Chronic kidney disease is one of the most common conditions in older cats, and treating it is for life. It is not a one-off bill but a recurring monthly cost: roughly €80 to €190/month depending on the stage. Here is what it really costs and how a policy that reimburses 100% helps year after year.
What is feline chronic kidney disease?
The cat’s kidneys progressively and irreversibly lose their ability to filter toxins. It is very common from a certain age. There is no cure, but with treatment it is managed and the cat can live for years with a good quality of life. That said, it means a special diet, medication and tests for life.
How much does it cost to treat kidney disease in a cat?
| Item | Indicative cost in Spain |
|---|---|
| Early stage: renal diet + check-ups | from ~€80/month |
| Advanced stage: subcutaneous fluids, antihypertensives, phosphorus binders | up to ~€190/month |
| Periodic monitoring blood tests | included in the monthly cost |
| Estimated annual cost (lifelong) | ~€1,000 – €2,300 per year |
Indicative prices; they vary with the stage of the disease, the clinic and the cat’s needs.
Why does the cost add up so much?
Because it is not a one-off treatment but a chronic, lifelong one. Every month there is diet, medication and, in advanced stages, fluid therapy and monitoring. Added up over the years, the total easily runs into several thousand euros. It is exactly the kind of ongoing cost where having insurance in place before diagnosis makes the difference.
How Petplan covers it
Petplan reimburses 100% of the bill up to €3,100/year, at any vet, with a €45 co-pay. If you take out the policy before diagnosis and keep it, the kidney treatment is covered year after year — not just the first year. Remember: pre-existing conditions are excluded by every company, so it pays to insure your cat while it is healthy.
FAQ
How much does it cost per month to treat a cat with kidney disease?
Between about €80 and €190 a month, depending on the stage and the cat’s needs.
Is it lifelong?
Yes. The disease has no cure, but with diet, medication and monitoring the cat can live for years with a good quality of life.
Does insurance cover kidney disease?
Yes, if it is not pre-existing and you keep the policy. With Petplan you get back 100% of the bill up to €3,100/year, every year.
Is insurance worth it for this?
Yes, precisely because it is an ongoing lifelong cost: taken out in time, insurance covers the kidney treatment year after year.
Indicative prices in Spain (no official scale) updated for 2026; they vary by clinic, region and stage. Petplan Spain cover. More in the best cat insurance. Sources: feline veterinary guides (cuasveterinaria, AniCura).
