Risk score 0.95× the average cat. Here is what that means in NZD.
Risk score 0.95x average| Condition / procedure | New Zealand range | Insurance |
|---|---|---|
| Urinary Blockage (male cat) | NZ$740–NZ$3,360 | covered |
| Dental Extractions | NZ$285–NZ$985 | covered |
Average-to-elevated risk. Insurance is a reasonable default unless you keep a large emergency fund.
Run the calculator for a Russian BlueAccident and illness plans with up to 80% back on eligible vet bills; New Zealand's best-known pet insurer.
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Around NZ$11,625 in routine care plus a realistic share of breed-typical conditions, at 2026 New Zealand prices.
Modelled premiums (estimates, not quotes) run about NZ$19–NZ$31 a month for a kitten, rising with age and city.
That depends on what you could pay in cash. The breed's risk score is 0.95× average and the single worst bill we model is NZ$3,360. The calculator compares that bill with your emergency fund and shows the expected net cost of insuring.