Pet Insurance Worth it for Cats?

Pet Insurance Australia takes an in-depth look into cat insurance. Plus; some insights into the cost of cat treatments and how to find pet insurance to suit you and your feline friend.

Just like our canine companions, our feisty feline friends have also entwined themselves into our lives to become a trusted and loved family member. Like with all members of the family we strive to keep them safe, no matter what may occur.

Due to veterinary treatments advancing rapidly over the past 10years, conditions that were once deemed incurable are now more easily treated. However, this treatment comes at a high cost. Remembering that your humble veterinarian is also, in most cases, a surgeon, radiographer, laboratory technician, your pet’s general practitioner and even a top-quality specialist.

Unlike human medicine, the veterinary sector is not subsidised. Meaning that 100% of the costs and overheads of running a high-tech modern veterinary clinic will be passed onto the pet owner. This can leave many owners feeling a hard hit in their hip-pocket when dealing with an emergency or a very sick pet. This is where cat insurance can help you and your feline friend.

The total amount of the surgery, rehab and hospital costs will need to be paid directly by the owner of the pet. Some of these costs may include*;

• Cost of surgery
• Anaesthetic costs
• Hospital stays
• Medication
• Lab testing
• Radiography
• MRI
• And more depending on your pet’s condition

*Note not all costs and conditions are covered by Pet Insurance. Refer to your Product Disclosure Statement for further information including limits, general exclusions and pre-existing conditions.

Why cat insurance?

Pet insurance can help ease the financial burden during a stressful situation when it comes to the wellbeing of your cat. Pet Insurance Australia offers pet insurance for cats that can save you up to 80% of your eligible veterinary bills.

This means that on a high-end procedure costing upwards of $12,000, with adequate pet insurance for cats,you could save up to 80% on these eligible costs, depending on the type of cover, limits, exclusionsand pre-existing conditions.

Most pet owners are completely unaware of how expensive procedures can cost until an emergency strikes. Below is an estimate as at <<insert date>>of how much some procedures can cost. These prices will vary from veterinary clinic to veterinary clinic.

TOP 5 Kitten Claims*
Diarrhoea – $100 – $600
Conjunctivitis – $100 – $900
Lethargy – $350 – $2,500
Foreign Object – $500 – $4,500
Eye Conditions – $100 – $350

TOP 5 Major Cat Surgeries*
Cat Bite Abscess (CBA) – approx. $200 – $1200
Bite Injury – approx. $300 – $900
Wound Laceration – approx. $300 – $1,500
Abscess (other) – approx. $200 – $1200
Desexing – approx. $50 – $750

Approx Cost of Top Claims*
Gastric Dilation – $1,500 – $8,500
Elbow Dysplasia – $1,200 – $4,500
Peritonitis – $1,000 – $7,000
Cataract – $1,000 – $8,000
Intervertebral disc – $1,000 – $10,000
Cruciate ligament – $1,000 – $7,000
Gallbladder – $1,000 – $10,000
Adenocarcinoma Pulmonary (lung) -$1,000 – $5,000
Envenomation – $1,000 – $4,000
Ingestion of a Foreign object – $1,000 – $12,000

*Note not all costs and conditions are covered by Pet Insurance. Refer to your Product Disclosure Statement for further information including limits, general exclusions and pre-existing conditions.

How Much is catInsurance?

The cost of cat insurance can vary from provider-to-provider and for the special needs of your cat and particular breed and lifestyle. To ensure you find a pet insurance policy that suits you and your cat,you can start by getting a pet insurance quote and taking the time to read and understand the fine print of each policy you are considering.

What is covered by cat insurance?

This will also depend on your level of cover. At Pet Insurance Australia we offer three levels of cover:

• Accidental Injury Cover for Cats
• Accidental Injury and Illness Cover for Cats
• Accidental Injury and Illness Cover PLUS Routine Care Cat Insurance Cover

You can tailor a cat insurance package that will suit your pet and their insurance needs.

*PIA’s Accident Plan was discontinued in August 2019. All PIA plans are now Illness & Accidental Injury.

We offer award-winning* pet insurance policies to protect your furry friend’s health and wellbeing. Get a quote today and give your pets the care they deserve.