Cat Insurance

Cat insurance is there for your feline friend when they get sick or injured. Compare 10+ policies and pay less for vet bills.

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Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Want a $100 PETstock e-voucher? Plus, health members save 10% every year. Sign up using promo code PET100. Ends 19 Oct 2021. T&Cs apply. Visit our website to find out more.
Budget Direct Pet Insurance
$12,000
$1,500
$12,000
80%
80%
Get 15% off on your first year’s premium when you buy online.
PD Deluxe Plan
$15,000
$2,300
$15,000
100%
100%
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Petsy Cat Accidental Injury and Illness Cover  (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$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.
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Compare up to 4 providers

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.

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 96 different breeds and calculated that cat insurance costs around $25 (for an accident-only policy), $40 (for accident and illness) and $46 (for comprehensive) a month. This is based on a 1-year-old cat. Remember costs will likely differ a little depending on your cat's health, age, breed and where you live. You can find out more about average pet insurance costs here.

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.

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.

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