Senior Cat Insurance
Older cats need care most — find a policy that covers them
From $45–$80/month
Compare ProvidersSenior cats (aged 7 and over) are more likely to develop chronic conditions such as kidney disease, hyperthyroidism, and arthritis — all of which can result in ongoing vet costs. Finding the right insurance for an older cat requires understanding what is and isn't covered.
Key Considerations for Senior Cats
- Premiums increase with age — expect to pay more than for a young cat
- Age-based loadings apply with some insurers (not PD Insurance)
- Pre-existing conditions may be excluded or rated
- Chronic and ongoing conditions are key coverage to check
- Some insurers have an upper age limit for new policies
Recommended Cover for Senior Cats
Comprehensive illness cover with a $15,000+ annual limit and low excess
Average cost: $45–$80/month
Key advice for senior cat owners
PD Insurance is the only NZ insurer with no age-based premium loadings — meaning your premiums don't automatically increase just because your cat is older. Compare their Deluxe plan against Southern Cross PetCare Ultimate for older cats.
Recommended Providers for Senior Cats
Petcover
Canstar Most Satisfied Customers Award 2025 — NZ's top-rated cat insurer
What's Covered
- Up to $14,000 annual benefit limit
- Vet consultation fees included
- Optional: alternative/complementary treatment
- Optional: boarding fees if owner hospitalised
Key Limitations
- Pre-existing conditions excluded
- Dental illness on premium plans only
- Optional extras increase premiums
Southern Cross Pet Insurance
Pet Easy-Claim lets your vet bill Southern Cross directly — no waiting for reimbursement
What's Covered
- PetCare plans with $2,500–$15,000 annual limits
- Pet Easy-Claim: vet bills insurer directly
- Skin conditions, cancer & chronic diseases covered
- Accidental injuries including broken bones
Key Limitations
- $250 annual excess applies
- 20% co-payment on all claims
- Pre-existing conditions not covered
FAQs: Senior Cat Insurance
Can I insure a 10-year-old cat in NZ?+
Yes, but options narrow above age 10. Most NZ insurers cover cats up to age 12–14 for new policies. Check each insurer's age limits before applying.
What conditions are most common in senior cats?+
Kidney disease, hyperthyroidism, dental disease, diabetes, arthritis, and cancer are the most common conditions in NZ cats aged 7 and over.
Does pet insurance cover ongoing medication?+
Yes — most comprehensive plans cover ongoing prescribed medication as long as the condition was not pre-existing at the time of your application.
Get a Senior Cats Quote
Compare All Providers
See how all 5 NZ cat insurers stack up — premiums, limits, excess, and coverage — in one place.
Compare All Providers