Cat Insurance Cover
- Choose from three distinct cover options
- Coverage of up to 90% of eligible veterinary expenses
- Insurance protection for diverse conditions such as cancer, allergies, and digestive disorders
- 21-day cooling-off period
- Up to 15% discount for insuring multiple pets
- Provision for emergency boarding under specific conditions
Safeguarding the health and welfare of your feline companion is just as important as any other member of your family. Pet Insurance Australia presents an array of insurance options tailored to a full range of cat breeds, helping owners with a variety of veterinary expenses.
Securing the Necessary Coverage for Your Cat
Cats are amazing creatures.
One can waltz into your life and seemingly rearrange your priorities to place itself at the centre of it all. And as any cat lover will tell you, our feline friends quickly become part of the family. But does your cat enjoy the same level of protection that your other family members do? Now it can, thanks to Pet Insurance Australia.
Why Select PIA for Your Cat Insurance?
PROTECT YOUR CAT FROM SPECIFIED ACCIDENTAL INJURY AND ILLNESS
With Pet Insurance Australia, you can put your worries aside when it comes to vet expenses and focus on what truly matters: your beloved feline companions. Choose from our three straightforward and flexible cover options to ensure your cat’s health is well protected. Our plans offer coverage for up to 90%* of eligible vet bills, and when you insure multiple pets with us, you’ll enjoy multi-pet discounts of up to 15%! Combine these benefits with our hassle-free claims process, emergency cat boarding cover (in certain situations), a 21-day cooling-off period, friendly customer service, and the added perk of 2 months free on any new pet insurance plans. There’s never been a better time to secure coverage with Pet Insurance Australia.
Compare Our Selection of Cat Insurance Plans
At Pet Insurance Australia, we offer three lines of coverage for cats:
Pet Essentials Cover for Cats
Our Pet Essentials plan covers up to 90%1 of your eligible vet bills relating to specified accidental injuries and illnesses suffered by your cat, up to the $1,000 annual condition limit for each specified accidental injury or illness.
1Subject to stated benefit limits, the annual condition limit, waiting periods and policy terms and conditions. Benefit percentage will reduce from 90% to 65% for pets over the age of 8 years.
Comprehensive Cover for Cats
Our Comprehensive Cover option covers up to 80% of your eligible vet bill related to specified accidental injuries and illness suffered by your cat, less any excess (choice of $0, $100, $200 or $500 per condition excess).
Major Medical Cat Cover
Our Major Medical Cover option covers up to 80% of your eligible vet bills related to specified accidental injuries and illness suffered by your cat, less any excess (choice of $0, $100, $200 or $500 per condition excess).
Routine Care (non-insurance benefit) is provided with this product.
| COVER | PET ESSENTIALS | COMPREHENSIVE COVER | MAJOR MEDICAL COVER |
|---|---|---|---|
| ANNUAL BENEFIT LIMIT | $6,000 ($1,000 Annual Condition Limit) | $30,000 | $30,000 (and an additional $145 for Routine Care)* |
| PERCENTAGE % OF ELIGIBLE VET BILLS COVERED | Up to 90% | Up to 80% | Up to 80% |
| ELIGIBILITY AGE | This will reduce to 65% on your pet’s 8th birthday. | N/A | N/A |
| EXCESS Applies per Condition, per Policy Period and is deducted from the benefit payable to you. | $0 | $0, $100, $200 or $500 per annum for each unrelated condition | |
| COVERS SPECIFIED ACCIDENTAL INJURY |  | | |
| COVERS ILLNESSES | | | |
| CANCER TREATMENT |  | | |
| SKIN CONDITIONS E.G. ALLERGIES | | | |
| EAR /EYE CONDITIONS | | | |
| GASTROINTESTINAL PROBLEMS | | | |
| TICK PARALYSIS | $1,000 | $1,000 | $3,000 |
| CONSULTATIONS AND VISITS | | $300 | $500 |
| SPECIALIST CARE1 | | | |
| LABORATORY AND DIAGNOSTIC TESTS1 | | | |
