dog in circle

Cat-lighter cat insurance


Features and benefits

When it comes to pet insurance for your cat, you want a policy that lets them be them. Protecting the everyday adventures is an absolute must for your best friend, which is why Vets Choice insurance for pets is a specified illness and accident policy with no hidden exclusions. You and your cat can play on knowing that we’ll be right here if you need us. 

About this product

Cover for life                                     

No co-insurance                                    

Lifetime cover for your cat while they are insured with Vets Choice

Get 100% of your vet fees back after excess with no co-insurance extra payments


Third-party cover

Get pre-approval for scheduled procedures and treatments, avoiding surprises

$5 million third-party liability cover standard for all Vets Choice cat insurance policies

Easy claims process Give back to the community

Our online claims lodging process is quick and sensible, accessible at any time

Every policy that’s sold contributes to a local animal shelter

    Specified accident & illness cover

    Major accident & illness

    No hidden exclusions with our specified illness and accident cover

    Cover for cancer, tick paralysis, bone breaks and fractures, and FIV

    No claims bonus

    Multi-pet discount

    Get rewarded for keeping your cat happy and healthy, with a no claims bonus

    Receive a multi-pet discount when insuring all your pets with Vets Choice

    Guild Insurance Endorsed by the AVA

    Vets Choice is built by an insurer with over 30 years of experience in the vet procession

    Vets Choice is built with direct input from the Australian Veterinary Association

When your cat is insured with Vets Choice, you can focus on the good moments like having fun with your pet while we protect the rest of the scary stuff.                           

Main illness covers


Cancer  More-info

An abnormal growth of tissue, neoplasia.

Ave. cost

About 10% of cases presented result or can be treated by surgery. Abdominal cancers could present as emergencies if previously undetected, costs range from $1,500 to $3,000. Treatment could be ongoing

Cat Lumps, Growths and Cysts Removal

Lumps, growths & cyst removal

Ave. cost

Treatments and removal usually between $500 to $2,000

Cat Cherry Eye

Cherry eye  More-info

"Cherry Eye" is a term for eversion of the third eyelid due to swelling and prolapse of the gland of the third eyelid. The third eyelid is often only seen as a small pink triangle-shaped aspect of the inner eye and plays an important role in the health, and vision, of the eye.

Ave. cost

Emergency surgery can cost as much as $1,200

Cat Non Diabetic Cataract

Non-diabetic cataracts  More-info

The opacity of the eye lens, congenital or acquired. This can cause impaired or loss of vision.

Ave. cost

Treatments usually from $3,000 to $4,500

Cat Invertebral Disc Disease

Intervertebral disc disease (IVDD)  More-info

Intervertebral discs are located between the vertebrae (bones of the spine), acting as shock absorbers during movement. IVDD occurs when the discs between these vertebrae begin to degenerate; a disc bulges (protrudes) or herniates (bursts), causing compression of the neurological tissue at the site.

Ave. cost

Treatments and removal usually between $500 to $2,000

Cat Feline Immunodeficiency Virus

Feline immunodeficiency virus (FIV)  More-info

The slow acting virus spread by a cat bite, most common in undersexed males who have a history of fighting over territory. FIV takes several years to begin showing clinical signs, including recurring fever and increased size of lymph glands.

Ave. cost

Treatments vary depending on severity

Hip Displacia

Hip dysplasia including hip

A condition of the hip joint(s) of cats, where a complex of developmental abnormalities of the bones that make up the hip joint result in lameness and later arthritis of the hip.

Ave. cost

Surgery costs usually between $5,000 - $7,000

Cat Urinary Tract Infections

Urinary tract infections, diseases and

There are various problems that can arrive affecting the urinary system. Bacterial infections, bladder stones or crystals in the urine, incontinence, trauma or even obstruction of the urethra, which is the tube that allows urine to pass from the bladder out of the body.

Ave. cost

Investigation costs usually between $500 to $700. Removal of bladder stones usually between $,5000-$8,000

Third party cover

Your cat is also covered for the mischief they cause, which means your policy also protects damages to third parties and/or property caused by your cat. 

