Award-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
- Manage your policy and claims online
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.
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.
Find the right cat insurance
Superior – the most comprehensive insurance cover offered, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.
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Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
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Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $15,000
(As shown in the Certificate of Insurance.)
-
Alternative and complementary treatment (within veterinary fee limit)
The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.
Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
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Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $2,000
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Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $2,000
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $2,000
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.
Up to $2,000
-
Loss by theft or straying
Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.
Up to $2,000
-
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $2,000
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
-
Emergency repatriation
Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
-
Multi-pet discount
Cover the cost of multiple pets
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years) -
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
-
Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $10,000
(As shown in the Certificate of Insurance.)
-
Alternative and complementary treatment (within veterinary fee limit)
The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.
Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
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Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,500
Optional extra benefit -
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,500
Optional extra benefit -
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.
Up to $1,000
-
Loss by theft or straying
Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.
Up to $1,500
Optional extra benefit
-
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $500
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
-
Emergency repatriation
Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
-
Multi-pet discount
Cover the cost of multiple pets
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years) -
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
-
Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $9,000
(As shown in the Certificate of Insurance.)
-
Alternative and complementary treatment (within veterinary fee limit)
The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.
Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
-
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,500
Optional extra benefit -
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,500
Optional extra benefit -
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.
Up to $1,000
-
Loss by theft or straying
Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.
Up to $1,500
Optional extra benefit -
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $500
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
-
Emergency repatriation
Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
-
Multi-pet discount
Cover the cost of multiple pets
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years) -
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Superior
Mid-point
Entry
Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $15,000
(As shown in the Certificate of Insurance.)
Up to $10,000
(As shown in the Certificate of Insurance.)
Up to $9,000
(As shown in the Certificate of Insurance.)
Alternative and complementary treatment (within veterinary fee limit)
The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.
Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $2,000
Up to $1,500
Optional extra benefit
Up to $1,500
Optional extra benefit
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $2,000
Up to $1,500
Optional extra benefit
Up to $1,500
Optional extra benefit
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $2,000
Up to $500
Up to $500
Advertising and reward
Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.
Up to $2,000
Up to $1,000
Up to $1,000
Loss by theft or straying
Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.
Up to $2,000
Up to $1,500
Optional extra benefit
Up to $1,500
Optional extra benefit
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $2,000
Up to $500
Up to $500
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
Up to $1,000
Up to $1,000
Emergency repatriation
Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
Up to $500
Up to $500
Multi-pet discount
Cover the cost of multiple pets
(2+ eligible pets)
(2+ eligible pets)
(2+ eligible pets)
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
8 weeks up until 8th birthday
8 weeks up until 8th birthday
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Mid-range – the most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your cat’s needs.
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Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.) -
Cruciate ligament benefit
The maximum benefit you can claim for on this condition under this policy.
Up to $3,000
-
Vet consultations
Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.
Up to $400
-
Paralysis tick
Means the maximum benefit you can claim for on this condition under this policy.
1st claim up to $2,000 | Subsequent claims up to $1,000
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $5,000
Annual sub limit
-
Hip dysplasia
The maximum benefit you can claim for this condition under this policy.
Up to $4,000
Annual sub limit
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
Annual sub limit
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
-
Saying goodbye to your pet
The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.
Up to $300
-
Multi-pet discount
(2+ eligible pets)
-
Co-payment options
Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).
Option 1: 10% | Option 2: 20% | Option 3: 30%
-
Excess options
The non-refundable amount you will be required to pay for claims covered under this policy.
Option 1: $0 | Option 2: $100 | Option 3: $200
-
Day to day care
The maximum benefit you can claim for this condition under this policy.
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centreAnnual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45 -
Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
-
Excess applicable (optional day to day care benefit)
NIL
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
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Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
-
Cruciate ligament benefit
The maximum benefit you can claim for on this condition under this policy.
Up to $2,500
-
Vet consultations
Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.
Up to $400
-
Paralysis tick
Means the maximum benefit you can claim for on this condition under this policy.
1st claim up to $2,000 | Subsequent claims up to $1,000
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $5,000
Annual sub limit
-
Hip dysplasia
The maximum benefit you can claim for this condition under this policy.
