Award-Winning Cat Insurance
Now More Flexible Than Ever
- Flexible Coverage Options2
- No hidden sub-limits
- Get up to 70%, 80% or 90% back on eligible vet bills2
- Flexible excess from $0-$60014
- Multi-pet discounts12
- Fast GapOnly® claims11
- Quick online quote in minutes
At Pet Insurance Australia, we understand that cats have a world of their own, equal parts curious, independent, and affectionate. They’re family, which is why they deserve award-winning cover from the tiniest of kittens right through to their senior years. Our cat insurance is designed with flexibility in mind, helping to
protect against the unexpected like accidental injuries and illnesses, while also offering optional extras for everyday health needs such as treatment for specified dental conditions13, specialised therapies13 and routine care (non-insurance benefit)7 – without the confusion of multiple tiers.
Claim Up To
$35,0002
Per Year
Compare Cat Insurance Options
Finding the right cat pet insurance shouldn’t be complicated. It should feel as natural as the sound of a happy purr! At Pet Insurance Australia, we’ve kept things simple with one flexible plan that covers a broad range of conditions and costs. No confusing tiers, no endless options, just straightforward cover to help protect your cat. Because it means more time enjoying life with your feline companion.
| Option | What It Means | Your Choices | Why |
|---|---|---|---|
| Annual benefit limit2 | This is the maximum amount you can claim for per policy period, subject to any applicable excess, for eligible accidental injuries and illnesses, as well as emergency boarding. Booster Care and Routine Care (non insurance benefit) are subject to their own limits. | $15,000; $25,000 and $35,000 | Lower for budget-conscious premiums; higher if you want more protection. |
| Benefit Percentage14 (Reimbursement) | The percentage of the eligible vet bill we will cover before the applicable annual excess is applied. Where applicable, it is also subject to the annual benefit limit or Booster Care limit. | 70%, 80%, 90% | Higher % can allow you to claim more back on your eligible vet bills. |
| Annual Excess4 | The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid. | $0, $100, $300, $600* *$600 annual excess not available with 70% benefit percentage | Choose a higher annual excess to help lower your premium. Just remember you may pay more out of pocket at claim time. |
| Routine care add-on7 | Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick | An optional benefit which you can add to your policy | Add for additional vet-cost cover. |
| Specified dental conditions add-on (Booster Care13) | Optional cover for specified dental conditions, subject to the Booster Care limit of $2500 | An optional benefit which you can add to your policy | Add for extra vet-cost protection; Great for breeds prone to dental issues. |
| Specialised therapies add-on (Booster Care13) | Optional cover for specialised therapies, subject to the Booster Care limit of $2500 | Add to your policy or skip | Add to boost vet-cost protection; skip to lower premium |
| Waiting periods | The time from your policy start date when your pet isn’t covered for certain conditions or benefits in the first year you first obtained cover for them. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. | Accidental injury – 2days Illness – 30days Cruciate Ligament Conditions – 6 months Specified dental conditions (Booster Care) – 6 months Behavioural conditions (Booster Care)– 30days | Starting early helps ensure your pet is covered sooner rather than later |
| Multi-pet discount12 | A percentage saving when you insure more than one pet. | Get 5% off for each additional pet you insure after the first, up to 15% max.* Example: 2nd pet: 5% | Helpful for multi-pet households. |
| Choice of vet | Use any licensed vet in Australia, other than yourself. | Included on all policies | Continue care with your preferred vet |
What's Covered
With our new cat insurance product, you’ll enjoy one of the most flexible cat insurance plans Australia has to offer. From the options available, choose your annual benefit limit, benefit percentage, and excess that suit your and your cat’s needs, all with no hidden sub-limits. Add optional extras like Booster Care, with a $2,500 limit for specified dental conditions and specialised therapies,16 or Routine Care (non-insurance benefit)9 with a $200 limit to keep your cat happy and healthy. Whether you’re insuring a cat for the first time or switching to a simpler option, our cover makes pet insurance for cats straightforward.
