OSRS pet insurance now costs 0 GP for most pets. Since September 10, 2025, pets have been automatically insured when you obtain them, and Probita charges nothing to reclaim an insured pet after you lose it. You no longer need to budget for an upfront fee or ongoing insurance payments.
Pet cats are the main exception. They follow separate mechanics and can still be lost on death. Understanding the current rules helps you protect rare pets such as Rocky, Phoenix, and other skilling pets without wasting GP on outdated insurance advice.
Key Takeaways
- Most OSRS boss and skilling pets now cost 0 GP to insure: they are automatically insured when obtained and can be reclaimed from Probita for free after a qualifying death. There is no recurring insurance premium.
- The free insurance system began on September 10, 2025. Unused GP-purchased reclaim tokens were refunded, while free tokens earned from duplicate pet drops were not.
- Pet cats are the main exception and follow separate mechanics, meaning kittens, grown cats, and overgrown cats can still be lost on death and are not covered by standard Probita insurance.
- Free insurance only restores eligible pets; it does not protect your gear, supplies, or account from dangerous death situations. Dismiss pets before risky activities, especially in the Wilderness, PvP areas, or unfamiliar boss encounters.
Introduction To OSRS Pet Insurance Cost
OSRS pet insurance currently costs 0 GP for most boss and skilling pets. Pets are automatically insured when you obtain them, so you do not need to visit Probita or pay an upfront fee. If you lose an insured pet after dying, you can reclaim it from Probita for 0 GP. This matters because pets such as Vorki, Skotos, and the Rift guardian can represent hundreds or thousands of hours of effort, even though they have no tradeable market value.
Insurance does not prevent your pet from disappearing when you die, but it gives you a safe way to get the pet back afterward. You should still understand OSRS death mechanics and avoid taking a valuable pet into dangerous areas without knowing how reclaiming works. Cats follow different rules and are not covered by the standard free pet insurance system. A kitten or cat can be lost through its own death mechanics, so check how cat loss and replacement work before taking one into danger.
Current OSRS Pet Insurance Cost
As of September 2026, the OSRS pet insurance cost for most pets is 0 GP. Your pet is automatically insured when you receive it, so you do not need to pay an upfront fee to protect valuable drops such as the Kraken pet or Rocky. If you die and lose an insured pet, you can reclaim it from Probita for 0 GP. There is also no recurring premium, so keeping your pet insured does not drain your bank over time.
This free reclaim system began with the Poll 85 update on September 10, 2025. Any unused reclaim tokens purchased before the change were refunded, although free reclaim tokens earned from duplicate pet drops were not reimbursed. Pet cats are the main exception because they follow separate mechanics and are not covered by this insurance system. You should still protect your account and understand death mechanics, since insurance only helps you reclaim an eligible pet. It does not protect other items or supplies.
Probita Reclaims And Insurance Tokens
Probita makes the OSRS pet insurance cost effectively 0 GP for most pets. Since the Poll 85 changes on September 10, 2025, newly obtained pets have been automatically insured, and Probita charges nothing to reclaim a lost insured pet. If you lose a skilling pet or boss pet after death, visit Probita to recover it without paying an insurance fee. Pet cats are the key exception because they follow separate rules and can still be lost on death.
Older reclaim tokens need a little more explanation if you held them before the change. Unused tokens purchased with GP were refunded, so you did not lose money when the free reclaim system replaced them. However, free reclaim tokens received from duplicate pet drops were not reimbursed because they did not cost you anything to obtain. You should still protect valuable pets by learning the relevant death mechanics, but most OSRS pets no longer have a reclaim cost after you lose them.
Cats And OSRS Insurance Exceptions
Pet cats are the main exception to OSRS’s standard free pet insurance system. Kittens, grown cats, and overgrown cats obtained through Gertrude’s Cat are not automatically insured through the usual pet system, so the 0 GP insurance and reclaim cost do not apply to them. Cats can still be lost when you die, especially if you bring one into dangerous content. Do not assume that Probita can protect or return a cat like a regular insured pet. If your cat is important to you, keep it safe and be prepared to obtain another one through the normal cat mechanics.
This differs from valuable boss pets such as the Kraken pet and skilling pets such as the Beaver. Those pets are covered by the standard system, which means they are automatically insured when received and can be reclaimed for 0 GP after a death. A cat may follow you around Gielinor, but it is treated as a separate type of follower rather than an insured boss or skilling pet. Before entering a risky area with a kitten, overgrown cat, or another pet cat, check your setup carefully so you do not mistake companionship for insurance.
Pet Death Mechanics And Account Safety
OSRS pet insurance costs 0 GP for most pets because they are automatically insured when you obtain them, and Probita charges no fee to reclaim a lost insured pet. That protection does not make every death safe. If your pet is following you into the Wilderness, a dangerous boss fight, or another high-risk activity, dying can leave you dealing with item recovery, a risky escape, or a second death. An insured pet is normally reclaimed from Probita, so you should not need to return to the original death spot. However, insurance does not protect the items you carried or fix an unsafe account situation.
Dismiss your pet before activities where a death or disconnect could create extra danger, especially when you are learning a boss or entering a PvP area. Your pet is not an item protected by the normal three-item system, a gravestone, or Death’s Office, so do not assume it will appear with your recovered gear. Check the death screen carefully, learn how item recovery works in that activity, and avoid rushing back if your supplies or route are not safe. In the Wilderness and PvP areas, item-loss rules can be harsher, which makes prevention more useful than relying on a later reclaim.
When you obtain a new boss or skilling pet, remember that most OSRS pets are covered automatically under the current system. You do not need to pay an insurance fee or recurring premium. You can still speak with Probita if you want to confirm the pet’s reclaim status before taking it into danger. Cats are the important exception because they use separate mechanics and can still be lost on death, so keep a cat dismissed when you are taking risks. Treat every new pet as valuable until you have confirmed which rules apply to it.
Conclusion On OSRS Pet Insurance Cost
For most OSRS pets, the current pet insurance cost is 0 GP. Your pet is automatically insured when you obtain it, and Probita charges nothing when you reclaim it after a qualifying death. There is no recurring premium, so you do not need to budget for future insurance payments while hunting valuable pets such as the Kraken pet, Rocky, or Chompy chick.
Cats are the important exception because they follow separate mechanics and are not covered by the automatic pet insurance system. A cat can still be lost on death, so check the rules for your specific cat before taking it into dangerous content. Before claiming a valuable pet or returning to a boss, learn how that pet behaves on death, where it can be reclaimed, and which areas may put it at risk. Knowing these details costs nothing and can help you avoid losing a rare reward through an avoidable mistake.
OSRS Pet Insurance Is Now Free
For most Old School RuneScape pets, the OSRS pet insurance cost is now 0 GP. Pets are automatically insured when you obtain them, and reclaiming a lost insured pet from Probita is also free, with no recurring premium. This change took effect on September 10, 2025, so older guides that mention paying for insurance or reclaim tokens may be outdated. If you had unused reclaim tokens purchased before the change, they were refunded, although free tokens earned from duplicate pet drops were not reimbursed.
Even with free insurance, you still need to understand OSRS death mechanics and keep your account secure while hunting valuable pets. Pet cats are the main exception because they follow separate mechanics and can still be lost on death, so do not assume the standard system protects them. Always check that you can reclaim your pet before taking unnecessary risks, and never give your login details to anyone offering shortcuts. Unsafe boosting services can put your account and progress at risk, so choose safer ways to play and protect your account.