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Senior Cat Insurance

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Senior cat insurance made easy!

Is your furry companion gracefully entering their golden years? Well, let me introduce you to older cat insurance that could make this stage of life a lot smoother. It’s like having a personal safety net customized for your seasoned friend, which ensures the necessary care without you worrying about the financial side.

Trust me, it’s a real lifesaver for keeping your old whisker buddy healthy through their senior years.

Who is a senior Cat?

Think of a senior cat who is over 7 to 10 years old. As cats get older, they need more care and check-ups from the vet. Insurance companies usually see cats in this age range as seniors, but it can be different depending on the company. Knowing when your cat becomes a senior helps you take better care of them and make sure they get the attention they need.

Why do I need pet insurance for my older cat?

Pet insurance for senior cats has several health benefits for your ageing furry friend.

Financial Protection

Insurance helps you handle the hefty bills that come with vet visits, surgeries, and medications as your furry friend ages. You can breathe a little easier knowing you have some financial support for your cat’s medical care.

Access to Advanced Treatments

Insurance gives you the chance to pursue top-notch care for your elderly cat. It could be the advanced treatments or special diagnostics. Hence, you can prioritize your cat’s health without any compromise.

Peace of Mind

senior catElderly cat insurance allows you to focus on your cat’s medical needs rather than stressing about the vet’s cost. You can make decisions based on what’s best for your furry friend.

Coverage for Chronic Conditions

As cats age, they often deal with conditions like diabetes or arthritis. Cat insurance for older cats handles ongoing treatment costs so your cat receives uninterrupted medical care.

Emergency Care

Emergency care coverage gives your cat immediate access to veterinary services. It does not even demand high upfront costs.

Preventive Care Support

Certain insurance policies offer preventive care coverage. It includes regular vet check-ups and vaccinations. It helps diagnose early issues and protect cats from major illnesses.

Extended Lifespan

You can expect your insured cat to live longer as it gets regular vet appointments and required care. Insuring your cat will also improve their quality of life.

Flexibility in Treatment Choices

Insurance allows for greater flexibility in choosing treatments, such as alternative therapies and specialist care. So your furry friend can benefit from a wider range of customized medical treatments.

What sort of health conditions might my senior cat develop?

Senior cats are prone to several health conditions, including:

  • Arthritis
  • Diabetes
  • Kidney Disease
  • Hyperthyroidism
  • Heart Disease
  • Cancer
  • Dental Issues

Conditions like these often mean your cat needs consistent treatment and frequent trips to the vet. That’s why older cat insurance is so important—it helps you handle the expenses that come with managing these conditions.

Is there any upper age limit for senior cat insurance?

When it comes to pet insurance, many companies have an age limit for new policies. The upper age limit is around 10 to 14 years old. This means if your cat hits that age, you might not be able to get them a new insurance plan. However, if your cat is already insured before reaching this age limit, most policies will keep covering them as long as you keep paying the premium.

It’s also important to see multiple insurance providers as they have different terms. If your cat has entered its golden years, immediately insure it to avoid any health issues in the future.

What is the best pet insurance for senior cats?

It is recommended to get lifetime insurance for senior cats. However, you can choose from the following according to your pet’s needs.

Accident Only

Accident Only policies are a safety net for your feline friend. This type of insurance covers injuries from accidents, like broken bones or swallowing foreign objects. However, it doesn’t cover illnesses or ongoing health issues. It’s a cheaper option if you’re mainly concerned about unexpected accidents. Just keep in mind, that it won’t help if your senior cat gets sick, which happens more often as they get older.


Time-limited insurance policies provide coverage for a specific condition over a set period, usually 12 months. After this period, the condition is no longer covered. These policies are suitable for accident and illness coverage.

Per condition / Maximum Benefit

This type of policy has a budget for each health issue your cat faces. Once that limit is reached, that condition will no longer be covered. Maximum benefit plans provide better coverage than basic ones. They are also useful for older cats with chronic conditions.


Lifetime insurance covers your cat for their entire life. It renews every year with a claim limit for each condition. This policy is ideal for senior cats and provides full coverage for their health issues.

What factors should be considered when deciding on elderly cat insurance?

Consider the following factors before deciding an on older cat policy:

Comprehensive Coverage

The policy should cover a wide range of medical issues. Chronic illnesses, accidents, and diseases are a must to cover. This is important as chronic issues are more common in aged cats.

No Age Limits

Pick an insurance company that doesn’t have an age limit. You can insure your cat without worrying about their age.

Chronic and Pre-Existing Conditions Coverage

Get information about long-term and pre-existing conditions coverage. Select a policy that covers both chronic and ongoing conditions.

Claim Limits

Find out about the claim limits an insurer offers. Keep in mind that higher limits offer more financial help.

Reimbursement and Deductibles

Select an insurance plan that offers a reimbursement and deductible that fits your budget. You can ask the insurer how much you’ll get reimbursed and what the deductible is.

Customer Reviews

Check the public reputation of the insurance company. Go through customer reviews on the company website and other review platforms.

Why is Insurance more expensive for older cats?

Insurance for older cats is more expensive than expected. As a cat becomes senior, they often face chronic health issues. Increasing health problems means more vet visits and increased medical expenses. Their mobility and coordination decline, making them prone to accidents.