Up to $4,000
Annual sub limit
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
Annual sub limit
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
-
Saying goodbye to your pet
The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.
Up to $300
-
Multi-pet discount
(2+ eligible pets)
-
Co-payment options
Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).
Option 1: 10% | Option 2: 20% | Option 3: 30%
-
Excess options
The non-refundable amount you will be required to pay for claims covered under this policy.
Option 1: $0 | Option 2: $100 | Option 3: $200
-
Day to day care
The maximum benefit you can claim for this condition under this policy.
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centreAnnual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45 -
Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
-
Excess applicable (optional day to day care benefit)
NIL
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
-
Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
-
Cruciate ligament benefit
The maximum benefit you can claim for on this condition under this policy.
Up to $1,500
-
Vet consultations
Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.
Up to $400
-
Paralysis tick
Means the maximum benefit you can claim for on this condition under this policy.
1st claim up to $2,000 | Subsequent claims up to $1,000
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $5,000
Annual sub limit
-
Hip dysplasia
The maximum benefit you can claim for this condition under this policy.
Up to $4,000
Annual sub limit
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
Annual sub limit
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
-
Saying goodbye to your pet
The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.
Up to $300
-
Multi-pet discount
(2+ eligible pets)
-
Co-payment options
Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).
Option 1: 10% | Option 2: 20% | Option 3: 30%
-
Excess options
The non-refundable amount you will be required to pay for claims covered under this policy.
Option 1: $0 | Option 2: $100 | Option 3: $200
-
Day to day care
The maximum benefit you can claim for this condition under this policy.
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centreAnnual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45 -
Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
-
Excess applicable (optional day to day care benefit)
NIL
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate ligament benefit:
6 months
Key
Vital
Core
Umbrella for life
Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Cruciate ligament benefit
The maximum benefit you can claim for on this condition under this policy.
Up to $3,000
Up to $2,500
Up to $1,500
Vet consultations
Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.
Up to $400
Up to $400
Up to $400
Paralysis tick
Means the maximum benefit you can claim for on this condition under this policy.
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $5,000
Annual sub limit
Up to $5,000
Annual sub limit
Up to $5,000
Annual sub limit
Hip dysplasia
The maximum benefit you can claim for this condition under this policy.
Up to $4,000
Annual sub limit
Up to $4,000
Annual sub limit
Up to $4,000
Annual sub limit
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
Annual sub limit
Up to $500
Annual sub limit
Up to $500
Annual sub limit
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $500
Up to $500
Up to $500
Saying goodbye to your pet
The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.
Up to $300
Up to $300
Up to $300
Multi-pet discount
(2+ eligible pets)
(2+ eligible pets)
(2+ eligible pets)
Co-payment options
Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Excess options
The non-refundable amount you will be required to pay for claims covered under this policy.
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Day to day care
The maximum benefit you can claim for this condition under this policy.
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centre
Annual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centre
Annual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45
$50 Annual benefit for only one (1) of the following:
De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Training at a recognised training centre
Annual Benefit for all of the following:
Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45
Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
Excess applicable (optional day to day care benefit)
NIL
NIL
NIL
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
8 weeks up until 8th birthday
8 weeks up until 8th birthday
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate ligament benefit:
6 months
Safety-net – accidents or illness can happen at any time, the Catastrophe and Economy policies provide cover for your cat when emergency treatment is needed.
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Umbrella for life
Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
–
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $7,000
Annual benefit limit(As shown in the Certificate of Insurance.)
-
Benefit percentage back on vet fees (under 8 years of age)
Reimbursement percentage back on eligible claims.
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65% -
Vet consultations
The maximum benefit you claim for veterinary costs declared as consultation fees.
–
-
Alternative and complementary treatment
The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.
Up to $1,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).
-
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,000
Optional extra benefit
-
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,000
Optional extra benefit
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $1,000
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.
Up to $1,000
-
Loss by theft or straying
Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.
Up to $1,000
Optional extra benefit
-
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $1,000
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
-
Emergency repatriation
Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
-
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
The maximum benefit you can claim on these conditions under this policy.
–
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
–
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
–
-
Brachycephalic airway obstruction
Means the maximum benefit you can claim on this condition under this policy.
