Cat Insurance

One flexible plan. Claim up to $35,000 a year.²

Annual benefit limits: $15,000, $25,000 & $35,000²
No hidden sub-limits
Get up to 70%, 80% or 90% back on eligible vet bills¹⁴
Flexible excess options⁴
Multi-pet discounts¹²
Fast GapOnly® claims¹¹
Quick online quote in minutes

Award Winning Pet Insurance You Can Trust.

2022 Canstar Innovation Excellence

2024 MOZO Experts Choice Awards Exceptional Value Accident & Illness Pet Insurance

2025 Product Review Pet Insurance Provider of the Year

Flexible Cat Insurance With Your Cat In Mind

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 periods⁸	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

Flexible Cat Insurance With Your Cat In Mind

Annual Benefit Limit²

What It Means

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.

Your Choices

$15,000; $25,000 and $35,000

Why

Lower for budget-conscious premiums; higher if you want more protection.

Benefit Percentage¹⁴ (Reimbursement)

What It Means

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.

Your Choices

70%, 80%, 90%

Why

Higher % can allow you to claim more back on your eligible vet bills.

Annual Excess⁴

What It Means

The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid.

Your Choices

$0, $100, $300, $600*

*$600 annual excess not available with 70% benefit percentage

Why

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

What It Means

Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick

Your Choices

An optional benefit which you can add to your policy

Why

Add for additional vet-cost cover.

Specified Dental Conditions Add-On (Booster Care¹³)

What It Means

Optional cover for specified dental conditions, subject to the Booster Care limit of $2500

Your Choices

An optional benefit which you can add to your policy

Why

Add for extra vet-cost protection; Great for breeds prone to dental issues.

Specialised Therapies Add-On Add-On (Booster Care¹³)

What It Means

Optional cover for specialised therapies, subject to the Booster Care limit of $2500

Your Choices

Add to your policy or skip

Why

Add to boost vet-cost protection; skip to lower premium

Waiting Periods

What It Means

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.

Your Choices

Accidental injury – 2days
Illness – 30days
Cruciate Ligament Conditions – 6 months
Specified dental conditions (Booster Care) – 6 months
Behavioural conditions (Booster Care)– 30days

Why

Starting early helps ensure your pet is covered sooner rather than later

Multi-Pet Discount¹²

What It Means

A percentage saving when you insure more than one pet.

Your Choices

Get 5% off for each additional pet you insure after the first, up to 15% max.*
Example:
2nd pet: 5%

Why

Helpful for multi-pet households.

Choice Of Vet

What It Means

Use any licensed vet in Australia, other than yourself.

Your Choices

Continue care with your preferred vet

Why

Helpful for multi-pet households.

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,¹³ or Routine Care (non-insurance benefit)⁷ 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.

What is Covered in all Plans
Specified Accidental injuries and illnesses
Tick paralysis
Cancer treatment
Skin conditions
Hereditary and congenital conditions
Emergency boarding
Eye and ear conditions
Cruciate ligament conditions (6 month waiting period applies but may be waived on application)

Exclusions
Certain pre-existing conditions
Dental procedures ($2,500 with Booster Care¹³)
Behavioural problems ($2,500 with Booster Care¹³)
Elective treatments and procedures
Food and diets
Grooming
Pregnancy
Pet accessories

Routine Care (optional non-insurance benefit)

Because prevention is just as important as treatment, our optional Routine Care⁷ helps cover the everyday essentials your cat needs to stay happy and healthy. Our Routine Care⁷ non-insurance benefit helps with the basics, from vaccinations and desexing through to regular wellness checks (up to $200 a year), so you can stay on top of their health.

Get your first 2 months free when you sign up¹

Why Insure Your Cat With PIA

With over 30 years in the Australian pet industry, Pet Insurance Australia is a trusted, family-owned name in cat insurance. We’ve built one flexible policy, Select & Protect, so you choose your annual benefit limit, benefit percentage and excess, and stay in control of what you pay. Every policy also comes with fast GapOnly® claims, optional Routine and Booster Care, and free myPetPass®⁵ perks.

Any Vet, Anywhere

Visit any registered vet across Australia

LiveVet®¹⁰ Access

Complimentary 24/7 online vet care whenever you need advice

Fast Claims with GapOnly®¹¹

At over 1,000 clinics, you just pay the gap on eligible claims; we handle the rest

Multiple Annual Benefit Limits²

Choose from $15,000, $25,000 or $35,000, depending on your needs

Save with Multi-Pet Discount¹²

Multi-tiered discounts available when you insure more than one pet: 2nd pet: 5%, 3rd pet: 10%, 4th and any subsequent pets: 15%

Choose your annual excess⁴

Pick what suits you: $0, $100, $300, $600 (not available on the 70% plan)

What Pet Owners Say About PIA

Don’t just take our word for it. PIA holds a 4.7-star rating on Google from over 600 Australian pet owners. Here’s what pet owners say about our cover, and how we helped when it mattered most.

