the date RAC received your request or another date that you requested if agreed upon by RAC.

If you cancel your policy, you will be refunded the portion of your annual premium that relates to the remaining period of insurance.

FAQ's about RAC pet insurance

What do I do if my pet gets sick or injured?

If your pet gets sick or injured, be sure to get them the help they need from a vet or emergency clinic. Once you have dealt with this, you can make a claim through RAC.