| HOSPITALISATION1 | | | |
| RADIOLOGY1 | | | |
| PRESCRIPTION MEDICINE & DRUGS1 | | | |
| SURGERY1 | | | |
| CRUCIATE LIGAMENT CONDITIONS | | $4,000* | $5,000* |
| HEREDITARY AND CONGENITAL CONDITIONS | | | |
| ROUTINE CARE (non-insurance benefit) | | | |
| LIFETIME COVER | As long as we continue to provide this product and there are no gaps or breaks in cover and subject to the terms and conditions of the policy for each renewal period. | ||
| 21-DAY COOLING-OFF PERIOD | | | |
| EMERGENCY BOARDING for your pet at a licensed boarding facility if you are hospitalised for one or more days or require accommodation due to family violence up to a maximum of: | $500 | $1,000 | $1,200 |
| PRE-EXISTING CONDITIONS (More information about Pre-existing Conditions is available here) | | | |
| Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information. | |||
| MULTIPET DISCOUNT: UP TO 15%~ | We offer an incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%. EXAMPLE: 2nd pet – 5% 3rd pet-10% 4 and more pets -15% |
||
| WAITING PERIOD | No waiting period for specified accidental injuries. 30 days for illness conditions | No waiting period for specified accidental injuries (other than a cruciate ligament condition) 6 months for cruciate ligament conditions# 30 days for illness conditions |
|
*you may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
What's Covered
| 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) |
Essential euthanasia |
Pet overseas travel insurance (New Zealand and the Norfolk Islands only) |
| Exclusions |
|---|
Certain pre-existing conditions |
Dental procedures |
Behavioural problems |
Elective treatments and procedures |
Food and diets |
Grooming |
Pregnancy |
Pet accessories |
Routine Care
Routine Care (non-insurance benefit) is provided with Major Medical Cover and will assist towards routine care items such as vaccinations, deworming etc.
| $50 ANNUAL BENEFIT FOR ONE OF THE FOLLOWING | De-sexing Micro chipping Heart worm Behavioural therapy Teeth cleaning Council registration fees Alternative therapies Prescription diets Dew claw removal Cremation or Burial Dog training at a recognised training centre |
| ANNUAL BENEFITS FOR ALL OF THE FOLLOWING | $30 – Vaccinations or Health Check $10 – Heart worm test or Blood screen $10 – FeLv/ Fiv test or urinalysis $45 – Flea/ Tick/ Worm control |
| ELIGIBILITY | For Major Medical Cover only |
| EXCESS APPLICABLE | No |
How We Will Settle Your Claim
The calculations provided below illustrate the method of settling claims when coverage is in effect (these examples are merely representative of the calculation process and include GST):
A 10-year-old Maine Coon named Whiskers developed a sudden health issue requiring urgent vet care that amounts to $4,000.
If Whiskers’ owner has the ‘Pet Essentials’ policy, she would receive 65% coverage of these expenses. With this policy, the insurance would cover $2,600 of the total eligible vet bill, leaving Whiskers’ owner with an out-of-pocket expense of $1,400.
If the owner has chosen the ‘Major Medical Cover’ policy, which provides 80% coverage, the amount would be $3,200 of the total eligible vet expenses leaving Whiskers’ owner to pay the remaining $800 out-of-pocket.
| CLAIM | PET ESSENTIALS 90% Coverage (Under 8 Years of Age) 65% Coverage (Over 8 Years of Age) | MAJOR MEDICAL COVER 80% Coverage |
|---|---|---|
| Amount of eligible vet expenses | $4,000 | $4,000 |
| Claim benefit payment | $2,600 | $3,200 |
| Out-of-pocket expenses | $1400 | $800 |
What Cat Breeds are Covered in Our Insurance Policies?
Remember, different breeds have different health conditions and needs. So, browse through our list and learn everything you need about your cat.
Make Your Cat a Real Member of the Family
We often say that our cats are like family members, but do we treat them like that?
By protecting them with pet insurance, your cat will receive the attention, love and respect that it deserves.
