Pet Insurance Australia (PIA) understands that no two cats—or their vet bills—are the same. Today, we're simplifying the complexity of pet cover with the unveiling of Select & Protect, a ground-breaking pet insurance policy that finally puts flexibility, simplicity, and your cat's best life first.
Built from passionate feedback from Australian cat parents, this single, streamlined policy is designed to eliminate bill-shock and endless paperwork, giving you more time for playtime, snuggles, and everything else that matters with your beloved moggy.
"Cat owners told us they wanted choice, transparency, and ease. We listened," says Ali Osmani, Founder and Owner of Pet Insurance Australia. "Select & Protect is flexible and fuss-free, allowing families to focus more on their pets and less on paperwork. Crucially, we’ve removed those pesky sub-limits that can surprise you when your cat needs care the most."
Why Select & Protect is Different: Freedom, Not Fine Print
They've thrown out the confusing tiers and complex caps. Select & Protect is built on three core pillars of freedom, allowing you to tailor your cover to your cat and your budget:
1. True Flexibility: The Choice is Yours
Stop paying for a policy that’s almost right. You can now build your ideal cover by choosing your perfect combination of:
- Annual Benefit Limit: Up to a massive $35,000—one of the highest limits on the market—to cover the most unexpected of emergencies ($15,000, $25,000, or $35,000 options).
- Benefit Percentage: Choose how much PIA covers: 70%, 80%, or 90%.
- Excess: Set your annual excess ($0, $100, $300, or $600) to keep your premium manageable.
2. No Sub-Limits. Period.
The design is clear and straightforward, meaning no hidden caps or surprises on specific conditions or treatments. If a condition is covered by your annual limit, it's covered. Now you can get the best care for your cat—whether it’s for a bout of Feline Lower Urinary Tract Disease (FLUTD), an unexpected emergency, or an ongoing condition—without worrying about hidden fine print.
3. Custom Care Add-Ons for a Full, Happy Life
Your policy can grow with your cat's needs, from kitten check-ups to senior care:
- Booster Care (Optional Add-on): Covers eligible vet expenses for a wider range of services, including specified dental conditions, physical therapies, and behavioural treatments (great for anxiety or stress-related issues in indoor cats).
- Routine Care (Optional Non-Insurance Benefit): Assists with everyday wellness expenses like annual vaccinations, annual blood/urine testing, FIV/FeLV testing, flea/tick prevention, and more.
Peace of Mind Features for Australian Cat Parents
- Seamless GapOnly® Claims: Say goodbye to upfront bill-shock. At over 1,000 participating vets across Australia, eligible claims can be processed in under 10 minutes, so you only pay the gap at the time of your cat’s discharge.
- MyPetPass® Access: Receive complimentary 24/7 Live Vet consultations via video or chat, providing immediate expert advice without leaving home, plus access to exclusive discounts at pet retailers.
This policy empowers cat owners to choose the cover that truly fits their needs. As a family-owned Australian business, PIA is proud to offer one of the market’s most clear and comprehensive policies, helping families get the most out of their cat insurance.
Important Feature Details & Disclosures
GapOnly® Claims: Available at participating vets. The GapOnly® service processes eligible claims on the spot so customers pay only the difference (the gap) between the vet's invoice and the eligible policy benefit. Find participating vets at
Live Vet Support: A complimentary service providing 24/7 access to general veterinary telehealth advice via online video or chat for your insured cat(s).
MyPetPass®: A complimentary rewards programme for active policyholders, subject to terms and conditions, offering discounts and benefits. Full details available at
Policy Administration and Legal Disclosures
Pet Insurance Australia (PIA) policies entered into for the first time on or after 8 May 2023 and subsequent renewals are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR), Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA).
Any advice provided in this release is general only and does not take into account your individual objectives, financial situation, or needs. Please consider the Product Disclosure Statement (PDS) and Target Market Determination available at
