Insuring your cat

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

If an affectionate kitty, proud Persian, or independent Tabby is part of your family, you share something in common with 3.3 million other Australians with cats.1

Unfortunately, one in five felines need medical attention from a vet every year. That’s a lot of cats and a lot of vet visits. Pet insurance gives pet owners a financial safety net, allowing you to keep most treatment options on the table if your pet has a serious injury or illness.

 
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 are expensive

Adventurous kitties - even in a loving and safe home - often manage to find danger. And unfortunately, vet services are expensive.

For example, if you don’t have pet insurance, just removing a tooth could set you back $924, treating bladder stones can cost close to $985, while removing a malignant skin mass can cost you a staggering $1,508.3

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 accident or illness that is covered, you could be eligible to:

  1. Claim up to 85% of eligible vet bills, to a maximum $14,000 per year*
  2. Pay no excess
  3. Cover your kitten from as young as 8 weeks
  4. Use your own vet so long as they are licensed in Australia

Types of pet insurance

Features

Accident Only

Accident & Illness

Description Covers your cat for injury that occurs from an accident in certain circumstances. This can include injuries from fights, snake bites, and broken bones. Cover for accidents in certain circumstances, as well as for specified covered illnesses except for pre-existing conditions.
Age eligibility 8 weeks old
No upper age limit
8 weeks old
Upper age limit of 9 years old
Maximum yearly benefit Up to $10,000* Up to $14,000*
Maximum claim cover Up to 80% Up to 85%
Excess to pay? No No
Waiting periods? No
Except 6 months on cruciate ligament injuries (may be waived on application at insurer's discretion)
No for accidents
Generally 30 days for illnesses
6 months on cruciate ligament injuries (may be waived on application at insurer's discretion)
Covers accidental injury? Yes, in certain circumstances Yes, in certain circumstances
Covers illnesses? No Yes, except for some specified illnesses
Limited to choice of vet? No, use your preferred vet licensed to practice in Australia No, use your preferred vet licensed to practice in Australia


*Pre-existing Conditions and certain illnesses are excluded, sub-limits may apply. Claim for reimbursement Please read the insurer's Product

Disclosure Statement for specific details of what is covered by the policy based on your selected level of cover.


Optional extras are available with your Pet Insurance policy for additional cover. For cats, these options include:
 

  • Routine Care

    Including this in your policy can cover some routine health checks or procedures that are otherwise not covered, such as vaccinations, de-sexing and worming. Be sure to check the PDS and your policy schedule 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 for a specified period and unable to care for your cat.

  • Essential Euthanasia

    If a vet deems euthanasia essential and humane for your cat, the benefit percentage will be covered up to your chosen benefit limit.

  • Paralysis Ticks

    Tick bites are 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.


A long term companion: cats can live for up to 20 years5

The premium for a policy will depend on the breed and age, among other factors. You will be able to choose the level of cover, and varying this can help you find a policy in your budget.


Top five most common breeds for claims6

Top five most expensive claims by breed6

Domestic Short Hair Norwegian Forest Cat Cross
Tabby American Maine Coon
Domestic Medium Hair Rex - Devon Si-Rex
Domestic House Cat Hybrid
Ragdoll Manx


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 certain illnesses are excluded, sub-limits may apply. Claim for reimbursement.

This is general information only and does not take into account your personal objectives, financial situation or needs. You should consider the relevant PDS available on this website prior to purchasing any product. Choosi offers insurance products from a range of brands but does not compare all products available in the market.

References  



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