Pet insurance or saving: what’s the better choice?
Pet insurance or savings? Discover which option truly protects you from unexpected vet bills.
Read moreAward-winning cat insurance
- Up to $15,000 cover for eligible vet bills
- Choice of policies, including covered for life
- Up to 100% of eligible vet bills covered
Cats bring joy and playful mischief into our lives, but their curiosity can lead to unexpected accidents. Even though it may seem like they have nine lives, having cat pet insurance means they’re protected for every one of them. With Petcover Australia, you can relax knowing your cat is covered from surprise vet bills and ready for all their adventures.
Bengal cat stretches out on the sofa while sunbathing
Why choose Petcover cat insurance?
Join the 250,000 pet owners who’ve trusted us to keep their cats happy and healthy.
With no waiting periods for injuries and a simple claims process, insuring your pet cat is easy. Plus, our vet-approved policies and expert support means your feline friend always receives top-quality care.
A person in a gray sweater gently holding an orange tabby cat’s face, softly squishing its cheeks while the cat sits calmly with its eyes closed.
Our cat insurance can include
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- Lifetime continuous cover – Claim for ongoing treatment of illness or injury throughout your cat’s life, with no break in cover.
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- Veterinary fees – Covers eligible vet treatment for injury, accident, or illness.
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- Alternative and complementary treatment – Covers vet fees and therapies like acupuncture or hydrotherapy.
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- Death from illness or injury – Financial support to help ease unexpected costs during a difficult time.
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- Boarding fees – Help with the cost of caring for your cat if you’re in hospital.
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- Advertising and reward – Helps cover advertising and reward costs if your cat is stolen or goes missing.
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- Loss by theft or straying – Covers your cat’s value if they’re stolen or go missing and aren’t returned.
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- Holiday cancellation – Help with lost travel and accommodation costs if your cat needs lifesaving care.
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- Quarantine expenses and loss of documents – Support for quarantine costs, replacing lost documents, and extra travel expenses caused by delays.
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- Multi-pet discount – Cover the cost of multiple pets.
Do I need pet insurance for a cat?
Cat insurance for a cat is a smart choice when you bring a cat into your home. Cats can face unexpected illnesses or accidents that lead to pricey vet bills. Having insurance helps cover those costs, so your cat gets the care they need without breaking the bank.
Cat insurance can cover you for:
Illness
Even the healthiest cats can fall ill, from common ailments like respiratory infections to more serious conditions like kidney disease. Veterinary treatments can be expensive, but with cat insurance, you’re protected against high costs, allowing you to focus on your cat’s recovery without the financial worry.
Injury
Cats are curious by nature, which sometimes leads to injuries, whether from a fall, a fight or an accident. Cat insurance covers emergency vet visits and treatments, taking care of unexpected costs.
Medical Procedures
Some cats require specialised medical procedures, from routine surgeries to more complex treatments. These can be expensive, but with cat insurance you’ll be able to get the care your cat needs for a speedy recovery.
How does cat insurance work?
Simply choose a policy that fits your cat’s needs and stay on top of your premium payments. If your cat needs to visit the vet, you’ll usually pay the bill upfront and then file a claim with us afterwards. Before making a claim, check your excess (this is the amount you pay towards a claim) to make sure it’s worth claiming for.
For larger bills, we can sometimes pay the vet directly.
How much does cat insurance in Australia cost?
The cost of cat insurance in Australia varies depending on your cat’s breed, age, health and cover level. Affordable ‘Umbrella for life’ policies start from as little as $28.88†
Can I get insurance for my older cat?
Yes, you can insure an older cat. However, because older cats are more likely to have existing health conditions, your options may be limited, and the cost could be high. Even with these challenges, insurance can still cover unrelated vet bills and more.
At Petcover, you can insure your kitten from 8 weeks old, or your cat up until their 8th birthday.
How to choose the right cat insurance for your pet
To choose the right cat insurance policy, compare our different plans, compare our different plans, looking at cover options, exclusions and premium costs. Make sure to select a policy that covers your cat’s specific needs, offering the best balance between cost and cover. If in doubt, contact our friendly team and they will point you in the right direction.
Do indoor cats need insurance?
Yes, pet insurance is worth it for an indoor cat. While they face fewer risks, they can still develop illnesses and have accidents. With cat insurance you’re prepared for any unexpected vet bills so your cat can receive the best care.
Is Petcover cat insurance the same as Petplan cat insurance?
Yes, Petcover and Petplan Australasia merged in 2021. Petcover continues to offer comprehensive policies and the same great customer service that Petplan was known for.
Read the Target Market Determination (TMD) documents to ensure our policies fit your needs. These documents explain who the policy is for and how it should be used, so you don’t end up with cover that’s not right for you.
Policies bought on or after 27 November 2024:
- Superior plan TMD
- Mid-range plan TMD
- Safety-net (Economy) plan TMD
- Safety-net (Catastrophe 1 & 2) plan TMD
Policies bought between 12 September – 26 November 2024:
- Superior plan TMD
- Mid-range plan TMD
- Safety-net (Economy) plan TMD
- Safety-net (Catastrophe 1 & 2) plan TMD
Policies bought between 30 June 2023 – 11 September 2024:
- Superior plan TMD
- Mid-range plan TMD
- Safety-net (Economy) plan TMD
- Safety-net (Catastrophe 1 & 2) plan TMD
Policies bought between 1 January – 29 June 2023:
† Prices are accurate at the time of publishing. Monthly premiums for a 1-year-old Golden Tabby range between $28.88/month with the ‘Core’ plan.