| Lifespan | Ragdoll cats live from 13-18 years, with 17 being the average |
| Temperament | Docile, affectionate, cuddly and very social |
| Suitable | A loving companion for adults or families with children and will get along well with other household pets |
| Health | A relatively healthy breed but may be prone to genetic health conditions affecting their heart, kidneys or gastrointestinal tract |
| COMMON CLAIMS | MAXIMUM CLAIM |
|---|---|
| Tissue Damage or Fracture | $412.95 |
| Ear Conditions | $477.68 |
| Eye Conditions | $511.00 |
| Gastrointestinal Tract Conditions | $2,720.60 |
| Heart Condition | $1,036.56 |
| Ingestion of Foreign Body or Toxin | $1,629.75 |
| Laboratory Abnormality | $370.79 |
| Arthritis | $285.00 |
| Cruciate Ligament | $1,787.70 |
| Patella Luxation | $1,082.00 |
Policy Benefits
Pet Insurance Australia provides the Select & Protect Insurance, with the below benefits
| Feature | Details |
|---|---|
| Freedom to Choose Your Vet | Use any registered veterinarian in Australia, other |
| 24/7 LiveVet10 Access | Complimentary myPetPass®5 membership, |
| Choose your Annual Benefit Limit2 | Choose from $15,000, $25,000, or $35,000 |
| No-Sub Limits | A straightforward product design with no hidden sub-limits. |
| Reimbursement Options (benefit percentages) | Select from 70%, 80%, or 90% back on eligible vet |
| Annual excess4 Options | Choose your excess4 |
| Multi-Pet Discount12 | Multi-tiered discounts available when you insure |
| Dedicated Pet-Loving Team | Friendly, knowledgeable support from Australian- |
| On-the-Spot Claims with GapOnly®11 | Only pay the gap11 on eligible claims at over 1,000 |
Routine Care
Because prevention is just as important as treatment, our optional Routine Care (non-insurance benefit) helps cover the everyday essentials your cat needs to stay happy and healthy. Our Routine Care option gives you $200 a year, in addition to your annual benefit limit, to help with the basics, from vaccinations and desexing through to regular wellness checks, so you can stay on top of their health.
Examples of How We Will
Settle Your Claim
Meet Whiskers
Whiskers is Jess’s 5-year-old Maine Coon who encountered a nasty fall, causing a fracture to her leg. Whiskers needed urgent vet care, with treatment costs totaling $4,000. Naturally, her owner wanted the best care possible without worrying too much about the financial impact of her injury.
Luckily, Whisker’s owners had a Select & Protect policy with a chosen annual benefit of $35,000, 90% benefit cover and a $200 excess. That means $3,600.00 will be taken care of by the insurance, with Whisker’s owners needing to cover 10% of the amount and the $200 excess, with the final out-of-pocket amount equaling a total of $600.
| Annual benefit limit | $35,000 |
|---|---|
| Eligible Vet Bill | $4,000 |
| Benefit percentage (reimbursement) | 90% |
| Annual Excess selected | $0 |
| Optional add-ons: | Booster Care (for specified dental conditions and specialised therapies like physio and prescribed medication for behavioural conditions) + Routine Care, non-insurance benefit (to help with eligible non-insurance everyday wellness items like vaccinations). |
- If $0 excess is used:
- Eligible Vet bill: $4,000
- Benefit Percentage: 90%
- Annual Excess: $0
- Pet Insurance Covers $3,600
- Jess pays 10%
- Jess’s contribution: $400
Example only. Customer experience may vary depending on individual circumstances. Claims assessment subject to policy terms and conditions. Please refer to the Product Disclosure Statement and Target Market Determination before deciding if this product is right for you.
Cat Insurance
For all Cat Breeds
At Pet Insurance Australia, we understand that all cat breeds can have unique health conditions. Want to know more about what breed specific issues could affect your feline companion? Simply click on your breed below to get a comprehensive look at your pet partner:
Frequently
Asked Questions
What does my cat insurance cover?
