Common cat illnesses and injuries
Budget Direct Cat Insurance covers a wide range of illnesses and accidental injuries (except pre-existing ones). They include common ones like:
- Cat flu
- Ear infection
- Heart disease
- Kidney disease
- Skin allergy
- Urinary tract disease
- Bite wounds
- Burns or electrocution
- Cuts, grazes and lacerations
- Eye trauma
- Fractures and ligament damage
- Heat stroke
- Poisoning (e.g. snail bait)
- Torn or broken nails
What’s not covered
There are certain things Budget Direct Cat Insurance does not cover (called ‘exclusions’).
The following list shows some of these exclusions:
For the full list of exclusions, please read the Product Disclosure Statement.
Frequently asked questions
Can I take my cat to any vet?
Yes — Budget Direct Pet Insurance customers can take their cat to any qualified and registered vet in Australia.
How much of my vet bill will be covered?
For example, if your cat needs treatment for diabetes mellitus and you receive a bill of $3,000, we’ll reimburse you as follows:
80% of the vet bill: $2,400
Minus the excess: $100
Total reimbursed to you: $2,300
If I make a claim, will I have to pay an excess?
Yes — a $100 excess applies once per related condition claimed per year.
For example, if your cat needs treatment for kidney disease twice during the 12-month policy period, you’ll be required to pay the excess for the first claim for that condition, but not the second.
Similarly, if your cat develops a condition that’s related to one you’ve already made a claim for (e.g. a bladder infection stemming from kidney disease), you won’t have to pay another excess.
Each time you renew your annual policy, the excess will be reset (i.e. the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).
How can I pay for my pet insurance?
You can pay for your Budget Direct Pet Insurance premium by direct debit from your bank account, credit card or debit card (Visa or Mastercard).
You can pay monthly or annually (the second option is the most economical).
What is an orthopaedic condition?
An ‘orthopaedic condition’ is any condition of the bones, muscles, cartilage, tendons, ligaments and joints.
Common orthopaedic illnesses in dogs and/or cats include:
- hip dysplasia
- intervertebral disc disease
- patella luxation
- elbow dysplasia.
Claims for orthopaedic conditions are subject to a waiting period of two days (accidental injury) and 30 days (illness) and an annual benefit sub-limit of $4,000.
(The exception are cruciate ligament conditions, which have a waiting period of six months and an annual sub-limit of $2,600.)