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A typical cat insurance policy can cover your cat for the following:
A low cover and cheap cat insurance policy will cover your cat for accidents, which can include car accidents, dog attacks and snake bites.
More comprehensive cat insurance policies can help pay for vet bills related to illnesses. Most will cover cancer treatment, eye and ear conditions, diabetes and more.
Routine care refers to the preventative treatments your cat often needs such as vaccinations, desexing and dental care. You'll usually have to pay extra for it if you want it included in your cover.
We looked at 99 different breeds and calculated that cat insurance costs around $30 per month for an accident and illness policy based on a 1-year-old cat. Remember, costs will vary slightly depending on your cat's health, age, breed and where you live. You can find out more about average pet insurance costs here.
| Cat Breed | Average Accident & Illness Cost (Annual) |
|---|---|
| Abyssinian | $621.59 |
| Abyssinian Cross | $386.44 |
| American Bobtail | $585.19 |
| American Curl | $720.02 |
| American Short Hair | $585.19 |
| American Wirehair | $720.02 |
| Balinese | $607.61 |
| Birman | $638.03 |
| Birman Cross | $398.77 |
| Bombay | $608.71 |
| British Blue | $586.13 |
| British Blue Cross | $398.77 |
| British Long Hair | $720.02 |
| British Short Hair | $608.71 |
| British Short Hair Cross | $398.77 |
| Burmese | $608.71 |
| Burmese Cross | $556.39 |
| Burmese European | $959.04 |
| Burmilla | $608.71 |
| Burmilla Cross | $574.95 |
| Calico | $860.28 |
| Chantilly | $720.02 |
| Chartreux | $672.74 |
| Chinchilla | $625.16 |
| Chinchilla Cross | $577.42 |
| Chinese Li Hau | $959.04 |
| Colourpoint Shorthair | $638.03 |
| Cornish Rex | $638.03 |
| Cornish Rex Cross | $398.77 |
| Cymric | $720.02 |
| Devon Rex | $638.03 |
| Domestic Long Hair | $528.44 |
| Domestic Medium Hair | $528.44 |
| Domestic Short Hair | $528.44 |
| Egyptian Mau | $619.12 |
| Exotic Long Hair | $672.74 |
| Exotic Short Hair | $619.12 |
| Exotic Short Hair Cross | $369.99 |
| Havana Brown | $535.14 |
| Highland Fold | $672.74 |
| Highland Fold Cross | $369.99 |
| Himalayan | $625.16 |
| Isle of Man | Restricted breed |
| Javanese | $621.59 |
| Korat | $621.59 |
| LaPerm Long-Haired | $585.19 |
| LaPerm Short-Haired | $585.19 |
| Lynx Point | Restricted breed |
| Lynx Point Cross | Restricted breed |
| Maine Coon | $619.12 |
| Maine Coon Cross | $369.99 |
| Mandalay | Restricted breed |
| Manx Cross | $540.70 |
| Manx Long-Haired | $720.02 |
| Manx Short-Haired | $720.02 |
| Minskin | $678.91 |
| Munchkin Long-Haired | $720.02 |
| Munchkin Short-Haired | $720.02 |
| Nebelung | $678.91 |
| Norwegian Forest | $566.28 |
| Ocicat | $619.12 |
| Ocicat Cross | $369.99 |
| Oriental Cross | $586.27 |
| Oriental Long Hair | $678.91 |
| Oriental Short Hair | $621.97 |
| Persian | $625.16 |
| Persian Cross | $575.91 |
| Peterbald | $720.02 |
| PixieBob | $603.77 |
| Ragamuffin | $720.02 |
| Ragdoll | $606.91 |
| Ragdoll Cross | $584.70 |
| Rex Unknown | $720.02 |
| Russian | $646.91 |
| Russian Blue Cross | $555.74 |
| Scottish Fold Cross | $369.99 |
| Scottish Fold Long-Haired | $672.74 |
| Scottish Fold Short-Haired | $672.74 |
| Scottish Shorthair | $690.73 |
| Selkirk Rex | $623.36 |
| Si Rex | $959.04 |
| Siamese | $646.55 |
| Siamese Cross | $573.44 |
| Siamese Lynx | Restricted breed |
| Siamese Oriental | $625.59 |
| Siamese Sealpoint | Restricted breed |
