--- title: "Cat Insurance" id: "187" type: "page" slug: "cat-insurance" published_at: "2025-11-17T06:31:57+00:00" modified_at: "2026-03-17T07:45:28+00:00" url: "https://rspcapetinsurance.org.au/cat-insurance/" markdown_url: "https://rspcapetinsurance.org.au/cat-insurance.md" excerpt: "Care made for every whisker Cats have a way of keeping life interesting. One minute they’re snoozing peacefully, the next they’re exploring a part of the house they probably shouldn’t. But when illness or injury strikes suddenly, the right cat..." --- # Cat insurance Informed by vets. Backed by the RSPCA. Adored by cats. [Get a quote](https://quote.rspcapetinsurance.org.au/) ## Care made for every whisker Cats have a way of keeping life interesting. One minute they’re snoozing peacefully, the next they’re exploring a part of the house they probably shouldn’t. But when illness or injury strikes suddenly, the right cat insurance can keep unexpected vet costs from catching you off guard. It helps to cover vet bills and supports your cat’s wellbeing when they need it the most. ## Why choose RSPCA Pet Insurance ### One simple plan you can shape around your feline friend Cat insurance should be simple. That’s why we offer one straightforward plan that you can customise to your cat’s needs and your budget. ### Built with insights from vets We work closely with trusted vets and animal health experts to make sure our cover reflects what truly matters for cats, not just what looks neat on a spreadsheet. ### Premiums with purpose RSPCA Pet Insurance premiums help to fund the RSPCA’s animal welfare mission, including rescuing, protecting, and caring for animals across Australia. So, while you’re looking out for your cat, you’re helping others land on their paws too. ### Clear cover you can count on Transparency is important to us. That’s why we don’t do sub-limits or fancy jargon. Just straightforward cat insurance that does exactly what it promises. ## How our cat insurance works Getting insurance for your cat shouldn’t be harder than convincing them to move off your laptop. That’s why we keep the process simple. From getting a quote, to managing your policy, we aim to keep things as effortless as a sunny afternoon cat nap. ### Our cat insurance includes cover for - Illness - Injury - Essential euthanasia - Emergency boarding ### Customise your cat’s cover to suit them and your budget #### Annual cover limit What is an annual cover limit?This is the maximum amount we’ll contribute towards your pet’s care per year. When choosing a cover limit, make sure it’s enough to cover the treatments your pet might need. #### Benefit percentage What is a benefit percentage?This is the portion of your vet bill your insurer will cover for an approved claim. With us, you can choose the percentage that works best for you. For example, if you pick a benefit percentage of 80%, we’ll cover 80% of the bill and you’ll pay the remaining 20%. 60% 70% 80% 90% #### Annual excess What is an annual excess?This is the amount you agree to pay towards your claims each year, before we step in to cover the rest. With us, you only pay one annual excess, not one for every claim, so it’s easier to focus on your pet’s care. $0 $100 $200 $300 $400 $500 #### Consultations What do you mean by ‘consultations’?This refers to your vet’s consultation fees. You can choose whether you’d like these fees to be covered, so you’re only paying for what matters to you and your pet. Yes No [Get my own quote](https://quote.rspcapetinsurance.org.au/) ### Enjoy even greater peace of mind Boost your cat’s cover with a range of optional extras. ### Dental illness Helps to cover issues that affect teeth, gums, and periodontal tissue, such as gingivitis, tartar and plaque, periodontal disease, gingival (gum) and other dental conditions. ### Supportive therapies Provides access to therapies like acupuncture, hydrotherapy, and therapeutic massage to help your pet recover from covered conditions. ### Behavioural conditions Covers unusual or excessive behaviours, like overeating, chewing or licking, pulling out fur, pacing, anxiety, aggression, or obsessive habits. ### Routine care Covers an annual health check, routine vaccinations, and microchipping if needed. ## We don’t do sub-limits With us, there are no extra limits for certain conditions. Simply claim up to your annual limit! ### Items Annual cover limit Benefit percentage Annual excess Total vet bill Sub-limit What is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. Claim payout ### RSPCA Pet Insurance Annual cover limit $25,000 Benefit percentage 80% Annual excess $0 Total vet bill $10,000 Sub-limitWhat is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. NONE Claim payout: $8,000 ### Claim with a sub-limit Annual cover limit $25,000 Benefit percentage 80% Annual excess $0 Total vet bill $10,000 Sub-limitWhat is a sub-limit?A sub-limit is the maximum amount an insurer will pay for a specific type of treatment or condition, like dental care or specialist procedures. $1,000 Claim payout: $1,000 An example of how a $1,000 sub-limit can affect cover for an Australian Ragdoll cat with a generic heart disease. Click here for a quick example ## Stay in the loop Join our quarterly newsletter for expert pet care tips, helpful advice, and exclusive offers. Sign up ## Pet Talk Visit our blog for expert tips, heartwarming stories, and helpful advice for every step of your pet parenting journey. [What vaccinations do dogs and cats need? A simple guide If you share your life with a dog or cat, vaccinations are one of… Read more](https://rspcapetinsurance.org.au/pet-talk/what-vaccinations-do-dogs-and-cats-need/) [How to groom your dog and why it’s important Grooming isn’t just about keeping your dog looking neat and tidy. It’s an important part of their overall health… Read more](https://rspcapetinsurance.org.au/pet-talk/how-to-groom-your-dog/) [How to choose the right dog harness for your pup Choosing the right dog harness isn’t just about colour or patterns. It’s really about comfort, safety, and helping your dog… Read more](https://rspcapetinsurance.org.au/pet-talk/how-to-choose-the-right-dog-harness/) ## Frequently asked questions ### How can I find the right insurance for my cat? The best pet insurance policy is the one that speaks directly to you and your cat’s needs. Always consider things like your annual cover limit, benefit percentage, excess, and any extra cover that’s available. Here at RSPCA Pet Insurance, we allow you to customise these key features to suit your cover needs and budget. ### Is my cat eligible for cover? To determine whether your cat qualifies for our cover, there are a few things we consider, like their age, breed, and overall health. Unfortunately, we don’t cover exotic pets, pets used for commercial work or sporting activities, or certain breeds classified as banned or dangerous. If you’re unsure whether your cat qualifies, [reach out to our team](https://rspcapetinsurance.org.au/contact-us/) . We’re happy to help provide some clarity. ### Are there any pets or breeds you don’t insure? We love all pets, but we currently only provide cover for cats and dogs. Unfortunately, we don’t cover breeds that are classified as banned, restricted, or dangerous. If you’re unsure whether your furry friend’s breed is covered, don’t worry, our customer care team is just a call away and happy to help. ### Is there a discount if I insure more than one pet? Definitely! If you insure more than one pet, you’ll enjoy a 10% discount on all subsequent pets, helping you keep all your pets protected without stretching your budget. [See more](https://rspcapetinsurance.org.au/faqs/) ## Get an RSPCA Pet Insurance policy Cover your cat. Help change a life. [Get a quote](https://quote.rspcapetinsurance.org.au/) Call me