With Select & Protect, your cat is covered for both accidental injuries and illnesses. This includes cover for treatment costs of covered conditions such as surgery, hospitalisation, diagnostic tests, specialist care, medications, cancer treatment. It also includes cover for hereditary conditions (unless pre-existing), and for things like unexpected injuries like fractures. You choose the annual benefit limit, reimbursement (benefit) percentage, and excess that best suit you and your and your cat from the options available.
Does my cat insurance cover dental?
No, but you can add Booster Care as an optional benefit in addition to your cover. Cat owners can claim up to $2,500 each year for specific procedure costs required to treat specified dental conditions such as gingivitis, cavities, fractured teeth, resorptive lesions, abscesses, and retained baby teeth. Eligible procedures include scaling, polishing, and X-rays for these conditions. Learn more about how Booster Care works.
Does my cat insurance cover therapies like physio or acupuncture?
No, but if you add optional Booster Care to your policy, your cat will be covered for a range of specialised therapies including physiotherapy, hydrotherapy, acupuncture, chiropractic treatments, and consultations for behavioural conditions (all provided by qualified professionals). These are especially helpful for cats recovering from accidental injuries, arthritis, or stress-related issues.
Learn more about how Booster Care works.
Can I add preventative care to my cat insurance?
Yes. Adding the Routine Care (non-insurance benefit) option gives you up to $200 per year for important preventative items such as vaccinations, microchipping, desexing, flea/tick/worm control, nail clipping, wellness blood tests, and regular vet check-ups. This helps ensure your cat stays healthy year- round. Learn more about how Routine Care works.
How much can my cat insurance pay each year?
You can select an annual benefit limit of $15,000, $25,000, or $35,000 to match your cat’s needs.
What percentage of my cat's vet bills will be reimbursed?
You choose the cover level: up to 70%, 80%, or 90% of eligible vet bills. The higher the percentage, the less you can expect to pay out of pocket.
What excess applies to my cat insurance?
You can select an annual excess of $0, $100, $300, or $600. (Note: the $600 excess option is not available if you select 70% reimbursement.) A higher excess means a lower premium, but will mean more out of pocket costs at claim time.
Does my cat insurance have sub-limits?
No. Select & Protect Cat Insurance has no hidden sub-limits for conditions or treatments. All eligible claims are covered up to your chosen annual benefit limit. Note: If Booster Care is selected as an optional extra, you will have a benefit limit of $2,500 in addition to your annual benefit limit for specified dental conditions and specialised therapies. Additionally, optional Routine Care (non-insurance benefit) has its own limit of $200.
Does my cat insurance cover pre-existing conditions?
Chronic pre-existing conditions are excluded. However, if your cat had a temporary condition that has resolved and been symptom-free for a set period, it may be considered for future cover. To learn more about how pre-existing conditions work, click here.
How do I make a claim on my cat?
You can claim by email, through our online portal, or at participating GapOnly® vets—where claims are processed in real time and you only pay your portion (“the gap”). Claims can also be pre-approved, submitted via your vet, post, or online. For more information on how to make a claim, visit our claims page here.
How long is the waiting period for my cat insurance?
Accidental injuries: 2 days
Illness: 30 days
Cruciate ligament conditions: 6 months
If Booster Care is selected:
- Specified dental conditions: 6 months
- Behavioural conditions: 30 days
How is my cat insurance premium calculated?
Premiums are based on your cat’s age, breed, and the cover level you select (annual benefit limit, reimbursement (benefit) percentage, and excess, as well as optional benefits).
Can I use any vet with my cat insurance?
Yes, you can use any licensed vet in Australia other than yourself. For convenience and faster claims processing, you can also visit one of the 1,000+ GapOnly® participating clinics.
Should I insure my cat while they're young?
Enrolling your cat early—whether a kitten or a young adult—means they can be protected before common health problems like diabetes, or arthritis appear. This can reduce the likelihood of exclusions for common pre-existing conditions and can give your cat cover for new conditions that develop along the way.