| Siberian | $623.36 |
| Siberian Forest Cat | $386.44 |
| Singapura | $648.78 |
| Snowshoe | $643.96 |
| Somali | $646.91 |
| Sphynx | $663.36 |
| Sphynx Cross | $398.77 |
| Tabby | $547.02 |
| Tonkinese | $646.91 |
| Tonkinese Cross | $609.92 |
| Toyger | $720.02 |
| Turkish Angora | $720.02 |
| Unknown Cat Breed | $705.67 |
| Cat Breed | Average Accident & Illness Cost (Annual) |
|---|---|
| Abyssinian | $936.76 |
| Abyssinian Cross | $595.95 |
| American Bobtail | $853.38 |
| American Curl | $934.89 |
| American Short Hair | $853.38 |
| American Wirehair | $934.89 |
| Balinese | $915.21 |
| Birman | $962.12 |
| Birman Cross | $614.97 |
| Bombay | $906.43 |
| British Blue | $865.27 |
| British Blue Cross | Restricted breed |
| British Long Hair | $934.89 |
| British Short Hair | $906.43 |
| British Short Hair Cross | $614.97 |
| Burmese | $906.43 |
| Burmese Cross | $746.24 |
| Burmese European | Restricted breed |
| Burmilla | $906.43 |
| Burmilla Cross | $856.30 |
| Calico | $1,011.24 |
| Chantilly | $934.89 |
| Chartreux | $861.98 |
| Chinchilla | $931.79 |
| Chinchilla Cross | $860.11 |
| Chinese Li Hau | $1,128.00 |
| Colourpoint Shorthair | $962.12 |
| Cornish Rex | $962.12 |
| Cornish Rex Cross | $614.97 |
| Cymric | $934.89 |
| Devon Rex | $962.12 |
| Domestic Long Hair | $772.97 |
| Domestic Medium Hair | $772.97 |
| Domestic Short Hair | $772.97 |
| Egyptian Mau | $932.96 |
| Exotic Long Hair | $861.98 |
| Exotic Short Hair | $932.96 |
| Exotic Short Hair Cross | $570.59 |
| Havana Brown | $871.49 |
| Highland Fold | $861.98 |
| Highland Fold Cross | $570.59 |
| Himalayan | $931.79 |
| Isle of Man | Restricted breed |
| Javanese | $936.76 |
| Korat | $936.76 |
| LaPerm Long-Haired | $853.38 |
| LaPerm Short-Haired | $853.38 |
| Lynx Point | Restricted breed |
| Lynx Point Cross | Restricted breed |
| Maine Coon | $932.96 |
| Maine Coon Cross | $570.59 |
| Mandalay | Restricted breed |
| Manx Cross | $788.20 |
| Manx Long-Haired | $934.89 |
| Manx Short-Haired | $934.89 |
| Minskin | $871.49 |
| Munchkin Long-Haired | $741.77 |
| Munchkin Short-Haired | $741.77 |
| Nebelung | $871.49 |
| Norwegian Forest | $824.21 |
| Ocicat | $932.96 |
| Ocicat Cross | $570.59 |
| Oriental Cross | $883.78 |
| Oriental Long Hair | $871.49 |
| Oriental Short Hair | $936.76 |
| Persian | $931.79 |
| Persian Cross | $858.92 |
| Peterbald | $934.89 |
| PixieBob | $853.38 |
| Ragamuffin | $934.89 |
| Ragdoll | $865.27 |
| Ragdoll Cross | $838.28 |
| Rex Unknown | $934.89 |
| Russian | $936.76 |
| Russian Blue Cross | $784.40 |
| Scottish Fold Cross | $570.59 |
| Scottish Fold Long-Haired | $861.98 |
| Scottish Fold Short-Haired | $861.98 |
| Scottish Shorthair | $979.29 |
| Selkirk Rex | $890.63 |
| Si Rex | Restricted breed |
| Siamese | $936.76 |
| Siamese Cross | $817.93 |
| Siamese Lynx | Restricted breed |
| Siamese Oriental | $980.28 |
| Siamese Sealpoint | Restricted breed |
| Siberian | $890.63 |
| Siberian Forest Cat | $595.95 |
| Singapura | $931.79 |
| Snowshoe | $817.60 |
| Somali | $936.76 |
| Sphynx | $962.12 |
| Sphynx Cross | $614.97 |
| Tabby | $772.97 |
| Tonkinese | $936.76 |
| Tonkinese Cross | $883.78 |
| Toyger | $934.89 |
| Turkish Angora | $934.89 |
| Unknown Cat Breed | $1,092.32 |
If you've been finding it difficult to get pet insurance for an older cat we have a few options. Medibank, PIA and RSPCA can all cover your cat for accidents and some illnesses if they're older than 9.
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