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Award-winning kitten insurance

- Up to $15,000 in vet bill cover
- Choice of policies, including ‘Umbrella for life’
- Up to 100% of vet bills covered
- Manage your policy and claims online

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Pet insurance for kittens across Australia

Kittens bring boundless joy and curiosity into our lives, but their playful antics can sometimes lead to unexpected accidents. While they may seem invincible, having kitten insurance means they’re protected as they grow. With Petcover, you can rest easy knowing your kitten is covered for surprise vet bills, allowing them to explore the world with confidence.

Two young, grey striped kittens sit on a window

Why choose Petcover kitten insurance?

Join the 250,000 pet owners who rely on us to keep their pets happy and healthy.

With no waiting periods for injuries and a straightforward claims process, insuring your kitten is simple and stress-free. Plus, our vet-approved policies and expert support mean your little one always receives the best care.

Get a kitten insurance quote

Find the right pet insurance for kittens

Superior – the most comprehensive insurance cover offered, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $15,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $4,000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $2,000

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $2,000

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $2,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    Up to $2,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

    Up to $2,000

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $2,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150 + 20% (8+ years)
    $150 + 35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     Injury: no waiting period
    Illness: 21 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $10,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,500
    Optional extra benefit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $500

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $500

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150 + 20% (8+ years)
    $150 + 35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     Injury: no waiting period
    Illness: 21 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $9,000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment (within veterinary fee limit)

    The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

    Up to $2,000

    (Any amounts paid under this benefit are part of the Policy Aggregate  of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,500
    Optional extra benefit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $500

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $500

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150 + 20% (8+ years)
    $150 + 35% (10+ years)

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     Injury: no waiting period
    Illness: 21 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days

Benefits

Superior

Mid-point

Entry

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

(As shown in the Certificate of Insurance.)

Up to $10,000

(As shown in the Certificate of Insurance.)

Up to $9,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment (within veterinary fee limit)

The cost of any examination. Consultation advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000

(Any amounts paid under this benefit are part of the Policy Aggregate  of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $2,000

Up to $500

Up to $500

Advertising and reward

Cover to assist with the cost of advertising and the reward offered. If your cat is stolen or goes missing. Refer to PDs for policy limit.

Up to $2,000

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your cat (or the market value) if your cat is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $2,000

Up to $500

Up to $500

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your cat is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)

$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)

$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days

 Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days

 Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days

Mid-range – the most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your cat’s needs. 

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $15,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $3,000

  • Vet consultations

    Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    The non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

O

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $10,000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $2,500

  • Vet consultations

    Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    The non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Injury: no waiting period
    Illness: 28 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

O

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

B

  • Umbrella for life

    Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $5,000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $1,500

  • Vet consultations

    Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000

    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    The non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

O

  • Day to day care

    The maximum benefit you can claim for this condition under this policy.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre

     

    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ FIV test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

Key

Vital

Core

Umbrella for life

Umbrella for live cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $15,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

Covers the cost of eligible veterinary consultation cost your cat receives during the insurance period to treat injury, accident or illness.

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your cat is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

The non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Injury: no waiting period
Illness: 28 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Optional extras

Day to day care

The maximum benefit you can claim for this condition under this policy.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

 

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Safety-net – accidents or illness can happen at any time, the Catastrophe and Economy policies provide cover for your cat when emergency treatment is needed.

B

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $7,000
    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%
    Over 8 years up to 80%
    Over 10 years up to 65%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $1,000

    (Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,000

    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

    Up to $1,000

    Optional extra benefit

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

    Up to $1,000

    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150 + 20% (8+ years)
    $150 + 35% (10+ years)

  • Veterinary fees fixed excess options

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks – no limit

  • Waiting periods

    riodIs the initial period during which no benefit is payable for the mentioned conditions.

    Injury: no waiting period
    Illness: 21 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days

B

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $5,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%
    Over 8 years up to 80%
    Over 10 years up to 65%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $1,500

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $2,500

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $3,000

    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Veterinary fees fixed excess options

    $450 or $900

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    riodIs the initial period during which no benefit is payable for the mentioned conditions.

    Injury: no waiting period
    Illness: 30 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

B

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

    Up to $10,000

    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Reimbursement percentage back on eligible claims.

    Up to 100%
    Over 8 years up to 80%
    Over 10 years up to 65%

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Death from illness

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

  • Death from injury

    Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

  • Boarding fees

    Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

  • Quarantine expenses and loss of documents

    Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $3,000

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $6,000

    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Veterinary fees fixed excess options

    $450 or $900

  • Age limits (first time cover)

    When your cat is eligible for cover.

