Award winning pet insurance for your cat

  • Claim up to $11,000 per year
  • 10% multi-pet discount
  • A portion of first-year premiums help support the RSPCA
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RSPCA Pet Insurance provides cat health insurance cover for every cat. With three great-value plans to choose from – and no excess to pay, you’re sure to find the perfect plan for your cat’s needs – and your budget with the freedom to choose any licensed vet within Australia.

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What's covered

What is covered in all plans

  • Accidental injury
  • After-hours emergency visits
  • Lab and diagnostic tests^
  • Hospitalisation^
  • Radiology^
  • Medicine and drugs^
  • Cruciate ligament surgery (6 month waiting period, may be waived on application)

Only in Ultimate and Economy

  • Illnesses
  • Annual paralysis tick benefit
  • Cancer treatment
  • Skin conditions e.g. allergies

Exclusions

  • Pre-existing conditions that your pet showed clinical signs of before you took out the insurance
  • Dental procedures
  • Behavioural problems
  • Elective procedures
  • Food and diets
  • Grooming
  • Pregnancy
  • Pet accessories

Check out the list of all exclusions

Routine Care

By choosing our Ultimate plan, you can claim for these routine care benefits, if you add our optional Routine Care Cover:

  • Heartworm test or blood screen - $15 a year
  • FeLV/FIV test or urinalysis - $15 a year

Plus a $50 annual benefit for any one of these routine treatments:

  • De-sexing and Micro-chipping
  • Heartworm preventative medication
  • Teeth cleaning
  • Vaccinations
  • Council registration fees
  • Prescription diets
  • Alternative therapies

^ Will only be covered on the RSPCA Basic Accident Only Cover as a direct result of an accident.

How you can save on costs with cat insurance1

The below example is based on a 1 year old Australia Mist.

Ingestion of a foreign object
Costs to you without insurance

$1,148.50

Costs to you with insurance

$229.70 (after reimbursement of $918.80)

Jaw Trauma
Costs to you without insurance

$4,346.10

Costs to you with insurance

$869.22 (after reimbursement of $3,476.88)

Pneumonia
Costs to you without insurance

$3,169.84

Costs to you with insurance

$633.97 (after reimbursement of $2,535.87)

Total Vet Bills
Costs to you without insurance

$8,664.44

Costs to you with insurance

$1,732.89

Insurance premiums for one year
Insurance premiums for one year

 

Costs to you with insurance

$546.96

Total costs
Costs to you without insurance

$8,664.44

Costs to you with insurance

$2,248.24

Total saving
Costs to you without insurance

 

Costs to you with insurance

$6,416.20

1. Example based on a 1 year old, Australia Mist insured on the RSPCA Ultimate Accident and illness Cover. Industry example, vet costs may vary.

Esme

Meet Esme

“I adopted my cat ‘Esme’ in January 2012 and took RSPCA Pet Insurance not long after (even though I was told by a very-thorough Vet check that Esme was in great health). In October of the same year, we noticed that Esme wasn’t really eating and was developing a lump on her back thigh. Within 24 hours, she got worse so we started to panic and rushed her to the Vet to find out my naughty, little Esme was in a fight and ended up with a very large abscess on her back thigh.

She went in for immediate surgery and had the abscess drained. At the time, money was the last thing on my mind so paying the surgery upfront and for her post-op visits weren’t noticed until I received my credit card bill the next month. Then the weight of that debt really stressed me. In total, I had paid approximately $1500 for the surgery and post-op visits which is money I really couldn’t spare.

After filing my claim from RSPCA Pet Insurance, I must admit it was a HUGE weight lifted from my shoulders as I got around 80% back. I am very thankful for the quick process of my claim and the funds were received within days of posting my claim.

Esme has since been grounded and not allowed outside after dark but she has definitely returned to her healthy, happy self.

- Tiffany Simon

Frequently asked questions

Can pet insurance be transferred to a new owner?

1

Depending on your pet insurance provider, you may be able to transfer a current pet insurance policy to a new owner. That means if you’re adopting an animal or your pet is getting a different owner, you can continue your policy without interruption.

It’s best to speak with your current insurance provider to find out if this is an option on your current plan. Call RSPCA Pet Insurance on 1300 881 492 for more information.

Will pet insurance cover x-rays?

2

Yes, so long as the issue is not related to a pre-existing condition and the x-ray itself is not an elective decision, most pet insurance plans will cover a portion of x-ray expenses as part of their standard 'treatment' coverage.

More Information

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