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Cat insurance

  • Save 10% plus 1 month free for members**
  • Pay only the gap^
  • Protect your cat's nine lives
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Dog cover
Common questions

Protect your companion

Find the purr-fect cover to suit your cat's needs. Whether you've got a lively adventurer or laid-back lounger, every meow deserves the best health.

As an added bonus, save 10% plus 1 month free if you’re an RACT member.**

Pet insurance from RACT, together with petinsurance.com.au®.

Whisker approved perks

Choose the right cover for your cat

  • Best in Show Cover

    Cover for cats, with flexible annual benefit limit, benefit percentage and excess options, for pets younger than 9 years when you first apply.

Cat insurance

Summary of what's covered — Best in Show Cover pet insurance
Best in Show Cover
Annual benefit limitChoose between $7,500Footnote †, $20,000 and $35,000
Benefit percentageChoose between 70%Footnote †, 80% or 90%
Annual excess$0, $200, $500Footnote †, or $1,000Footnote †
EligibilityYounger than 9 years of age when you first apply
Accidental injuriesCoveredExamples include motor vehicle incidents, falls, near drowning, snake bites and ingestion of foreign objects
IllnessesCoveredExamples include skin allergies, ear infections, cancer, respiratory diseases and infections.
ConsultationsFootnote %Covered
Prescription medicines and drugsFootnote %Covered
Hospitalisation, surgery, and specialist careFootnote %Covered
Diagnostic tests and radiologyFootnote %Covered
Hereditary and congenital conditionsFootnote *Covered
Emergency pet boardingCovered
Booster Care$2,000 annual benefit limit for a range of specified dental conditions and specialised therapies like physio, acupuncture, hydrotherapy and treatment of behavioural conditions (Optional cover, in addition to your annual benefit limit)
Routine Care (non-insurance benefit)$150 annual limit for routine and preventative pet care items like health checks, vaccinations, microchipping, desexing, nails clipping (Optional benefit, in addition to your annual benefit limit)
Waiting periods
  • 2 days for accidental injuries
  • 30 days for illnesses
  • 6 months for cruciate ligament conditions
  • Booster Care (where selected)
  • 6 months for specified dental conditions
  • 30 days for behavioural conditions like anxiety, phobias or compulsive disorders
  • The waiting period that applies to specialised therapy treatments is based on the condition being treated, whether an illness or an accidental injury.
  • Covered
†.
$500 excess is not available with the 70% benefit percentage. $1,000 excess not available with the 70% benefit percentage or $7,500 annual benefit limit
%.
*.

Note: Pre-existing conditions are excluded from cover.  

Summary only. Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions - Exclusions, limits and excess may apply.   

% This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information. 

Optional Routine Care (non-insurance benefit) 

Claim up to $150 per year for routine and preventative pet care like annual health checks, routine vaccinations, microchipping, desexing, nail clipping and more. 

Includes: 

  • Desexing  

  • Vaccinations  

  • Health checks  

  • Microchipping  

  • Heartworm preventative  

  • Prescription diets  

  • Puppy pre-school and obedience training  

  • Flea, tick and worm control  

  • FeLV and FIV, and heartworm tests  

  • Wellness blood screen  

  • Nail clippings 

Optional Booster Care 

Enjoy a $2,000 annual limit for a range of specified dental conditions and specialised therapies like physio, behavioural, hydrotherapy. 

Cover for specified dental conditions: 

  • Scaling, 

  • Polishing, 

  • Dental x-rays, and 

  • Removal of teeth where medically necessary,  

due to: 

  • Gingivitis 

  • Abscesses 

  • Dental disease arising from infection 

  • Retained deciduous teeth 

  • Cavities 

  • Fractured teeth due to dental disease 

  • Odontoclastic resorptive lesions. 

Cover for specialised therapies: 

  • Physiotherapy or physical therapy 

  • Chiropractic manipulation 

  • Acupuncture 

  • Hydrotherapy 

  • Treatment of behavioural conditions 

  • Consultations with a veterinary behavioural specialist 

Get a quote

Common questions for cats

  • What accidental injuries are covered under Best in Show Cover?

    Best in Show Cover offers coverage for a wide range of accidental injuries which may include: 

    • motor vehicle incidents;  

    • injuries caused by another animal including rough play;  

    • falls from heights;  

    • cuts, lacerations and stick injuries;  

    • grass seed embedment or entrapment;  

    • traumatically fractured teeth;  

    • near drowning;  

    • burns, heatstroke or frostbite;  

    • exposure to venomous bites such as snake bite and tick paralysis;  

    • reactions to bites or stings from insects, or other critters (excluding infestations such as mites or fleas);  

    • toxicity from ingesting harmful substances like chocolate, rat bait or grapes (excluding any illicit drugs);  

    • and ingestion of foreign objects (excluding instances of gastroenteritis caused by ingestion of inappropriate food items or common environmental substances such as garbage). 