    8 weeks up until 8th birthday

  • Waiting periods

    riodIs the initial period during which no benefit is payable for the mentioned conditions.

    Injury: no waiting period
    Illness: 30 days
    Brachycephalic Obstructive
    Airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Benefits

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your cat’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your cat receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit
(As shown in the Certificate of Insurance.)

Benefit percentage back on vet fees (under 8 years of age)

Reimbursement percentage back on eligible claims.

Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%

Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%

Up to 100%
Over 8 years up to 80%
Over 10 years up to 65%

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $1,000

(Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

Up to $1,000

Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of an illness before 8 years of age for a non-select breed or before 5 years of ages for a select breed.

Up to $1,000

Optional extra benefit

Boarding fees

Cover for the cost of boarding your cat at a licensed kennel, or towards the cost of someone looking after your cat while you are an inpatient in hospital. Refer to PDS for policy limit.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen and goes missing. Refer to PDs for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDs for policy limit.

Up to $1,000

Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your cat requiring lifesaving medical help.

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your cat being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your cat home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $3,000

365 day waiting period

Up to $6,000

365 day waiting period

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150 + 20% (8+ years)
$150 + 35% (10+ years)

Veterinary fees fixed excess options

$450 or $900

$450 or $900

Age limits (first time cover)

When your cat is eligible for cover.

8 weeks – no limit

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

riodIs the initial period during which no benefit is payable for the mentioned conditions.

Injury: no waiting period
Illness: 21 days
Brachycephalic Obstructive
Airway Syndrome: 365 days

Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Injury: no waiting period
Illness: 30 days
Brachycephalic Obstructive
Airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wordings before buying a policy.

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Up to 100% vet bills covered

Up to 100% vet bills covered

Claim up to 100% of your eligible vet bills, based on your level of cover.

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Kitten insurance FAQs

Should I get pet insurance for my kitten?

Insuring your kitten is a smart move. Even at a young age, they can encounter unexpected illnesses or accidents. Pet insurance can cover the costs of surprise vet bills, so your kitten will always get the care they need without the financial burden.

What age can you insure a kitten?

Take out pet insurance for your kitten as soon as you can. This way you can be covered for any new medical conditions that come up. Our policies can cover your kitten from just 8 weeks old.

How does pet insurance for kittens work?

Choose a policy that fits your needs and budget, and stay on top of your premium payments. If your kitten needs to visit the vet, you’ll usually pay the bill upfront and then contact us to claim the cost back. Before making a claim, check your excess (that’s the amount of money you have to pay towards a claim) to make sure it’s worth claiming.

For expensive vet bills, we can sometimes pay your vet directly.

How much is pet insurance for a kitten?

Kitten insurance typically costs between $32 and $69 per month.† The price depends on factors like your kitten’s age, breed, health, and the level of cover you choose. Lifetime or ‘Umbrella for life’ policies tend to be more expensive because they offer more comprehensive cover for medical conditions.

How to choose the best cat insurance

To choose the right cat insurance, consider your kitten’s age, breed, and health history. Compare our different plans, looking at cover options, exclusions, and premium costs. Select a policy that meets your kitten’s specific needs, offering the best balance between cost and cover. If in doubt, contact our friendly team for help.

Read our policy documents

Superior plan Mid-range plan Safety-net (Economy) plan Safety-net (Catastrophe 1 & 2) plan

Is this policy right for you?

Read the Target Market Determination (TMD) documents to ensure our policies fit your needs. These documents explain who the policy is for and how it should be used, so you don’t end up with cover that’s not right for you.

Policies bought on or after 27 November 2024:

Policies bought between 12 September – 26 November 2024:

Policies bought between 30 June 2023 – 11 September 2024:

Policies bought between 1 January – 29 June 2023:

 

* 4-weeks free kitten insurance promotion using code: C4WF21. Terms & Conditions: This promotion entitles you to an additional 4-weeks free on your Petcover quote for a cat, dog or exotic animal. The discount will be applied automatically for you. Offer cannot be used in conjunction with any other promotions or discounts. Please note, this offer is only available to new policies purchased. Offer may be withdrawn at any time.

† Prices are accurate at the time of publishing. $32/month based upon a 8-week old Domestic Short Hair kitten with the ‘Catastrophe 1’ plan and $900 excess. $69/month is based upon an 8-week old Domestic Short Hair kitten with the ‘Superior’ plan.