Insuring your cat

 
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They have nine lives and are always landing on their feet! Cats have a lucky reputation but we know they’re not bulletproof. Pet insurance can take the financial sting out of vet treatment when your cat is sick or injured.

If a proud Persian or independent Tabby is part of your family, you share something in common with 27% of Australian households having cats.1 Around 68% of cat-owners visited a vet in the past year, with the average owner spending $371 on veterinary services2 with the typical reason being check-ups (53%), vaccination (56%), and illness or injury (16%).3

Pet insurance can help give cat owners a financial safety net, allowing you to keep most treatment options on the table if your pet has an accidental injury or illness, without worrying about the cost.
 

 
Pet Insurance provides a financial safety
Pet insurance provides a financial safety net for you if your cat falls ill or suffers an injury.

Vet bills can be expensive

Cats are adventurous pets and often unintentionally finding situations that could be dangerous! When there’s danger, there’s usually some kind of incident that requires an expensive vet visit!

Based on 2018-2019 claim statics from PetSure, for the pet insurance brands that Choosi compares, a bite injury from a dog could set you back as much as $2,750.01, treating a corneal ulcer can cost up to $3,298.67, while a skin condition like atopic dermatitis can cost up to $2,480.63.

Even something as innocent as playing with a piece of string can be dangerous. If the string is digested and surgical removal is required, you could face the costs of the operation, anaesthetic, medicines, overnight care, and follow-up appointments.


What does pet insurance offer?

Pet insurance can help take the financial stress out of your cat's treatment and give you the freedom to choose the best course of action.

If your cat has an accidental injury or illness that’s covered, you could be eligible to:

  • claim up to 85% of eligible vet bills, up to a maximum of $20,000 per year;*
  • cover your cat from as young as 8 weeks; and
  • use your own vet as long as they’re licensed to practice in Australia.

Pet insurance covering accidental injuries and illness

Features

Accidental injury and illness

Description Cover for accidental injuries in certain circumstances, and specified illnesses (except for pre-existing conditions)*
Entry age eligibility Minimum: 8 weeks old
Maximum: Younger than 9 or 16 years (depending on cover level)
Annual benefit limit Up to $20,000*
Maximum claim cover Up to 85%*
Waiting periods?
  • 30 days for illnesses (including tick paralysis)
  • 6 months on cruciate ligament injuries (may be waived on application at insurer's discretion)
  • 2 years for dental illness (available on certain policies only)
Covers accidental injury? Yes, in certain circumstances
Covers illnesses? Yes, except for some specified illnesses
Choice of your own vet? Yes, as long as your preferred vet is licensed to practice in Australia


* Pre-existing conditions and some illnesses are excluded. Benefit limits, sub-limits and annual condition limits may apply. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.


Choose the level of cover that suits you. Some benefits may be included, and some may be an optional extra you can add to your policy in order to give you more cover or allow you to claim for routine check-ups. For cats, these include:

  • Optional routine care

    Including this optional cover in your policy can help cover the cost of some routine health checks or procedures that are otherwise not covered, such as vaccinations, de-sexing, and worming. Be sure to check the relevant Policy Booklet and your Certificate of Insurance for specifics regarding routine care.

  • Emergency boarding

    Cover to help with the cost of boarding at a registered cattery up to an agreed amount, if you, the sole carer, are unexpectedly hospitalised, or need emergency accommodation due to family violence, for a specified period and are unable to care for your cat.

  • Essential euthanasia

    If a vet deems euthanasia an essential and humane treatment for your cat as a result of a condition covered under your policy, the benefit percentage will be covered up to your chosen benefit limit.

  • Paralysis ticks

    The paralysis tick toxin released from a tick bite is very serious and can cause paralysis in pets that can be fatal if untreated.4 The benefit percentage will be covered up to the specified sub-limit.


Cats make fun, long-term companions and can live for up to 20 years! If you’re considering pet insurance for your cat, it’s important to know that the premium for your policy will depend on the level of cover, your cat’s breed, age, and where you live, among other factors. You’ll be able to choose the level of cover which can help you find a policy in your budget.


Top 10 most common cat breeds for claims (Petsure Claim Statistics 2018-2019)

Breed No of claims
1 Domestic Short Hair 5,045
2 Tabby 1,550
3 Domestic Medium Hair 1,473
4 Domestic House Cat 1,260
5 Ragdoll 1,132
6 Burmese 918
7 Domestic Short Hair Cross 724
8 Pixie-Bob 681
9 Domestic Long Hair 584
10 Moggie 540

Top 10 most expensive claims by cat breed (Petsure Claim Statistics 2018-2019)

Cat breed
1 Domestic Short Hair
2 Tabby
3 Domestic Medium Hair
4 Domestic House Cat
5 Ragdoll
6 Burmese
7 Pixie-Bob
8 Domestic Short Hair Cross
9 Moggie
10 Domestic Long Hair


At Choosi, we know that figuring out the best pet insurance for your cat or dog can be time consuming and complex. Luckily, we do the hard work for you so you can choose the right cover for you and your cat. Choosi’s team of Choosers can be with you every step of the way. Request a quote or contact our team today.


* Pre-existing conditions and some illnesses are excluded. Benefit limits, sub-limits and annual condition limits apply. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.

References  

  1. Animal Medicines AustraliaPet Ownership in Australia 2019 Report, p.9
  2. Animal Medicines AustraliaPet Ownership in Australia 2019 Report, p.40
  3. Animal Medicines AustraliaPet Ownership in Australia 2019 Report, p.41
  4. Animal Welfare League NSWTicks


The pet insurance information provided on this website is based only on the pet insurance policies that Choosi can arrange. Choosi doesn’t provide information or offer cover for all products available in the market and there may be aspects to some products that Choosi doesn’t compare. Information on this website doesn’t take into account your personal objectives, financial situation or needs. You should consider the relevant Policy Booklet for more information and to ensure the product suits your needs.


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