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Cat insurance you can trust

Just like us, cats can experience a wide range of illnesses including diabetes, skin conditions and cancer, or get themselves into trouble while out exploring, including car incidents or fights, which may result injuries including broken bones, lacerations and bite wounds.

A visit to the vet may prove to be a costly experience so it may make sense to consider taking out cat insurance to help provide peace of mind that your pet is covered should the unexpected happen.

With Bupa Pet Insurance there’s three levels of cover to choose from for your cat, from budget-friendly Basic cover for accidental injury only, Standard cover for accidental injury and illness, through to Ultimate cover, providing comprehensive cover for accidental injury, illness and routine care items.

Compare our Ultimate cover in the table below or refer to the Product Disclosure Statement (PDS) (PDF, 3.8MB) for more information.

Plan Name

Basic*

Standard*

Ultimate*

Cover Type

Accidental Injury

Accidental Injury
Illness

Accidental Injury
Illness
Routine Care

Wellness Options

 

Routine Care

Routine Care Plus
Alternative
Dental

Percentage of Cover

80%

80%

80%

Annual Benefit Limit

Means the annual maximum amount payable under your policy for each level of cover selected, inclusive of sub-limits.

$6,000

$12,000

$20,000

Excess Options

$0 | $100 | $200

$0 | $100 | $200

$0 | $100 | $200

Waiting Period

Means a period starting from the Commencement Date of the first policy period during which a condition that occurs or shows symptoms or signs will be excluded from cover unless stated on your Certificate of Insurance.

6 months for cruciate ligament conditions

Nil for accidental injury, 30 days for illness, 6 months for cruciate ligament conditions

Nil for accidental injury, 30 days for illness and alternative therapy, 6 months for dental illness, 6 months for cruciate ligament conditions

Consultations and Vet Visits

$300 annual limit

$300 annual limit

$300 annual limit

Cruciate Ligament Conditions

$2,600 annual limit**

$2,600 annual limit**

$2,600 annual limit**

Accidental Injury

Means physical harm or injury arising from a single event occurring at an identifiable time and place, independent of any other cause. The conditions covered by the Accidental Injury cover are specified in Section 2 of the Product Disclosure Statement.
     

Illness

Illness

Means a sickness or disease diagnosed by a Vet.
     

Skin Condition

Means a diagnosed condition regardless of cause or origin presenting in or affecting the skin (as an organ) in any way whatsoever excluding any pre-existing condition.
 


($500 sublimit)


($500 sublimit)

Cancer Treatment

Means treatment provided for Cancer independent of any other cause or pre-existing condition, subject to sub-limits and chronic condition limits.
     

Ear/Eye Condition

As long as there has been no signs or symptoms of the condition occurring prior to commencement date and within the relevant waiting periods
     

Gastrointestinal Problems

As long as there has been no signs or symptoms of the condition occurring prior to commencement date and within the relevant waiting periods
     

Infectious Disease

Please refer to Section 3 of the Product Disclosure Statement (PDS) to view what is not covered
     

Hereditary or Congenital Conditions

Provided symptoms or clinical signs of these defects were not present prior to taking out Bupa Pet Insurance
     

Paralysis Tick Benefit

A Benefit Percentage for vet expenses incurred by you up to the sub-limit shown for tick paralysis treatment on your Certificate of Insurance, less any excess.
 


($1,000 sublimit)


($1,500 sublimit)

Emergency Boarding

If you (the insured and sole carer of the Pet) are hospitalised for five (5) or more consecutive days during the Policy Period, we will pay for the cost of boarding your Pet at a licensed kennel or cattery up to the Benefit Limit.


($500 sublimit)


($1,000 sublimit)


($1,500 sublimit)

Wellness

Routine Care

Means stated benefits provided for certain listed preventative healthcare treatments for your pet such as de-sexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks.
 


Option to add Routine Care $200 with $80 sublimit


Included Routine Care $200 with $80 sublimit

Routine Care Plus

Stated benefits for certain listed items for your pet such as training, teeth cleaning, dew claw removal, prescription diets and cremation/burial.
   


Upgrade to Routine Care Plus available, $400 limit with $80 sublimit

Alternative Treatment

Including (but not restricted to) Consultations and Treatments involving homeopathic remedies, laser therapy, physiotherapy, physical therapy, chiropractics, acupuncture and hydrotherapy as set out in the Product Disclosure Statement (PDS).
   


Upgrade to $1,000 of alternative treatment, with sublimit of $400 per condition

Dental Illness

Includes gingivitis, abscesses and removal of teeth where medically necessary due to infection, cavities and fractures as set out in the Product Disclosure Statement (PDS).
   


($500)

Cover Type

Accidental Injury

Wellness Options


 
 

Percentage of Cover


 

80%

Annual Benefit Limit

$6,000

Excess Options

$0 | $100 | $200

Waiting Period

6 months for cruciate ligament conditions

Consultations and Vet Visits

$300 annual limit

Cruciate Ligament Conditions

$2,600 annual limit**

Accidental Injury

 

Illness

Illness

 

Skin Condition

 

Cancer Treatment

 

Ear/Eye Condition

 

Gastrointestinal Problems

 

Infectious Disease

 

Hereditary or Congenital Conditions

 

Paralysis Tick Benefit

 

Emergency Boarding


($500 sublimit)

Wellness

Routine Care

 

Alternative Care

 

Dental Illness

 

Cover Type

Accidental Injury
Illness

Wellness Options


 

Routine Care

Percentage of Cover


 

80%

Annual Benefit Limit

$12,000

Excess Options

$0 | $100 | $200

Waiting Period

Nil for accidental injury, 30 days for illness, 6 months for cruciate ligament conditions

Consultations and Vet Visits

$300 annual limit

Cruciate Ligament Conditions

$2,600 annual limit**

Accidental Injury

 

Illness

Illness

 

Skin Condition


($500 sublimit)

Cancer Treatment

 

Ear/Eye Condition

 

Gastrointestinal Problems

 

Infectious Disease

 

Hereditary or Congenital Conditions

 

Paralysis Tick Benefit


($1,000 sublimit)

Emergency Boarding


($1,000 sublimit)

Wellness

Routine Care



No built-in Routine care, but ability to upgrade to $200 with $80 sublimit

Alternative Care

 

Dental Illness

 

Cover Type

Accidental Injury
Illness
Routine Care

Wellness Options


 

Routine Care Plus
Alternative
Dental

Percentage of Cover


 

80%

Annual Benefit Limit

$20,000

Excess Options

$0 | $100 | $200

Waiting Period

Nil for accidental injury, 30 days for illness and alternative therapy, 6 months for dental illness, 6 months for cruciate ligament conditions

Consultations and Vet Visits

$300 annual limit

Cruciate Ligament Conditions

$2,600 annual limit**

Accidental Injury

 

Illness

Illness

 

Skin Condition



($500 sublimit)

Cancer Treatment

 

Ear/Eye Condition

 

Gastrointestinal Problems

 

Infectious Disease

 

Hereditary or Congenital Conditions

 

Paralysis Tick Benefit


($1,500 sublimit)

Emergency Boarding


($1,500 sublimit)

Wellness

Routine Care



Built-in $200 with sublimit $80 and ability to upgrade to $400

Alternative Care



Upgrade to $1,000 of alternative treatment, with sublimit of $400 per condition

Dental Illness



($500)

**You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.

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