Best pet insurance for Bombays in Australia (2026)
By Catstuff Editorial · Updated 2026-05-13
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For a Bombay in 2026: RSPCA Pet Insurance — cheap accident-only, rspca-branded. From $18/month for comprehensive cover. Lower hereditary risk means standard cover is sufficient.
Bombays in Australia have a specific health profile that should shape the insurance decision. The breed's documented risks — Burmese head defect (DNA test parents), Excessive tearing, Hypertrophic cardiomyopathy — determine which insurer wording matters most. Bombays sit at lower hereditary risk than most pedigrees, which opens up the cheaper PetSure-underwritten options without sacrificing meaningful cover.
Why this breed's insurance recommendation differs
AU pet insurers price on age, breed and postcode. The breed component is loaded against documented hereditary conditions: HCM (hypertrophic cardiomyopathy) for Maine Coon and Ragdoll; PKD (polycystic kidney disease) for Persian and Himalayan; diabetes for Burmese; FLUTD for British Shorthair males; cardiac issues for Sphynx. Bombay-specific conditions to be aware of:
- Burmese head defect (DNA test parents)
- Excessive tearing
- Hypertrophic cardiomyopathy
- Gingivitis
The right policy is the one that doesn't exclude what your cat is actually likely to claim against. Reading the PDS carefully matters more than reading the premium number.
Ranked picks for Bombays
RSPCA Pet Insurance
$18/mo
70% / 80%
Limited
PetSure
PetSure-underwritten, RSPCA-branded. The accident-only plan is one of the cheapest entry points in the AU market — useful for older cats where comprehensive premiums are uneconomic. A portion of each premium goes to RSPCA, which some owners find meaningful.
Woolworths Pet Insurance
$26/mo
70% / 80%
Limited
PetSure
Woolworths Insurance is a PetSure policy with the Woolworths branding bolted on. The Basic plan undercuts most other comprehensive options. Everyday Rewards members get a small ongoing discount. Functionally identical to other PetSure policies — pick on price.
Knose Pet Insurance
$32/mo
60% / 70% / 80%
Standard
PetSure
Knose is the most customisable insurer in Australia. Pick your excess, reimbursement %, and annual limit — premium adjusts in real-time. Great for owners who know their budget and want to shape cover around it. Underwritten by PetSure (the dominant AU pet underwriter).
Medibank Pet Insurance
$28/mo
70% / 80%
Limited
PetSure
Medibank Pet Insurance is a PetSure policy sold through the Medibank brand. Existing Medibank health-insurance members get an automatic 10% discount on the pet policy — often making this the cheapest comprehensive option for that segment. Functionally identical to other PetSure products.
Bupa Pet Insurance
$28/mo
70% / 80%
Limited
PetSure
Bupa Pet Insurance is a PetSure policy with a Bupa health-insurance member discount layered on. If you're already a Bupa member it's worth a quote — the discount can put it ahead of Woolworths. Non-members get standard PetSure rates.
What a Bombay insurance claim looks like
Typical claim scenarios for Bombays based on the breed's risk profile:
- Routine illness ($400–$1,200) — GI upset, respiratory infection, urinary tract issues. The bulk of claims.
- Dental cleaning + extractions ($700–$1,800) — likely once every 2–4 years past age 5.
- Senior-cat workups ($600–$1,500) — kidney bloods, thyroid panels, ultrasound from age 9+.
- Emergency overnight care ($1,800–$4,200) — sudden illness, ingestion, road trauma. Universal across breeds.
FAQs — insuring a Bombay
Does pet insurance cover hereditary conditions for Bombays?
Bombays have low documented hereditary risk. Most AU insurers cover the conditions that affect this breed under standard illness cover — premiums are typically 10–20% lower than for pedigrees with hereditary loading.
What's the cheapest pet insurance for a Bombay?
For a healthy 1-year-old Bombay, expect $18–$37/month for comprehensive cover with 80% reimbursement and $200 excess. RSPCA Pet Insurance starts cheapest in this profile.
Should I insure my Bombay as a kitten or wait?
Insure as a kitten — between 8 and 12 weeks. Pre-existing exclusions are universal in AU pet insurance, and Bombay-specific conditions (burmese head defect (dna test parents)) noted on any vet visit before enrolment will be permanently excluded.
Are pedigree Bombays more expensive to insure than moggies?
Only slightly. Bombays sit close to mixed-breed pricing — most insurers don't apply a significant breed loading without documented hereditary risk.
What about Bow Wow Meow for Bombays?
Bow Wow Meow has historically been the strongest hereditary-cover policy in AU and remains editorially recommended for high-risk pedigrees. However, BWM is no longer accepting affiliate partnerships (CF declined our application 2026-04-30 citing Corporations Act changes). We cover them honestly in our comparison; we just don't earn commission on BWM clicks. Most non-hereditary breeds don't need BWM's premium hereditary cover.
Related guides for Bombay owners
Temperament, care, health, AU-specific notes.
Breeder, adoption, 5-year cost of ownership.
Daily portions, top AU picks, watchouts.
Full comparison table — premiums, hereditary, claims.
Insurance picks for similar breeds
Updated 2026-05-13 · Not financial advice. Read each insurer's PDS before buying. Premium figures are mid-2026 indicative quotes for a 1-year-old cat in a metro postcode.