In Austria, veterinary costs for cats can quickly reach thousands of euros. Cat insurance protects you from unexpected costs for surgeries, treatments, and medications.
Three Types of Cat Insurance
Health Insurance
Comprehensive coverage for all veterinary treatments – from routine visits to complex therapies.
- Veterinary examinations
- Diagnostic measures
- Outpatient treatments
- Inpatient treatments
- Medications
Surgery Insurance
Protection for surgeries – ideal if you mainly want to cover high surgery costs.
- All surgery costs
- Anesthesia and materials
- Aftercare
- Hospital stay
- Emergency surgeries
Accident Insurance
Special protection for accidents – particularly important for outdoor cats.
- Accident-related treatments
- Emergency surgeries
- Aftercare
- Rehabilitation
- Follow-up treatments
Why Cat Insurance?
High Vet Costs
A surgery can quickly cost €1,000-3,000. With insurance, you only pay the premium.
Outdoor Cat Risk
Outdoor cats have higher accident risk from cars, other animals, and hazards.
Rising Vet Costs
Veterinary costs increase yearly. Early enrollment secures lower premiums.
No Liability Needed
Unlike dogs: Cat damages are covered by household insurance.
Early Enrollment Pays Off
The younger the cat, the lower the premium. Ideal from 2-3 months.
Chip Discount
Chipped cats often receive discounts of up to €20/month.
Important: No Separate Liability Needed
Unlike dogs, cat owners do not need separate liability insurance. Damages caused by your cat (e.g., at neighbors') are typically covered by your household insurance.
Tip: Check your household insurance to confirm cat damages are explicitly included.
Outdoor vs. Indoor Cats
Outdoor Cats
Higher Risk- •Traffic accidents
- •Fights with other animals
- •Poisoning
- •Infectious diseases
→ Health insurance or Surgery + Accident recommended
Indoor Cats
Lower Risk- •Falls from furniture
- •Swallowing foreign objects
- •Chronic conditions
→ Surgery insurance often sufficient
What Does Cat Insurance Cost?
Costs vary depending on age, breed, and chosen coverage:
| Insurance Type | Cost |
|---|---|
| Surgery Basic | €8 - €15/month |
| Surgery Premium | €15 - €25/month |
| Health Insurance Basic | €20 - €35/month |
| Health Insurance Full | €35 - €60/month |
| Accident Coverage | €5 - €12/month |
Save up to €200 per year by comparing!
Providers Compared
durchblicker.at compares 6 leading cat insurers in Austria:
Agila
German specialist for pet insurance
Allianz
International insurance corporation
Balunos
Specialized in pet insurance
DFV
Deutsche Familienversicherung
Helvetia
Swiss quality and reliability
Hepster
Digital insurer with flexible plans
Frequently Asked Questions
From what age can I insure my cat?
Most insurers accept cats from 2-3 months. The earlier you enroll, the lower the premiums.
Are pre-existing conditions covered?
Existing pre-existing conditions are usually not covered. That's why early enrollment is worthwhile.
Are there waiting periods?
Yes, most insurances have waiting periods of 1-3 months. Accidents are often covered immediately.
Are pedigree cats more expensive to insure?
Sometimes yes. Some breeds have genetic predispositions for certain conditions, which can lead to higher premiums.
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Compare Cat InsurancePrices and benefits vary by provider, age, and health status of the cat. As of: December 2025.