What type of cat is good for me and how much will the cat cost to insure?

At ExtrasJar, we love cats and there is no right chose when it comes to deciding what the right cat is for you. We’ve summarised some of the key breeds and explore what to look out for when considering insurance for your cat and the potential cost.
Cats in basket

What breed of cat should I get?

When it comes to selecting the best cat breeds as pets, it ultimately depends on individual preferences and lifestyle. Each cat breed has its unique characteristics and temperaments. Here are a few popular cat breeds known for their suitability as pets:

  • Domestic Shorthair: Domestic Shorthair cats, also known as mixed breed or moggies, are known for their diverse appearances and personalities. They are often friendly, adaptable, and make affectionate companions.
  • Ragdoll: Ragdolls are large, gentle cats with striking blue eyes and semi-longhair coats. They are known for their calm and docile nature, making them great family pets.

  • Maine Coon: Maine Coons are one of the largest domestic cat breeds. They have thick, shaggy fur and are known for their friendly and sociable personalities. Maine Coons are often good with children and other pets.

  • Siamese: Siamese cats are known for their striking blue almond-shaped eyes and short coat with colourpoint patterns. They are highly vocal, intelligent, and social cats that enjoy interacting with their owners.

  • British Shorthair: British Shorthairs are stocky, medium-to-large-sized cats with dense coats. They are known for their easygoing and calm nature, making them suitable for indoor living.

  • Abyssinian: Abyssinians are known for their short, ticked coats and playful personalities. They are active, curious, and enjoy interactive play, making them a good choice for households that can provide mental stimulation and playtime.

  • Burmese: Burmese cats are medium-sized cats with silky, short coats. They are known for their affectionate and outgoing nature, forming strong bonds with their owners.

It’s important to remember that individual cats within a breed can have unique personalities, so it’s always a good idea to spend time with the cat and consider their individual traits and compatibility with your lifestyle before making a decision.

What to consider when buying Pet Insurance for your cat

At ExtrasJar we encourage Aussie to start early protecting your cat from an early age, after all cats are part of the family. The key issues when buying pet insurance for cats include: 

  • Age Limitations: Some pet insurance providers may have age restrictions for enrolling cats. It’s important to research and choose a provider that offers cover for the age of your cat.

  • Waiting and Exclusionary Periods: Many pet insurance policies have waiting or exclusionary periods before coverage begins for certain conditions. Considering your cat’s pre-existing conditions and understanding waiting periods is essential to ensure coverage when needed.

  • Pre-existing Conditions: Most pet insurance policies do not cover pre-existing conditions. However, some providers may offer limited coverage or specific options for managing pre-existing conditions. Review the policy terms regarding pre-existing conditions to understand what coverage is available.

  • Excess, Benefit Percentage and Premiums: Consider the excess amounts, benefit percentage and premium costs associated with the pet insurance policy. Balance your budget with the level of coverage needed for your cat.

How much will insurance cost for my cat?

When you select the cat breed you want, you may wonder how to protect your new family member. Pet insurance is one way. Generally speaking, the cost of insuring a cat in Australia can vary depending on several factors, including the type of coverage, the age and breed of the cat, the level of coverage chosen, and the insurance provider. 

On average, the cost of cat insurance in Australia can range from around $15 to $40+ per month. When considering pet insurance, it’s advisable to research different providers, compare coverage options, read reviews, and consider the specific needs and health risks associated with your cat’s breed to make an informed decision about insurance coverage that aligns with your budget and the cat’s healthcare needs. Good luck with your search. 

The information in this article is general in nature as it has been prepared without taking account of your objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) & Target Market Determination, and obtain appropriate financial and taxation advice, before making a decision about whether ExtrasJar’s products are right for you. ExtrasJar Pet Insurance is subject to age entry requirements, exclusion periods and exclusions, such as pre-existing Conditions. Please see our (PDS) for more details.

Photo by The Lucky Neko on Unsplash

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