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.
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.
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.
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.
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).
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)*|
% 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|
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|
|SKIN CONDITIONS E.G. ALLERGIES|
|EAR /EYE CONDITIONS|
|CONSULTATIONS AND VISITS||$300||$500|
|LABORATORY AND DIAGNOSTIC TESTS1|
|PRESCRIPTION MEDICINE & DRUGS1|
|CRUCIATE LIGAMENT CONDITIONS||$4,000*||$5,000*|
|HEREDITARY AND CONGENITAL CONDITIONS|
|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|
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:
(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%.
2nd pet – 5%
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
|What is Covered in all Plans|
Specified Accidental injuries and illnesses
Hereditary and congenital conditions
Eye and ear conditions
Cruciate ligament conditions (6 month waiting period applies but may be waived on application)
Pet overseas travel insurance (New Zealand and the Norfolk Islands only)
Certain pre-existing conditions
Elective treatments and procedures
Food and diets
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
Council registration fees
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|
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.
90% Coverage (Under 8 Years of Age)
65% Coverage (Over 8 Years of Age)
|MAJOR MEDICAL COVER
|Amount of eligible vet expenses||$4,000||$4,000|
|Claim benefit payment||$2,600||$3,200|
Remember, different breeds have different health conditions and needs. So, browse through our list and learn everything you need about your cat.
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.
Select your cat’s breed from the list below to explore specific insurance coverage that best caters to their unique health needs:
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.
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.
Similar to most insurance products, there are a few circumstances where you will not be covered. General exclusions encompass:
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.
Your cat insurance is calculated when your policy begins and at each renewal.
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.
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.
A pre-existing condition refers to:
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.
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.
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).
*2 Month Offer Terms & Conditions can be viewed by clicking here
Pet Insurance Australia policies entered into for the first time prior to 8 May 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted, distributed and arranged by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA). Pet Insurance Australia policies entered into for the first time on or after 8 May 2023 and subsequent renewals of those policies are issued by PetSure and promoted, distributed and arranged by PetSure’s AR, PIA. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsuranceaustralia.com.au.
We understand that there are times when our customers may be feeling vulnerable due to a range of factors. In these situations, we are committed to taking extra care and recognise these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations. If you are experiencing vulnerability and would like more information on the extra care we can provide please email us on firstname.lastname@example.org. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.