The best time to get cat insurance is as early as possible. But if you've adopted an adult or senior cat, you can still find excellent cover — here's what changes.
Why Kitten Insurance is Cheapest
Kittens are statistically healthier than adult cats, so insurers charge less. More importantly, there are no pre-existing conditions to worry about when you insure before 12 months of age.
The Real Cost Difference
For a young adult cat (1–3 years), expect to pay around $22–$35/month for accident and illness cover. For the same cat at age 8, that figure rises to $45–$70/month with most NZ insurers.
Adult Cat Insurance Considerations
- •Pre-existing conditions: Any diagnosis before the policy start date will be excluded
- •Waiting periods still apply: You can't buy insurance because your cat is sick right now
- •Some insurers have upper age limits: Check before applying if your cat is over 10 years old
The One Exception: PD Insurance
PD Insurance is NZ's only insurer with no age-based premium loadings — meaning a 7-year-old cat and a 2-year-old cat in similar health pay the same premium for the same level of cover. This makes PD Insurance exceptionally good value for older cats.
Our Verdict
Get insurance as early as possible — ideally within the first few months of getting your kitten. If you have an adult cat, compare options at catinsurance.co.nz — there are still excellent plans available.
James is a New Zealand personal finance writer who specialises in insurance and consumer protection. He owns two cats and believes in getting the right cover at the right price.
