Your Insurer is Hollard, RSPCA are an on-seller (they term them partners or Authorised Representatives (AR)). RSPCA receive a small portion of your first year premiums for allowing them to be used in this way. If you try to change policies (which moving to another on-seller is doing) then they (talking about Hollard here) apply the pet type, age, and pre-existing problems criteria to whether they will allow a new policy.
This issue has raised it’s head here several times and it is often around the same company, Hollard. CHOICE has given the industry a Shonky, yet even some CHOICE subscribers sadly continue to use this industry and then raise the issue here that they have received a bad deal. I think in some ways CHOICE are dammed if they do and damned if they don’t. Some members want a warning that is public, well it is public. Some still want some sort of detailed review of the policies, CHOICE reviews the industry and policies and are still accused of not being involved in making people aware of the Shonkiness of the industry or the full detail of every policy (why recommend a policy that whose Industry, CHOICE doesn’t trust nor support and has made clear is a Shonky Industry). Sometimes it is difficult to find a common ground that everyone is happy with. From reading many of the posts made over a few years about the industry, and writing responses to some of them, it has become crystal clear this is an Insurance to avoid and yet, people continue to not avoid it.
There are others (actual insurers) out there but they are hard to find.
FYI some of the commentary on this site:
Hollard Insurances and Underwriting - Money - Community (choice.community)
BUPA Pet Insurance gouging ageing dog premiums! - General - Community (choice.community)
RSPCA Pet Insurance Shonky - SpotAShonky - Community (choice.community)
Privacy issues and Woolworths pet insurance PDS - Money - Community (choice.community)
Pet Insurance rip off - Money - Community (choice.community)