See What Our Clients Have to Say
CHOOSE YOUR BREED BELOW
Select your cat’s breed from the list below to explore specific insurance coverage that best caters to their unique health needs:
Ragdoll
Persian
Siamese
Burmese
Tabby
Abyssinian
Birman
Himalayan
Australian Mist
Russian Blue Cats
Maine Coon
Sphynx
Frequently Asked Questions on Our Cat Insurance Policies
How Much of the Vet Expenses Incurred are Covered?
Based on the policy you select, Pet Insurance Australia can cover different percentages of the eligible vet costs for your cat.
If you choose our ‘Pet Essentials’ plan, up to 90% of your vet bills can be covered until your feline companion’s 8th birthday, and after that, the coverage drops to 65%. This is within the policy’s benefit and annual condition limits.
Alternatively, our ‘Comprehensive Cover’ and ‘Major Medical Cover’ policies provide up to 80% coverage, which is subject to the policy’s excess and annual benefit limits. Any excess under these policies will be deducted from your benefit amount.
When Can I Register My Cat for Pet Insurance?
You can insure your cat as young as eight weeks of age. If you’re considering our Comprehensive or Major Medical plans, your cat should be enrolled before its 9th birthday, but for the Pet Essentials plan, you can enroll your pet before its 12th birthday.
What are the Exclusions Within Our Cat Insurance Policies?
Similar to most insurance products, there are a few circumstances where you will not be covered. General exclusions encompass:
- pre-existing conditions
- routine or preventive treatments (unless routine care is part of your purchased cover, which provides a contribution up to the routine care limits)
- certain elective treatments and procedures
- breeding or obstetrics
- orthodontic treatment
- genetic/chromosome testing
Depending on your chosen level of cover, specific exclusions may also apply. The complete list of exclusions and detailed descriptions are available in your PDS, which can be found under Downloads.
How is the Premium For Cat Insurance Calculated?
Your cat insurance is calculated when your policy begins and at each renewal.
New Policies
Your premium is derived from various factors that can raise or lower the premium amount based on the perceived risk. Factors include the type of cover, options selected, and your pet’s breed and age.
For example, as your cat ages, the risk of needing treatment naturally increases, and consequently, the premium rises. The calculated premium might also include promotional offers or discounts that we provide. If you’re eligible for multiple discounts, we apply a specific order in calculating your final premium. Some discounts may only apply during the first year of coverage.
Renewals and Policy Changes
We will inform you each year about any changes to your premium. This calculation considers the claims history for your cat, the average cost of care for similar cats, and the claims experience across all our insured pets. We also consider the amount of your previous premium, including any discounts that may have been applied. The same factors apply if you choose to amend your coverage.
For further information on the factors used to calculate your premium, please refer to your PDS under Downloads.
How Does Pet Insurance Australia Define a Pre-Existing Condition?
A pre-existing condition refers to:
- Any condition present or occurring before your policy’s commencement date or within the waiting period.
- Any condition you or your vet were aware of, or that a reasonable person in your situation would have been aware of.
This applies regardless of whether the underlying or causative condition was diagnosed.
The categorisation of a condition as pre-existing is based on its nature and history. If your cat had a temporary condition that showed no signs, symptoms or abnormalities for 18 months immediately before your claim treatment date, it wouldn’t be excluded as a pre-existing condition anymore. Chronic conditions and certain other conditions do not fall under this category. You can apply to have pre-existing conditions reviewed. Learn more about pre-existing conditions.
Can I Choose Any Vet For My Cat's Treatment?
Yes, you can opt for any veterinarian (provided it’s not yourself) licensed to practice legally within Australia.
It’s important to note that if the treatment costs substantially exceed the usual and expected expenses given the circumstances, we may need to adjust the claim payments to align with reasonable costs.
If your cat needs treatment, you can request a claim pre-approval. This will allow us to provide you with the details of your claim reimbursement. To request a pre-approval, simply give us a call at 1800 043 552.
What is the Definition of a Waiting Period in the Context of Cat Insurance?
A waiting period refers to the duration from the start date of your first policy period, during which your cat won’t be covered for certain conditions or benefits. The length of the waiting period may vary based on the level of coverage you choose.
For a comprehensive overview of your policy’s waiting periods, please refer to your Product Disclosure Statement (PDS).