Your pet will be covered for much more, please see the PDS for the full list of covers, or continue to get a quote where more covers are also listed.

    Our policy is there to help your cat receive the treatment they deserve. Included in our policy are specified accident covers for those unforeseen events. 

    Main accident covers

    Cat Bone Fracture

    Bone fractures

    Ave. cost

    Treatment costs up to $5,000+

    Cat Heat Stroke

    Heat stroke  More-info

    A clinical syndrome of multiple organ dysfunction caused by the elevation of body temperature above physiologically acceptable levels. This may be due to one or a combination of the production of excessive heat, exposure to excessive ambient temperatures, or failure to lose heat. Heat stroke is life-threatening.

    Ave. cost

    Treatment costs usually up to $1,500

    Tick Paralysis

    Tick paralysis  More-info

    The neurotoxin of the paralysis tick causes a progressive flaccid paralysis (a weakness that progresses to paralysis).

    Ave. cost

    Treatment costs vary greatly in relation to extent of paralysis and time frame presented to vet. Costs range from $500 to $20,000+*

    Snake Bite Toxicity

    Snake bite toxicity  More-info

    Snake venom can include toxicants to the neurological system, the coagulation system and the muscles. Other organ systems can also be affected due to downstream effects of the toxins.

    Ave. cost

    Treatment can range from $3,000 up to $8,000 or more where hospitalisation is required in addition to anti venom

    Cat Ingestion of a Foreign Object

    Ingestion of a foreign object  More-info

    Large or irregularly shaped objects may get stuck in the through or in the digestive system and result in your cat needing emergency veterinary attention.

    Ave. cost

    Treatment costs usually from $2,500 to $5,000

    Cat Embedded Grass Seed

    An embedded grass

    Occurs when the serrated awns of a grass seed head penetrate into the skin and body tissues. This typically results in a tracking infection or abscess.

    Ave. cost

    Treatment costs usually up to $1,500 if surgery required

    Anaphylactic Shock

    Anaphylactic shock  More-info

    Acute onset of unusual or exaggerated allergic reaction of an animal to a foreign protein or other substance. Acute onset hypersensitivity reactions can be life-threatening, involving one or more organ systems.

    Ave. cost

    Treatment costs usually up to $2,000 for severe cases

    Cat Torn Nail

    Torn nail  More-info

    The breaking or tearing off of a nail can be very painful for a pet and there is a of risk infection if not treated appropriately.

    Ave. cost

    Treatment costs usually from $500 to $800

Frequently Asked Questions

Vets Choice currently only provides cover for cats and dogs.

Dogs and cats between the ages of 8 weeks and 8 years. With guaranteed lifetime cover for pets as long you join before they reach their 9th birthday and the policy remains active.

Your vet will be able to provide you with an estimate of age after a physical examination, which will be accepted by Vets Choice as your pets age, we don’t need your pets date of birth, just how old they are in years.

Yes, we offer a discount where there is more than one pet listed on a policy.

We will treat most hereditary and congenital defects for your pet if you or your vet were not aware of, or could not reasonably have known of, at the time of your cover commencing under this policy. Exclusions are listed here.

No. Medical records are not required at the time of taking our pet insurance. You will however be required to provide your pets medical history to support a claim.

No. Pre-existing conditions and waiting periods apply. These are listed here.

This is an accident and specified illness policy and was specifically designed to keep the cost of pet insurance down for pet owners. As such routine care, vaccinations and check-ups etc. are not covered. For more details about what is and isn’t covered by this policy check here.

Yes. For scheduled procedures, it is possible at our discretion to arrange for the claim to be pre-approved. You will need to provide a detailed quote from your vet. This means that you pay your excess only, and we will settle the bill with your vet for costs covered by the policy up to the amount quoted by the vet. We will work with you throughout to assist and provide guidance.

Yes. Vets choice pays 100% of eligible costs covered by this policy less your nominated excess up to the agreed limit, either policy aggregate or sub-limit if applied.

Information on claims

    You can rest easy knowing that the Vets Choice claims centre is completely handled within Australia. You can make a claim easily either online or over the phone with our friendly claims staff today.


    Make a claim