Cat Insurance

AAMI, together with petinsurance.com.au, can help you make sure that your feline family members are taken care of.

What does Cat Insurance cover?

Depending on which cover you choose, Cat Insurance can offer you up to 80% of eligible vet costs back if your cat suffers a Specified Accidental Injury or illness. Subject to annual limits, you can also have cover for eligible emergency boarding expenses, and access the optional non-insurance benefit, Routine Care which contributes to the cost of routine expenses. Policy Terms and Conditions, limits, exclusions and waiting periods apply. Sub-limits and excess apply.

What's covered

Bronze

Gold

Platinum

Annual Benefit Limit

Up to $20,000

Up to $20,000

Up to $30,000

Benefit Percentage

80%

80%

80%

Excess
(per condition, per policy period)

$0, $250, $500

$0, $250, $500

$0, $250, $500

Eligibility

Older than 8 weeks and younger than 15 years

Older than 8 weeks and younger 9 years

Older than 8 weeks and younger than 9 years

Coverage for specified accidental injuries

n/a

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;
  • near drowning incident

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses;
  • lacerations or abrasion of tissue, skin or mucous membrane due to externa trauma; or
  • a crucial ligament condition (waiting periods apply).

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;
  • near drowning incident

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses;
  • lacerations or abrasion of tissue, skin or mucous membrane due to externa trauma; or
  • a crucial ligament condition (waiting periods apply).

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Coverage for Illness

 

Specified Conditions Only

Coverage for the following Specified Conditions

  1. Ingestion of a foreign object
  2. Poisoning
  3. Feline lower urinary tract disease
  4. Gastrointestinal problems
  5. Outer and inner ear infections
  6. Diabetes
  7. Hyperthyroidism
  8. Heart disease
  9. Renal disease
  10. Cancer
  11. Arthritis

Covered

Covered

Consultation sub-limit
(Home visits included)

$500

$500

Up to annual benefit limit

Paralysis Tick Sub-limit

n/a

$3,000

Up to annual benefit limit

Cruciate Ligament Conditions

n/a

$4,000 per leg per policy period

Up to annual benefit limit

Hip Joint Surgery
(Total Hip Replacements are included)

n/a

$6,000 per hip per policy period

Up to annual benefit limit

Emergency Boarding

$1,000

$1,000

$1,500

Dental Illness Limit

$1,000
(Optional Cover - in addition to your annual benefit limit)

$1,000
(Optional Cover - in addition to your annual benefit limit)

$1,000
(included - as part of your annual benefit limit)

Waiting Period

0 days for specified accidental injury (not covered on Bronze cover)

21 days for Illness and Specified Conditions

6 months for cruciate ligament conditions (not covered on Bronze Cover)

6 months for dental illness conditions (if applicable)

Optional Extras Available

Routine Care
(non-insurance benefit)

Dental Illness benefit

Routine Care
(non-insurance benefit)

Dental Illness benefit

Routine Care
(non-insurance benefit)

OPTIONAL EXTRAS
for all Pet Insurance policies

Routine Care

(non-insurance benefit)

In addition to the standard inclusions with your Cat Insurance policy - you can add the non-insurance benefit, Routine Care, to assist with the cost of some routine care items for just a little extra.

$100 benefit for any one of the following:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Prescription diets
  • Cremation or burial
  • Dental illness treatment
  • Council registration fees
  • Obedience training
  • Behavioural therapy
  • Alternative therapies

$50 benefit for any one of the following:

  • Vaccination or health check
  • Flea/tick/worm control
  • Blood screen

PET Insurance
Frequently asked questions

Pre-existing Conditions

Some Conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing page for more information.

Your pet not being protected

This includes:

  • Events caused by a malicious act, deliberate injury or gross negligence caused by you or anyone living with you; and
  • Your failure to take all reasonable precautions to protect your pet from situations that may result in injury or illness (such as ingestion of hazardous substances) or from aggravating a treated condition.

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;
  • near drowning incident

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses;
  • lacerations or abrasion of tissue, skin or mucous membrane due to externa trauma; or
  • a crucial ligament condition (waiting periods apply).

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Specified Conditions Only

Coverage for the following Specified Conditions

  1. Ingestion of a foreign object
  2. Poisoning
  3. Feline lower urinary tract disease
  4. Gastrointestinal problems
  5. Outer and inner ear infections
  6. Diabetes
  7. Hyperthyroidism
  8. Heart disease
  9. Renal disease
  10. Cancer
  11. Arthritis