Pet Insurance for Cats

Simple cat insurance with a soft landing, like puss’s paws.

Buy your policy online and get the first month free*

(Purr)fect Cat Insurance

Looking to compare pet insurance for cats across Australia, to find something simple yet effective?

Look no further - PD Insurance knows your cat is a treasured family member. The best cat insurance is what they deserve. The last thing you want to worry about is affording medical treatment in their hour of need.

Our pet insurance for cats helps protect your fur baby during and after accidents, injuries and illnesses.
For an affordable premium, we take the stress out of pet parenting by enabling you to make fast, care-based (not cost-based) health decisions.

And our Classic and Deluxe plans also have a Wellness Benefits package add-on, covering costs when your cat is well. Compare pet insurance for cats here now and ensure your furry soft landing.

Month-to-Month Payment

Get total flexibility with our month-to-month payment option. No lock-in contracts or cancellation fees. It works just like a subscription. Easy.

Multiple Pet Discount

Enjoy our 5% multiple pet discount when you add two or more pets to a policy. Get a discount on your base insurance premium!

Liability Cover

Our pet insurance for cats protects against damage your feline friend causes to other people or their property. Enjoy total peace of mind.

Compare Pet Insurance for Cats

$5,000

Defined Benefit Limit

Accident Plan

Most Affordable

Main Benefits
Accident Cover
Illness Cover
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective
Procedures
Abscesses
Gingivitis
Tooth removal
where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefit (not available on this plan)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

$10,000

Defined Benefit Limit

Classic Plan

Most Value

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective Procedures
Abscesses
Gingivitis
Tooth removal where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefit (available at an extra premium)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

$15,000

Defined Benefit Limit

Deluxe Plan

Most Comprehensive

Main Benefits
Accident Cover
Illness Cover*
Hereditary Conditions Cover
Third Party Liability
Prescribed Medication
Radiology
Pathology
Operating Theatre Costs
Hospitalisation
Tick Paralysis
Non-Elective Euthanasia
Other Costs – Vet Visits & Medically Required Non-Elective Procedures
Abscesses
Gingivitis
Tooth removal where it’s medically required
Cavities
Tooth fracture
Dental disease as a result of infection
Retained deciduous teeth
Wellness Benefit (available at an extra premium)
Advertising & Reward
Boarding fees
Cremation
De-sexing and Microchipping
Replacement for loss due to illness
Vaccination

Things You Need To Know

Finding the best pet insurance for cats can be confusing - we get it.
Read these explanations to understand exactly what you get from your cat insurance policy with us.

Defined Benefit Limit

This refers to the total amount we’ll pay in a year towards your cat's claimable expenses. For example, if you take out our Deluxe Plan you can claim expenses up to a value of $15,000 for each year you hold the policy. The higher your defined policy limit, the higher your premium may be.

Cover Limit

An insurance cover limit is the maximum we’ll pay toward a covered claim. Generally speaking, the higher your cover limit, the higher your premium. We offer three cat insurance plans and each plan offers different cover limits. You’ll find your policy’s cover limits outlined in your Certificate of Insurance.

Excess

This refers to the amount of money you need to pay when you make a claim with your pet insurance for cats. With PD Insurance, you can choose your excess value at $50, $100 or $150. For example, if you have chosen $150 excess and have a $1,000 claim your excess will be $150 and we’ll take care of the remaining $850.

Reimbursement

This refers to the amount we pay towards your cat insurance claim. With our pet insurance for cats, we're committed to reimbursing as soon as possible. In the example used above, your reimbursement is $800.

Waiting Periods

These can vary widely between cat insurance providers. A waiting period is the amount of time that must pass before your cover for a certain benefit will begin, starting from the policy start date. Depending on which PD Insurance cat cover plan you choose, some benefits may have a waiting period.

Pre-Existing Conditions

Like other insurance companies, we exclude pre-existing conditions. This refers to conditions that occurred before you started your policy with us (or during the waiting periods).

Compare Pet Insurance for Cats: What's Covered

At PD Insurance, we do our best to keep our cat insurance policies jargon-free.
Here's what is and isn’t covered by our cat cover plans.

WHAT'S COVERED?

WHAT'S NOT COVERED?

Free Insurance for Your Kitten

Are you the proud parent of a new kitten? Make sure you start things off right by applying for our FREE kitten insurance.

With PD Insurance, you get free cover for kittens between 6 to 30 weeks of age. This will give you up to four months of cover for any unexpected vet bills.

Pet Insurance Claim Process

Get Treatment
When your furry friend needs veterinary care, go to your trusted vet and ensure your pet receives treatment.

Submit a Claim
Activate your cat insurance claim online and provide a few simple details, along with the vet invoice.

Get Reimbursed, Fast!
We normally pay you within 2 business days of receiving all necessary paperwork, thanks to our dedicated in-house team~.

~T&Cs apply and reimbursement subject to submission of a valid claim

Car Insurance

Do you need Car Insurance as well?

Protect your car with simple, affordable car insurance you can rely on – from PD Insurance.

car insurance quotes online

Frequently Asked Questions

How is paying month-to-month different to paying annually?

Paying month-to-month is the ultimate in payment flexibility, which is why PD Insurance offers members this option. We don’t think you should be tied to a yearly contract if your budget or other circumstances don’t allow for it.

Month-to-month pet insurance works just like a monthly subscription (similar to a video streaming subscription) with no lock-in contracts. This means that you can pay for your pet insurance each month instead of paying an annual premium over 12 months. Month-to-month cover renews each month when you pay your premium. And you can cancel at any time without penalties. 