    
 
 
         
   Nikki Levin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely incredible service to the absolute highest standard. Pay back is immediate, gap cover is accepted, and in general the nicest most caring humans. I could not support my precious dog without their support. Could not recommend highly enough.
  
 
        
   Jen Webster 
 
 
 
 Trustindex verifies that the original source of the review is Google. My normally very healthy, happy 16th month old chihuahua suddenly became very ill and had to be rushed to the animal hospital. After lots of tests and an overnight stay plus a week of strong antibiotics, she is now back to her normal lovely self. PIA accepted all the claims and processed the payments whilst I was still at the hospital. I could not be happier with the service I received from PIA.
  
 
        
   Simone Richardson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Only need to pay the gap, prompt claims and high proportion of costs covered- wouldn’t be without - so grateful for PIA for our golden retriever- wouldn’t be without - highly recommend!
  
 
        
   Brad Deas 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have been insured with Pet Insurance Australia for our dog Ella for about 4 years now. The claiming process is extremely easy online and we usually receive our rebate within a day or so. Most recently we attended Sash Veterinary Hospital and they were able to process our claim for us so we only had to pay the gap payment. I would highly recommend Pet Insurance Australia.
  
 
        
   Personal Gmail 
 
 
 
 Trustindex verifies that the original source of the review is Google. PIA have become one of the best in their field. I highly recommend them, in fact many of my friends have signed up after my recommendation.
  
 
        
   Richard Taylor (artywah) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our dog has had to undergo specialist cancer treatment and ongoing follow-up care. The PIA claims process has been easy to manage and has offered peace of mind for the cost of treatment
  
 
        
   Bianca Bonny 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great Experience for my Beaglier Daisy! Easy, Stressfree and the whole team is great! Highly recommend
  
 
        
   Diane McKay 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent. Never a problem. Claims paid promptly.
  
 
        
   Jeffrey Marc 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very easy process to claim and fast reimbursement. It has been a massive help with helping our dog with his allergies. Very happy with them.
  
 
  
 
  
 
   Google rating score: 4.7 of 5, based on 471 reviews 
 
    Verified by Trustindex  Trustindex verified that these reviews were published on Pet Insurance Australia's Google Business Profile. Learn more

Testimonials are based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts apply.

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.

Annual benefit limit	$35,000
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).

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.

Jess will pay:

If $200 excess is used:
Eligible Vet bill: $4,000
Benefit Percentage: 90%
Annual Excess: $200
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

When the Unexpected Happens

Cats are experts at hiding when something is wrong, so illness and injury can surface suddenly, and the vet bill lands just as fast. Below are ten of the conditions we see most often in cats, with the highest amount PIA has paid on a single claim for each, so you can see what unexpected care really costs and how cover helps.

Top 10 Conditions & Their Max Claim Amounts

Gastrointestinal Tract Condition	$13,065.41
Urinary System Disorder	$14,079.15
Urinary System Disorder – Other	$9,520.35
Skin Condition – Infection/Allergy/other Signs and Symptoms	$4,613.17
Muscle/Skeletal Condition – Arthritis	$8,306.89
Accident – Tissue Damage or Fracture (Trauma)	$8,327.60
Respiratory Tract Condition	$9,761.00
Heart Condition	$7,285.15
Clinical Sign	$8,574.02
Eye Condition	$5,756.84

*Petsure data for PIA claims 2025

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 ¹³. 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 Care¹³ 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 Care¹³ 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 Care⁷ (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 Care¹³ 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 Care⁷ (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®¹¹ vets—where claims are processed in real time and you only pay “the gap” (the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy). 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 Care¹³ 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®¹¹ 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.

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What’s Covered

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What’s Covered

Cat Insurance

One flexible plan. Claim up to $35,000 a year.2

Award Winning Pet Insurance You Can Trust.

Flexible Cat Insurance With Your Cat In Mind

Flexible Cat Insurance With Your Cat In Mind

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What It Means

Your Choices

Why

What's Covered

Routine Care (optional non-insurance benefit)

Get your first 2 months free when you sign up1

Why Insure Your Cat With PIA

What Pet Owners Say About PIA

How We Will Settle Your Claim

Meet Whiskers

When the Unexpected Happens

Top 10 Conditions & Their Max Claim Amounts

Frequently

Asked Questions

For Care They Deserve,

You can count on PIA to deliver.

One flexible plan. Claim up to $35,000 a year.²

Get your first 2 months free when you sign up¹

How We Will Settle
Your Claim