Pet insurance for senior cat care

As our feline companions grow older, their needs start to change. Just like us, they might need a bit more awhi (care and support) to keep them happy, comfortable, and thriving. That’s where pet insurance for older cats comes in. Having the right coverage in place can alleviate the stress of unexpected vet visits and help you focus on your cat’s well-being.

Why pet insurance can matter for cats

We usually think about pet insurance when animals are young and adventurous, but it may be just as important for older cats. As cats age, they’re more likely to develop health conditions, which can lead to more frequent (and more expensive) trips to the vet.

Having cat insurance gives you peace of mind that you're financially prepared (up to a specified extent, for eligible claims only), so you don’t have to make hard decisions based on cost. It may also help you access treatments earlier, potentially improving outcomes for age-related conditions. (We also have similar cover for senior dogs because golden oldies deserve the best care, no matter the species.)

However, it's crucial to understand that most insurance policies do not cover pre-existing conditions which many senior pets may already have.

What are the pet insurance options for older cats?

At SPCA Pet Insurance, we understand that senior cats are still a cherished part of the whānau. That’s why cats over 9 years of age are still eligible for two of our levels of cover. These plans help with eligible vet bills for:

• Consultations and diagnostics
• Medications and surgery
• Hospitalisation

You can compare our cover options or get a quote online to see what’s right for your cat.

Common health issues (and how pet insurance can help)

Older cats are more prone to certain chronic illnesses. Here are some of the most common ones, and how pet insurance may support ongoing care:

• Chronic kidney disease: This affects around one-third of cats over 15 years and may require long-term treatment, including fluid therapy and a special diet
• Arthritis: Senior cats often experience joint pain and stiffness, which can be managed with pain relief, vet-recommended supplements, and lifestyle changes
• Hyperthyroidism: This is one of the most common endocrine disorders in older cats, leading to weight loss, increased appetite, and restlessness
• Diabetes: Often diagnosed in middle-aged or senior cats, diabetes typically requires daily insulin and regular vet check-ins

Keep in mind that any health condition including the ones mentioned above will not be covered by most seniors pet insurance policies if they are pre-existing. Without insurance, managing these conditions may become expensive. Having pet insurance for older cats may help make ongoing care more affordable, so your cat can stay healthy for longer. 

What to consider when insuring a senior cat

Not all pet insurance policies are created equal, so it’s important to choose one that fits your cat’s needs. Consider:

• Pre-existing conditions: These typically aren’t covered, so it’s better to get insurance before signs of illness appear.
• Benefit limits: Look into annual caps and limits on specific treatments.
• Waiting periods: Understand how soon your cover kicks in after you sign up.
• Dental cover: A potentially handy addition for seniors, since dental disease is so common. However, not all providers offer dental and those who do offer it as an added extra (which will up your premiums!)
• Lifestyle: Indoor cats and outdoor cats may face different risks.

Evaluating the cost of pet insurance for senior cats

Premiums for cat insurance for older cats can be higher than for younger pets, but they may pay off if your cat develops an eligible health condition.  

More than anything, SPCA Pet Insurance could give you confidence. And after a lifetime of snuggles, purrs, and companionship, they deserve to grow old with the best care possible, which may also be without pet insurance.