Up to what age can you insure a cat?
As cats, just like people, are more likely to experience health problems as they get older, it is not financially viable for pet insurers to insure older cats. If your cat is already a little older and you want to take out a new policy, your options are somewhat limited.
- The insurers Inshared and Dierenverzekering.nl have a maximum age limit of 5 years for cats to be accepted for cover.
- At PetSecur, this threshold is slightly higher, and you can take out insurance for a cat up to and including 6 years of age.
- Cats aged 8 years or under can be insured with OHRA.
- Univé applies a maximum age of 9 years at the time the policy is taken out.
- Cats aged 10 years or over can only take out a new policy with Figo.
Bear in mind, however, that the older your cat is, the higher the insurance premium is likely to be. The premium for cat insurance generally increases as your cat gets older, but if you insure your cat from kittenhood, you’ll pay a lower premium later in life.
What if your cat is older than the age limit?
The age limit for cat insurance naturally only applies when the policy is taken out. If your cat is already insured and subsequently exceeds the age limit, they will, of course, remain insured. The policy cannot simply be terminated once your cat reaches a certain age.
However, switching insurers does become much more difficult later in life. In that case, the age limits mentioned above do apply.
At what age can you insure a kitten?
In most cases, you can only insure a kitten from the age of 7 or 8 weeks. Until then, a kitten is still with its litter, so you don’t actually need insurance yet.
Some insurers do allow you to take out a policy for a kitten in advance, using the date on which it is allowed to leave the litter as the policy start date. That way, your kitten is insured from the moment it leaves the litter.