You receive all the same privileges as you would if you paid annually. Just remember, the applicable waiting periods still apply if you choose to pay month-to-month.

Does pet insurance cover vet costs?

The cost of vet bills can easily be thousands of dollars, and can run into tens of thousands. Seriously.

What’s more is that it’s not unusual for some pets to need to go to the vet several times a year.

Our pet insurance plans cover the cost of veterinary expenses incurred as a result of accidental injury and illness. Our optional Wellness Benefits package also covers de-sexing, microchipping, boarding fees and much more.

Let us take the worry out of your hands. Compare the PD Insurance pet cover plans today (dog insurance or cat insurance).

Does pet insurance cover accidents?

Yes – after all, accidents happen. Especially when you have an unpredictable animal on your hands!

Rest assured each of the PD Insurance pet cover plans includes accident cover. This means our pet insurance covers the cost of treating your beloved pet for injuries sustained in an accident. This includes things like choking, being hit by a car and other unforeseeable incidents. 

Does your pet insurance cover illness?

PD Insurance Classic and Deluxe pet insurance plans cover veterinary expenses incurred as a result of illness, including illnesses arising from hereditary conditions, after the required waiting period has passed. Our Accident Plan does not.

An illness means an unexpected sickness or disease, or any change to your pet’s normal healthy state. This could be an upset stomach, a skin condition or an ear infection, or another sickness/disease that is not caused by an accidental injury.

Read more about our coverage in the PD Insurance product disclosure statement here.

Does pet insurance cover hereditary pet issues?

PD Insurance covers hereditary conditions under our Classic and Deluxe pet insurance plans, as long as the condition was not present prior to commencing your cover or during any applicable waiting period(s).

Compare our PD Insurance pet cover plans today (dog insurance or cat insurance).

What is covered under third party liability?

Third party liability refers to the financial loss you may suffer if your pet causes damage to other people or their property. After all, pets can be unpredictable.

With PD Insurance, you can rest assured that you’re covered by your pet insurance as long as:

-The injury was not suffered by a family member residing with you

-The property is not owned by you or anyone residing with you (or in a trust held by you or someone residing with you)

-The damage or injury occurs in Australia

Please read the PDS for limits, terms and conditions.

Our Blog

*One One Month Free Promotion Terms and Conditions

One Month Free only relates to Pet Insurance.

These terms and conditions (‘Terms’) apply to the ‘Buy Online get first month free’ promotion (‘Promotion’).

In these Terms, ‘PD’ means PD Insurance Limited, Pacific International Insurance Pty Limited and all related group companies (also referred to as ‘we’, ‘us’ or ‘our’).

The Promotion will commence at 12am 15th March 2021 and is available for a limited time only (‘Promotion Period’).

Eligibility

To be eligible for the Promotion, you must:

  • be a new PD Pet Insurance Member; and
  • complete and purchase a new PD Pet Insurance policy application exclusively Online through our website during the Promotion Period.

Eligible Member

We reserve the right to determine whether any participant is an Eligible Member in accordance with these criteria, including where any participant has, in our view, acted fraudulently or not complied with these Terms.

Each Eligible Member is only entitled to one Free Month during the Promotion Period.

Promotion Details

Policy cover is subject to our standard underwriting conditions and policy conditions which will apply to any insurance claim.

In accordance with these Terms, Eligible Members will receive one calendar month of free insurance premiums the Free Month.  The Free Month will commence on the Eligible Member’s policy commencement date (as recorded in the relevant application) and will expire on the date one calendar month after that date the Free Month Expiry Date.

The Promotion is not available in conjunction with any other promotion, offer or pricing plans.

The Free Month is subject to the relevant PD Insurance Terms and Conditions for the qualifying policy and to our PDS , ‘Product Disclosure Statement’.

Subject to all relevant policy limitations in the event of a claim, Eligible Members will receive the qualifying benefits under their chosen qualifying policy during the Free Month.

This Promotion is governed by the laws of Australia and any disputes will be subject to the exclusive jurisdiction of the courts of Australia.

Premium payment

No premium payment is due at the time of completing and purchasing an Online policy.

  • Eligible Members’ standard premium payment(s) will become due the 1st of the month following commencement (where a policy commences on the 1st of the month); or
  • the 1st of the month two months after commencement (where a policy commences on any day after the 1st of the month – i.e. during the month);
  • Premium payments are paid in advance for the following month.
  • The ‘waiting’ period will run from the date cover commences i.e. during the Free Month.
  • The 14-day cooling off period will run from the Free Month Expiry Date.
  • You may cancel your policy/ies at any time (including during the Free Month) without penalty.
  • Cancellations will be handled in accordance with the relevant qualifying policy terms.
  • This Promotion is non-transferable and not redeemable for cash.
  • No Excess payment is payable if there is a claim in the Free Month for new members.

General

We reserve the right to vary or amend these Terms by publishing updated terms and conditions on our website.  Applications being processed at the time of any amendment will not be affected by any change to these terms and conditions.

Exclusions and limitations

The Promotion is not available to:

  • holders of any existing Pet Insurance policy underwritten by PD Insurance.
  • members who have had contact with our call centre or other sales support in respect of the pet or policy they seek to apply for.
  • members who have held an existing PD Insurance policy that has been cancelled by the member or us within the three (3) months before or during the Promotion Period.

Date 18 March 2021

Other disclosures

^Source of all statistical data: Animal Medicine Australia Pets in Australia Survey

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