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Top 3 things to know about cat insurance


Insurance for the unexpected and more

Pet insurance for cats offers coverage for accidental injuries and illnesses, plus routine care as an optional extra.

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Protect your cat for life

You can cover your feline for life if they’ve been insured before age nine and there are no breaks in cover.

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Get reimbursed for some or all expenses

Pet insurance can cover 70-90% of your eligible vet bills – up to an annual limit.

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A guide to pet insurance for cats

Updated 28 May 2024
Written by Eliza Buglar
Reviewed by Adrian Taylor

Expert tips for finding the right pet insurance for you

Our resident pet insurance expert, Adrian Taylor, has some helpful tips for pet owners looking to insure their cat or those switching to a new policy.

Adrian Taylor
Executive General Manager – General Insurance

Insure your pet early

Get pet insurance for your cat when they’re a kitten or before they develop health conditions that insurers may treat as pre-existing conditions to exclude from cover. It’s recommended to insure your furry friend within their first year.

Increase your excess to reduce your premiums

You can save on your pet insurance premiums by simply increasing your excess. While this means you pay less in monthly premiums, you would pay a higher excess if you make claim. This can yield immediate and long-term savings, but it’s not suitable for all pet owners. You can always re-adjust your excess to pay higher premiums later if you wish. Read your pet’s policy terms for the full details.

What is cat insurance?

A cat insurance policy is simply pet insurance cover for your feline. It can pay a portion of eligible vet expenses if your cat gets sick or injured. Pet insurance will reimburse some of your cat’s medical expenses up to an agreed amount each year. You may have to pay the entire vet bill upfront and make a claim with your insurance provider for reimbursement after.

Types of pet insurance for cats

There are typically three levels of pet insurance available, with some insurers offering optional extras that you can add to your policy for further cover (at an additional premium).


Accident-only cover is the lowest level of cover that insures your pet for accidental injuries only. This may include cuts, bone fractures, car accident injuries, snake/insect bites and more.

Accident and illness

Accident and illness cover is a standard policy that covers some vet costs for specified accidental injuries and illnesses like skin conditions, gastrointestinal problems, cancer and more. Select policies may also include emergency boarding.


As the highest level of pet cover, comprehensive insurance can cover a higher portion of your vet bills for a wide range of accidents and illnesses your cat might encounter.

Optional extras

Routine care is a common optional extra that covers vet consultations and preventative treatments like vaccinations and teeth cleaning.


How pet insurance for cats works

Benefit percentage

Benefit limits and sub-limits

Policy excess

How much does cat insurance cost?

More information

What does cat insurance exclude?

What if my cat is injured or falls ill during the waiting period?

Can I insure my cat for life?

Meet our pet insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance, Adrian Taylor knows that dogs and cats get themselves into all sorts of mischief. One part of Adrian’s work is to help empower consumers to understand how pet insurance can help save them from exorbitant vet bills when their pet gets injured or falls ill.

Obtained from completed quotes on our comparison service. The cheapest quote was for a young (< 1 year old) Ragdoll cat, de-sexed, in Brisbane. The dearest quote was for a senior Burmese cat (> nine years old), de-sexed, in Sydney, with the highest possible benefit percentage and highest annual limit, and all options included (26 April 2023).