RSPCA Pet Insurance — PetShield Core

PetShield Core is the simplest tier of RSPCA's fixed-plan range: an $11,000 annual limit reimbursed at 60%, with no excess and no sub-limits. Entry is generous, running from six weeks to nearly 16 years. Specified accidental injuries are covered immediately, illness claims open after 30 days, and the six-month cruciate wait can be waived after veterinary assessment. Pacific International issues the policy through RSPCA Pet Insurance, and premiums contribute to the charity's animal welfare work across Australia.