Cat Insurance Austria 2025: The Complete Guide
Everything about cat insurance in Austria: Surgery & health coverage from €8/month, 6 providers compared. Save up to €200. Get informed now.
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Why Cat Insurance Makes Sense
Cats are popular pets in Austria – and like all animals, they can get sick or have accidents. A surgery can quickly cost €1,000 to €3,000. Cat insurance protects you from these unexpected expenses.
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Three Types of Cat Insurance
There are three main types of cat insurance:
1. Health Insurance (Full Coverage)
The most comprehensive coverage for your cat:
- All veterinary treatments
- Diagnostic examinations
- Medications and vaccinations
- Outpatient and inpatient care
- Aftercare and rehabilitation
Cost: €20-60/month depending on plan
2. Surgery Insurance
Coverage specifically for operations:
- All surgery costs
- Anesthesia and surgical materials
- Post-operative care
- Hospital stay
- Emergency surgeries
Cost: €8-25/month depending on plan
3. Accident Insurance
Special protection for accidents:
- Accident-related treatments
- Emergency surgeries after accidents
- Aftercare
- Rehabilitation
Cost: €5-12/month
What Does Cat Insurance Cost?
| Insurance Type | Monthly Cost | Best For |
|---|---|---|
| Surgery Basic | €8-15/month | Indoor cats, budget-conscious |
| Surgery Premium | €15-25/month | Outdoor cats, older cats |
| Health Insurance Basic | €20-35/month | All-round protection desired |
| Health Insurance Full | €35-60/month | Maximum protection |
Outdoor vs. Indoor Cats
Choosing the right insurance depends heavily on whether your cat goes outdoors or stays indoors:
Outdoor Cats (Higher Risk)
Outdoor cats face greater dangers:
- Traffic accidents – One of the most common causes of death
- Fights with other animals – Bite wounds, abscesses
- Poisoning – Toxic baits, plants, chemicals
- Infectious diseases – Through contact with other cats
Recommendation: Health insurance or Surgery + Accident coverage
Indoor Cats (Lower Risk)
Indoor cats have fewer accident risks, but:
- Falls – From furniture, cat trees
- Swallowing foreign objects – Toys, hair ties
- Chronic conditions – Kidney problems, diabetes
- Dental issues – Common in older cats
Recommendation: Surgery insurance often sufficient
Important: No Separate Liability Insurance Needed
Good news: Unlike dogs, cat owners in Austria do not need separate liability insurance. Damages your cat causes to others are typically covered by your household insurance.
Tip: Check your household insurance to confirm cat damages are explicitly included.
Providers Compared
durchblicker.at compares 6 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
- Hepster – Digital insurer with flexible plans
Compare All 6 Providers
What to Consider When Signing Up
1. Waiting Periods
Most insurances have waiting periods:
- Illnesses: 1-3 months
- Accidents: Often covered immediately
- Surgeries: 1-2 months
2. Deductibles
Many plans have deductibles:
- Lower premium = higher deductible
- Higher premium = no/low deductible
3. Coverage Limits
Pay attention to maximum reimbursement amounts:
- Per treatment
- Per year
- Lifetime
4. Pre-existing Conditions
Important: Existing conditions are usually excluded. That's why early enrollment pays off!
The Right Age to Enroll
The earlier, the better! Most insurers accept cats from 2-3 months. Early enrollment means:
- • Lower premiums (often stay the same for life)
- • No pre-existing conditions excluded
- • Full insurance coverage from the start
Special Case: Pedigree Cats
Certain pedigree cats may have higher premiums:
- Persian – Prone to kidney problems
- Maine Coon – Heart disease (HCM)
- Siamese – Dental problems
- British Shorthair – Obesity, joint problems
Tip: Despite higher premiums, insurance is often especially worthwhile for pedigree cats.
Use the Chip Discount
Many insurers offer discounts for chipped cats:
- Up to €20/month savings
- Chip also helps if lost/stolen
- Proof via vaccination record/vet
Frequently Asked Questions (FAQ)
From what age can I insure my cat?
Most insurers accept cats from 2-3 months. Some also have maximum age limits (usually 8-10 years for new enrollments).
Are pre-existing conditions covered?
No, existing conditions at the time of enrollment are usually excluded. That's why: enroll as early as possible!
Are there waiting periods?
Yes, typically 1-3 months for illnesses. Accidents are often covered immediately.
Can I deduct the insurance from taxes?
No, pet insurance is not tax-deductible in Austria.
What happens if I change vets?
You can freely choose which vet to visit. Most insurances have no restrictions.
Conclusion: Cat Insurance as Sensible Protection
Cat insurance protects you from unexpected vet costs and gives your feline friend the best medical care. Protection is especially recommended for outdoor cats and pedigree cats.
Our recommendation:
- Indoor cats: Surgery insurance from €8/month
- Outdoor cats: Health insurance or Surgery + Accident
- Enroll early: The younger, the cheaper
Compare Cat Insurance Now
Compare 6 providers and find the right protection for your cat – save up to €200 yearly.
Go to Cat Insurance Comparison on durchblicker.at
Disclaimer: The information in this article is for informational purposes only and does not constitute insurance advice. Prices and services may change. For current rates, please visit the respective provider's website.
Disclaimer and Legal Information
No Financial or Legal Advice: The information provided on this website is for general information purposes only and does not constitute financial, legal, or tax advice. It does not replace individual consultation with a professional expert.
No Warranty for Accuracy and Timeliness: Despite careful research, we cannot guarantee the completeness, accuracy, and timeliness of the information. Prices, terms, and services may change at any time. Please verify all information directly with the respective provider.
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Information as of: November 2024. All information without warranty. Changes and errors excepted.