–
-
Multi-pet discount
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years) -
Veterinary fees fixed excess options
–
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks – no limit
-
Waiting periods
riodIs the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
-
Umbrella for life
Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.) -
Benefit percentage back on vet fees (under 8 years of age)
Reimbursement percentage back on eligible claims.
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65% -
Vet consultations
The maximum benefit you claim for veterinary costs declared as consultation fees.
Up to $400
-
Alternative and complementary treatment
The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.
–
-
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
–
-
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
–
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
–
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.
–
-
Loss by theft or straying
Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.
–
-
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
–
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
–
-
Emergency repatriation
Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.
–
-
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
The maximum benefit you can claim on these conditions under this policy.
Up to $1,500
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $2,500
-
Brachycephalic airway obstruction
Means the maximum benefit you can claim on this condition under this policy.
Up to $3,000
365 day waiting period
-
Multi-pet discount
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
–
-
Veterinary fees fixed excess options
$450 or $900
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
riodIs the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
-
Umbrella for life
Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
-
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.) -
Benefit percentage back on vet fees (under 8 years of age)
Reimbursement percentage back on eligible claims.
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65% -
Vet consultations
The maximum benefit you claim for veterinary costs declared as consultation fees.
Up to $400
-
Alternative and complementary treatment
The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.
–
-
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
–
-
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
–
-
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
–
-
Advertising and reward
Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.
–
-
Loss by theft or straying
Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.
–
-
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
–
-
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
–
-
Emergency repatriation
Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.
–
-
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
The maximum benefit you can claim on these conditions under this policy.
Up to $3,000
-
Skin conditions
The maximum benefit you can claim for this condition under this policy.
Up to $500
-
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
Up to $5,000
-
Brachycephalic airway obstruction
Means the maximum benefit you can claim on this condition under this policy.
Up to $6,000
365 day waiting period
-
Multi-pet discount
(2+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
–
-
Veterinary fees fixed excess options
$450 or $900
-
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks up until 8th birthday
-
Waiting periods
riodIs the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
Economy
Catastrophe 1
Catastrophe 2
Umbrella for life
Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.
–
Veterinary fees
Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.
Up to $7,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)
Benefit percentage back on vet fees (under 8 years of age)
Reimbursement percentage back on eligible claims.
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%
Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%
Vet consultations
The maximum benefit you claim for veterinary costs declared as consultation fees.
–
Up to $400
Up to $400
Alternative and complementary treatment
The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.
Up to $1,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).
–
–
Death from illness
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,000
Optional extra benefit
–
–
Death from injury
Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.
Up to $1,000
Optional extra benefit
–
–
Boarding fees
Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.
Up to $1,000
–
–
Advertising and reward
Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.
Up to $1,000
–
–
Loss by theft or straying
Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.
Up to $1,000
Optional extra benefit
–
–
Holiday cancellation
Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.
Up to $1,000
–
–
Quarantine expenses and loss of documents
Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.
Up to $1,000
–
–
Emergency repatriation
Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.
Up to $500
–
–
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
The maximum benefit you can claim on these conditions under this policy.
–
Up to $1,500
Up to $3,000
Skin conditions
The maximum benefit you can claim for this condition under this policy.
–
Up to $500
Up to $500
Cancer treatment
The maximum benefit you can claim for this condition under this policy.
–
Up to $2,500
Up to $5,000
Brachycephalic airway obstruction
Means the maximum benefit you can claim on this condition under this policy.
–
Up to $3,000
365 day waiting period
Up to $6,000
365 day waiting period
Multi-pet discount
(2+ eligible pets)
(2+ eligible pets)
(2+ eligible pets)
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)
–
–
Veterinary fees fixed excess options
–
$450 or $900
$450 or $900
Age limits (first time cover)
When your cat is eligible for cover.
8 weeks – no limit
8 weeks up until 8th birthday
8 weeks up until 8th birthday
Waiting periods
riodIs the initial period during which no benefit is payable for the mentioned conditions.
Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate Ligament benefit:
6 months
Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.
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.
* This offer applies to customers who take out a new cat or dog insurance policy. 5% discount is only available through our call centre with the promotional code ‘CN5’.