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Cat Insurance

Cat insurance is there for your feline friend when they get sick or injured. Compare 13+ policies and pay less for vet bills.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

What's the best pet insurance for cats?

Our list of top pet insurers can make finding the best cover for your feline friend a little easier. Here's a quick overview of some of our top picks. Check out more best pet insurance options here.

Top Pick for

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Claim up to $25000 per year

Finder Exclusive: Get an online discount of 10% off your first year's premium. T&C's apply.

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What is cat insurance?

Dog and cat side by side
Cat insurance is a type of financial protection that helps lower vet bill costs. You usually pay a monthly fee of around $25 to $45 which covers you for a percentage of your cat's vet bills when they get sick or hurt. You can also get indoor cat insurance which usually only covers illnesses and specified injuries.
Hand holding money icon
Cat insurance policies generally pay between 80% and 100% of the vet bill. Most have a maximum amount you can claim per year of $15,000, though some can cover you for as much as $25,000.
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Keep in mind that when you first take out a policy, you'll have to serve a waiting period of around 30 days before you're covered for illnesses. However, accidents are usually covered straight away.

Compare more cat insurance plans

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
⭐Finder Exclusive: Enjoy 18% off your first year. Sign up using promo code FINDER18 by 30 June 2022. T&Cs apply.
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year’s premium. T&Cs apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
PD Deluxe Plan
$15,000
$15,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Elite Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Woolworths Comprehensive Cover
$2,000
$24,000
80%
80%
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Sign up before 30 June 2022 to get 10% off your first year. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetsOnMe Deluxe Plan
$15,000
$15,000
100%
100%
Get 2 months free if your pet is between 6-52 weeks old, or 1 month free if your pet is over 1 year old. T&Cs apply.
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Compare up to 4 providers

What does cat insurance cover?

A typical cat insurance policy can cover your cat for the following:

Ambulance with pet paw

Accidents

A low cover and cheap cat insurance policy will cover your cat for accidents, which can include car accidents, dog attacks and snake bites.

Vet building

Illnesses

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.

Animal vaccination

Routine care

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.

How much does cat insurance cost?

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 BreedAverage 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 ManRestricted breed
Javanese$621.59
Korat$621.59
LaPerm Long-Haired$585.19
LaPerm Short-Haired$585.19
Lynx PointRestricted breed
Lynx Point CrossRestricted breed
Maine Coon$619.12
Maine Coon Cross$369.99
MandalayRestricted 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 LynxRestricted breed
Siamese Oriental$625.59
Siamese SealpointRestricted 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 BreedAverage 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 CrossRestricted 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 EuropeanRestricted 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 ManRestricted breed
Javanese$936.76
Korat$936.76
LaPerm Long-Haired$853.38
LaPerm Short-Haired$853.38
Lynx PointRestricted breed
Lynx Point CrossRestricted breed
Maine Coon$932.96
Maine Coon Cross$570.59
MandalayRestricted 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 RexRestricted breed
Siamese$936.76
Siamese Cross$817.93
Siamese LynxRestricted breed
Siamese Oriental$980.28
Siamese SealpointRestricted 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
Methodology: We averaged the cost from 5 Australian pet insurance providers for accident and illness cover with zero out-of-pocket excess whenever possible. Quotes were taken in February 2022 for a male, desexed cat aged 1 year and 5 years. Prices are subject to change.

Pet insurance for older cats

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.

However, it's worth keeping the following in mind:

  • Sub-limits. If they do cover your cat, there will generally be an annual sub-limit per condition of around $1,000. So for instance, if your cat gets cancer, a policy will only pay $1,000 towards treatment.
  • Pre-existing conditions. Pet insurers don't cover pre-existing conditions. This can be anything that your cat had before you bought a policy.

Your questions about cat insurance answered

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