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Kitten Insurance vs Senior Cat Insurance

Cat Insurance for Kittens vs Senior Cats

Cats go through many stages in life—from playful kittens to wise senior companions—and their health needs change along the way. That’s why Potiki offers flexible cat insurance plans designed to support your feline friend at every age.

Whether you’re raising a curious kitten or caring for an older cat, the right cover can help you manage vet bills and keep your pet healthy, happy, and protected.

Insurance for Kittens

Starting early is one of the best ways to ensure full coverage throughout your cat’s life. By insuring your kitten before any issues arise, you can:

  • Avoid exclusions for pre-existing conditions

  • Access cover for early illnesses and accidents

  • Build a history with your insurer from the start

Common health concerns in kittens:

  • Worms and parasites

  • Upper respiratory infections

  • Gastrointestinal issues

  • Injuries from play or falls

  • Dental development problems

Gold or Platinum Cover

These offer more comprehensive cover and higher limits as your kitten grows. Platinum also includes dental illness cover, which is helpful as your cat matures.

Insurance for Senior Cats

Senior cats (typically aged 7+ years) are more likely to develop age-related conditions. That can mean more frequent vet visits, ongoing medications, and chronic disease management.

Common senior cat health issues:

  • Arthritis or mobility issues

  • Chronic kidney disease (CKD)

  • Dental disease

  • Hyperthyroidism

  • Diabetes

  • Vision or hearing loss

Bronze (Indoor Cat Cover)

Accepts cats up to 15 years old and provides essential cover for illnesses and accidents. Optional dental illness cover available.

Note: Gold and Platinum plans are available up to age 9. If your senior cat is already older, Bronze is your best option.

Key Differences at a Glance

FEATURE KITTENS SENIOR CATS
Age Range
8 weeks to ~1 year
7+ years
Risk Profile
Accidents, parasites, minor infections
Chronic illness, mobility issues
Pre-existing Conditions
Easier to avoid
More likely to exist (and be excluded)

Benefits for All Life Stages

No matter your cat’s age, all Potiki policies come with Potiki Perks# and myPetPass™, offering:

At no additinal cost, myPetPass™** gives you access to:

  • 24/7 online vet consultations (LiveVet) ~
  • 30% off prescription cat medications
  • Discounts on flea, tick & worming products
  • Savings on premium cat food

The Potiki Perks App2 gives you access to:

  • Retail, travel & entertainment deals for you and your household

These extras are included at no extra cost—making Potiki an even better value for long-term pet care.

Get the Right Cover for Your Cat’s Life Stage

Whether your cat is just starting life or enjoying their golden years, Potiki makes it easy to choose a plan that grows with them—or supports them through their most vulnerable years.