  • What illnesses are covered under Best in Show Cover?

    A wide range of illnesses are covered under Best in Show Cover, which may include:  

    • skin allergies;  

    • ear infections; gastrointestinal conditions such as gastroenteritis, intestinal parasites or pancreatitis;  

    • masses, lumps and cancer;  

    • eye conditions such as conjunctivitis, entropion or cataracts;  

    • musculoskeletal conditions such as arthritis, hip dysplasia, elbow dysplasia, intervertebral disc disease (IVDD) or patella luxation (dislocating kneecap) no matter how the condition arises;  

    • infectious diseases such as leptospirosis, heartworm, cat flu or kennel cough;  

    • urinary diseases such as urinary infection, blood in urine or blocked bladder;  

    • endocrine diseases such as diabetes, Cushing’s or hyperthyroidism;  

    • emergency situations such as gastric dilatation and volvulus (GDV), seizures and anaphylactic reactions;  

    • urogenital diseases such as pyometra, hooded vulva or enlarged prostate;  

    • kidney diseases such as chronic kidney disease, acute kidney injury or kidney stones; and  

    • respiratory diseases such as asthma, bronchitis or pneumonia. 

  • Is there any offer for existing RACT members?

    Yes, if you're already an RACT member you'll need to let us know by providing the promotional code RACTMEM1FREE and a valid RACT member number at the time of purchase in the member funnel. You'll then save 10% plus 1 month free.**

  • Is there any offer if you’re not a member?

    Yes, if you're NOT an RACT member you’ll need to let us know by providing the promotional code RACTGEN1MF at the time of purchase in the non-member funnel.  You'll then get 1 month free.~

  • Can I cancel my cat’s policy?

    You can cancel your policy with us at any time by contacting our customer service team.  

    The cancellation will be effective once we provide you with a written confirmation of your request, either by email or letter. 

    We’ll retain the portion of the premium that relates to the period that you’ve been insured up to your cancellation date. Where you have paid for a period in advance (e.g., for the full fortnight, month or year), we’ll refund that proportion of premium for the time remaining on the policy (less any non-refundable government or statutory charges). 

  • Can I continue to insure my cat as it gets older?

    As long as we continue to offer the product, and you renew your policy each year without any break or lapse, we will continue to offer renewal/replacement your policy. Cover and renewal/replacement is subject to the applicable terms and conditions of the policy for each policy period. See details in your Product Disclosure Statement.

  • Can I insure more than one cat?

    For your convenience you can insure multiple cats under your petinsurance.com.au policy. Each cat can have their own policy with their individual choice of cover. To activate a multi-pet policy, you will need to call our friendly customer service team on 1300 285 377 and we'll be happy to organise it for you.

  • At what age can I start my cat’s insurance?

    When you first apply, your cat needs to be under the age of 9 years.

  • Do RACT sell cat insurance in store?

    Cat insurance is an exclusively online product together with petinsurance.com.au®. It is not available in-store.

  • How do I make a claim?

    Option 1:  Your vet submits the claim on your behalf 

    Pay only the gap with GapOnly®^: You can have your RACT together with petinsurance.com.au® claim processed on the spot if your vet clinic is a GapOnly®^ partner. GapOnly®^ reviews and calculates your claims while you’re still in-clinic, so you only have to pay the gap between your pet insurance benefit and your vet invoice for eligible claims.^ Ask your vet or check here to see if they're a GapOnly®^ participating vet. 

    Vets can do the claim for you: Alternatively, many vets can submit your claim on your behalf directly to us via our paperless eClaims service. Ask your vet if they can do this for you at the time of settling your invoice. 

    Option 2:  Submit your claim online 

    If your vet can’t submit your claim on your behalf, the easiest way to make a claim yourself is through the Pet Portal. To make a claim, you'll need the following documentation: 

    Itemised invoice (a paid invoice that includes individual treatment items and costs adding up to the total amount paid) 

    Vet consultation notes, if you have them (these are the veterinarian’s medical notes from examination findings) 

    If you adopted your pet at a later age, we will need documentation showing the date you took ownership. To help assist us with obtaining this vet history, you can also add your vet details in the Pet Portal. 

    You can submit your claim without vet consultation notes but in some cases, we may not be able to process your claim without them. If this is the case, we may need to contact you or your vet/s which may result in a delay in processing your claim. 

    Option 3:  Send your claim in the mail 

    If you would prefer to lodge your claim in the mail, please follow these steps: 

    Step 1:  Download a claim form here and print it out. 

