HI
I am a Vet Nurse and have my own dogs insured with RSPCA. I also know lots of clients who are insured with various companies so I know a fair bit about the insurance overall.
The insurance company that do RSPCA, also do insurance for AFS PetMed, Petsecure, Vets Own, and a couple of others. They all pretty much cover the same things.
Some have a condition excess but RSPCA do NOT, which I love.
I have just renewed my policy and found that they have recently got rid of all breed specific exclusions, and other general exclusions like hereditary and congenital problems, hip & elbow dysplasia, entropion & ectropion. As long as your pet doesn't have these conditions BEFORE you take out the insurance, they will now cover them. :D The only things they don't cover now are things like breeding, behavioural problems, anything elective, grooming, food and of course the conditions your pet has already had before you join. Some of them provide benefits towards routine care (like vaccinations etc) but not all.
So it is now HEAPS better.
I know a client who had insurance with Pet Plan but cancelled after their policy renewed as Pet Plan said they were no longer going to cover anything that the dog had in their first year of insurance!! They also have an excess every time you send in a claim. (important to look for that when you are shopping around).
With RSPCA you are covered for the condition up to a certain maximum no matter how many policy years it takes to reach it.
No matter who you go with, make sure you write down a lot of questions and call them up and ask!! But I can assure you that RSPCA (& the other products with the same policy) are most definitely worthwhile now that the exclusions have been lifted. I have no problem in recommending Pet Insurance to anyone. It has already helped me out a lot and I know a lot of our clients are very grateful for it also.
