Introducing our new partnership with Mr. Fothergill's
Petcover is thrilled to announce a very special partnership with Mr. Fothergill’s.
Read moreAward-winning Cat Insurance Australia
- Up to $15,000 in vet bills with up to 100% of vet bills covered
- Range of cat insurance plans for all budgets
- Easy claims process
- Over 200,000 pets insured Australia-wide
- Join today and get 4 weeks free - use code: C4WF21*
Comprehensive Pet Insurance for Cats Across Australia
Cat and kitten insurance that covers all the bases
With more than 40 years in the business, our knowledge and friendly service is second to none.
Our expert team of pet specialists ask you the right questions from the beginning in order to provide you with the best and most appropriate support for your pets’ needs. This minimises any cover restrictions and protects you from any unexpected surprises, especially those financial ones that can happen with vet fees.
Join over 200,000 Australians who have chosen Petcover as their preferred pet insurer.
Multiple plans to choose from – Vet-endorsed pet insurance – Canstar award-winning
No waiting periods on injuries – Easy claims process – Multi-pet discount available – Specialist pet experts – Veterinary-trained Claims team
Petcover-Australia-award-winning-pet-insurance-700x440-1
We're a multi award-winning service
Created by international pet industry experts with more than 40 years of experience in pet care, Petcover has always been at the forefront of Australia’s pet industry market, winning many Canstar Awards over several years. Our founders, animal lovers Doug and Gwen Ford, have used their extensive knowledge and expertise to aid as many pets across the country as possible.
View our comprehensive
range of cat insurance plans
A comprehensive range of cat insurance plans
has been tailored to suit all needs and budgets.
Insuring your cat has never been easier.
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.
Benefits
-
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.)
-
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.)
-
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
-
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
(3+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+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
Benefits
-
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.)
-
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
(3+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+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
Benefits
-
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
(3+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+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
Benefits
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
(3+ eligible pets)
(3+ eligible pets)
(3+ eligible pets)
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+35% (10+ years)
$125
$125+20% (8+ years)
$125+35% (10+ years)
$125
$125+20% (8+ years)
$125+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.
Benefits
-
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
(3+ 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
-
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
Optional extras
-
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
Dog 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
Benefits
-
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
(3+ 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
-
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
Optional extras
-
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
Dog 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
Benefits
-
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
(3+ 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
-
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
Optional extras
-
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
Dog 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
Benefits
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
(3+ eligible pets)
(3+ eligible pets)
(3+ 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
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
Optional extras
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
Dog 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
Dog 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
Dog 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
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
Dog 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
Dog 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
Dog 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
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.
Benefits
-
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
(3+ eligible pets)
-
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+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
Benefits
-
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
(3+ 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
Benefits
-
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
(3+ 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
Benefits
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
(3+ eligible pets)
(3+ eligible pets)
(3+ eligible pets)
Fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy.
$125
$125+20% (8+ years)
$125+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 consider the policy wordings before making a decision to purchase the product.
Cat insurance policy information
View the cat insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs.
Target Market Determination (TMD) for Cat Insurance effective from 30 June 2023 are available to view and download:
Superior plans (Effective from 30 June 2023) | Mid-range plans (Effective from 30 June 2023) | Safety-net economy plans (Effective from 30 June 2023) | Safety-net catastrophe 1 & 2 plans (Effective from 30 June 2023)
Target Market Determination (TMD) for Cat Insurance effective from 1st January 2023 to 29 June 2023 are available to view and download:
Superior plans (Effective 1 January 2023 to 29 June 2023) | Mid-range plans (Effective 1 January 2023 to 29 June 2023) | Safety-net economy plans (Effective 1 January 2023 to 29 June 2023) | Safety-net catastrophe 1 & 2 plans (Effective 1 January 2023 to 29 June 2023)
*C4WF21 Promotion Terms & Conditions: This promotion entitles you to an additional 4-weeks free on your Petcover quote for a cat, dog or exotic animal. The discount will be applied automatically for you. Offer cannot be used in conjunction with any other promotions or discounts. Please note, this offer is only available to new policies purchased. Offer may be withdrawn at any time.
Petcover-Australia-mainecoon-cat-insurance-700x440
Different cat meow meanings
It is believed by many scientists that Cats have come to understand that these forms of communication do not work with humans. So they have created a ‘meow’ language to interact with us.
Not only do cat’s meow for our attention, each meow is trying to tell us something. So it is important to understand what your cat may be trying to tell you.
Bringing home a new Kitten?
Are you ready to bring home your new kitten?
Get yourself sorted with our fool proof guide
to welcoming your newest furry family member
into your home.
We have put together all you need to know
when you bring home a kitten.