    Step 2:  Fill in your and your pet’s personal information in Part 1 of the claim form and sign the form. 

    Step 3:  Take the claim form to your vet and have them complete the applicable sections. Ensure your vet includes their practice details on the attached invoice. 

    Step 4:  Attach detailed itemised invoices and payment receipts to the completed claim form and mail it to us at the address below: 

    Petinsurance.com.au

    Locked Bag 9021 

    Castle Hill  NSW 1765 

    In some instances, we may require more information to process your claim. If this is the case we will contact you for this information. 

    Once we receive your claim form and all relevant documentation, we will process your claim.

    For more information please call our team on 1300 285 377.

Can't find what you're looking for? Find more information on petinsurance.com.au® or call our friendly customer service team on 1300 285 377.

Call petinsurance.com.au®

Important information and disclaimers

Petinsurance.com.au® policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and The Royal Automobile Club of Tasmania Limited ABN 62 009 475 861, AR 228578. Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PIPL. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsurance.com.au.

*Policy terms and conditions, limits, waiting periods, exclusions and excesses apply.

**This offer only applies to RACT members who purchase a new RACT together with Petinsurance.com.au® Pet Insurance policy between 12:01am AEST on 2 July 2026 and 11:59pm AEST on 30 June 2027 (Offer Period). Offer provides RACT members with a 10% discount on their new RACT together with Petinsurance.com.au Pet Insurance Policy premiums each year, whilst the policy remains in force, with all premiums paid in full, and while you remain a RACT Member (Member Offer). For instalment payers, the Offer is applied proportionately across all instalment payments during each year you remain eligible for the Member Discount. For annual payers, the Offer is applied automatically to your annual premium amount each policy year that you remain eligible for the Member Discount. This Offer will also provide RACT members with 1 month free in their first policy year only when they purchase a new RACT together with Petinsurance.com.au Pet Insurance Policy during the Offer Period (1-Month Free Offer). Instalment payers will not be charged an instalment for the first month and instalments will be charged from the second month of your policy period. Annual payers will have the 1 month free deducted from the annual premium at the time of purchase. To enjoy the Member Offer and 1-Month Free Offer, you must provide the promotional code RACTMEM1FREE and a valid RACT Member number at the time of purchase. Customers can remove this Offer at the time of purchase. Not available with any other offer except for the multi-pet discount for additional pets. Excludes RACT staff members. Both the Member Offer and the 1-Month Free Offer are subject to RACT together with Petinsurance.com.au Pet Insurance Policy T&C’s available https://www.ract.com.au/insurance-and-finance/pet-insurance. Eligibility criteria applies, refer to the Product Disclosure Statement. RACT together with Petinsurance.com.au reserves the right to withdraw, vary or extend these Offer’s at any time, without notice.

~This offer provides you with 1 month of FREE pet insurance in your first policy year. For fortnightly or monthly instalment payers, the first premium will be charged on the first premium instalment of the 2nd month of your policy. The offer applies to customers who purchase a new RACT together with petinsurance.com.au® pet insurance policy between 12:01am AEST on 1 September 2025 and 11:59pm AEST on 30 June 2027 (Offer Period). Offer cannot be used in conjunction with any other offer with the exception of the multi-pet discount. Terms, conditions and eligibility criteria applies (Refer to the PDS). RACT together with petinsurance.com.au reserves the right to amend this offer at any time, without notice. Please visit www.ract.com.au/pet-insurance.

-10% multi-pet discount is applied to a second pet policy and each new additional policy Pet Insurance policyholders get a 10% multi-pet discount that applies to their second and subsequent policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately) (“Discount”). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction. For existing policyholders that wish to insure an additional pet, please call us on 1300 285 377 for the Discount to apply. .Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) remaining active policy, the Discount will cease to apply on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. RACT together with petinsurance.com.au® reserves the right to withdraw, vary or amend this Discount at any time, without notice. Eligibility criteria applies for RACT together with petinsurance.com.au and is subject to the Product Disclosure Statement terms and conditions.

^The gap means the difference between the vet's invoice and the claim benefit under your policy. GapOnly® is only available at participating Vets. Please visit  gaponly.com.au to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183). 

#myPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available only to holders of active RACT together with petinsurance.com.au® policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.

>Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal.petinsurance.com.au.

 <PetSafetyNetTM is a trademark owned by PetSure(Australia) Pty Ltd ABN 95 075 949 923 AFSL 420183 (PetSure). Eligibility for access to PetSafetyNetTM applies. For more information and the terms and conditions for PetSafetyNetTM, visit the Terms of Service available petsafetynet.com.au/safetynet-terms-of-service/