Treating chronic conditions involves long-term medications, which raises the overall expenses. Plus, older cats need advanced diagnostic tests and preventive care like dental cleanings and vaccinations to stay healthy.

Treatment vs insurance cost

Senior cat insurance is relatively more expensive. Senior cats are at risk of arthritis, kidney disease, and diabetes. The treatment for these conditions is also costly. For example, a fractured femur surgery in a cat can cost over £8,000.

Monthly premiums for older cat insurance usually range from £19 to £55. It depends on the level of coverage you choose. At the same time, lifetime policies cost around £10.1 per month, which offers the most comprehensive coverage. However, this policy demands higher excesses and co-payments from your side. You might have to pay a 20% co-payment for elderly cats.

Although these higher costs might seem appalling, they are crucial for your older cat’s health and the care they need. You only need to invest a certain amount in insurance and can focus on the health of your beloved feline without the stress of unexpected veterinary fees.

What is included in pet insurance for older cats?

older catVet costs for injuries resulting from accidents, such as broken bones or cuts.

  1. Diagnosis and treatment for various illnesses, including infections.
  2. Ongoing treatment for chronic conditions that may require regular medication or therapy.
  3. Emergency veterinary visits and urgent care treatments.
  4. Diagnostic tests like X-rays, blood tests, and ultrasounds.
  5. Overnight stays and inpatient care at veterinary hospitals.
  6. Medications prescribed by the veterinarian for various health conditions.
  7. Visits to veterinary specialists for conditions that require advanced treatment.
  8. Alternative treatments like acupuncture or physiotherapy are included.

What does insurance not cover?

  • Pre-existing Conditions
  • Routine care like vaccinations and dental cleanings.
  • Cosmetic Procedures like declawing.
  • Expenses related to breeding and pregnancy.
  • Elective Procedures
  • Special diets unless prescribed for a medical condition.
  • Experimental Treatments
  • Behavioural Training
  • Travel Costs unless specified in the policy​

How can you get Cheaper Insurance for elderly cats?

Shop Around and Compare Quotes

One of the best ways to find cheaper cover for an older cat is to get quotes from different insurers and compare them. Comparison websites will find out a range of prices and coverage options. Look for discounts and special offers, which can vary significantly between providers.

Choose a Higher Excess

Opting for a higher excess (the amount you pay towards a claim) can lower your monthly premium. However, ensure that the excess is still affordable in case you need to make a claim.

Consider Time-Limited Policies

Time-limited policies are generally cheaper than lifetime policies. These provide coverage for a set period, usually 12 months, for each condition. While not ideal for chronic issues, they can be a cost-effective option for less severe health problems.

Focus on Essential Coverage

Eliminate non-essential coverage to reduce costs. For instance, if your cat is an indoor pet, you might not need coverage for accidents that occur outside. You can also customize the insurance policy according to your senior cat’s necessary conditions.

Look for Multi-Pet Discounts

Elderly cat insurance is more money-saving if you own more than one cat. This is because insurers offer multi-pet discounts on bundle policies. If you insure multiple pets under the same policy, it can reduce the overall cost.

Maintain a Healthy Pet

Regular vet visits and a balanced diet for your cat can help you lower insurance rates. Insurance providers understand that preventive care can reduce the chances of chronic conditions. It means there are fewer claims if the cat is living a healthy life.

Review and Update Your Policy Annually

Do not hesitate to look around and find out a better policy. You might find better deals or more suitable coverage options each year. However, if your cat is ageing, it’s better to stick with one company, as most of the insurance providers do not offer new policies for aged cats.

Comparing policies with Quoteradar.co.uk

Comparing quotes from multiple insurers helps find the best senior cat insurance coverage. At Quoteradar, you can find more comprehensive and affordable care options to choose from. We provide detailed comparisons of premiums, benefits, and vet fee limits.

Frequently Asked Questions

Is senior cat insurance worth it?

Pet insurance is very beneficial for older cats as they are prone to different health issues. It helps with the costs of long-term conditions, emergency care, and routine check-ups. Pet insurance ensures that your older cat receives the necessary medical care without breaking the bank.

When are cats considered older in pet insurance terms?

Most of the insurers consider a cat older when it reaches around 7 to 8 years of age. Now, they are more likely to develop age-related health problems. Insurers set high premiums for senior cat insurance due to the higher risk of medical issues.

Does the breed of my older cat affect the premium?

Yes, the breed of your cat can impact the insurance quote. Some breeds can develop specific health conditions that increase the risk for insurers. That’s why premiums for breeds with known health issues are usually higher to compensate for future claims.

Does the insurance cover physiotherapy for my older cat?

Many pet insurance policies cover physiotherapy and other complementary treatments like hydrotherapy and acupuncture. Physiotherapy sessions reduce chronic pain and improve mobility in older cats. However, it’s important to check the specifics of your policy for different coverage levels.

Does the policy cover prescription diets?

Some pet insurance policies include coverage for prescription diets if they are deemed medically necessary by a vet. These diets can help manage chronic conditions or specific health issues. However, not all policies offer this, so reviewing the policy details is essential.

Does it cost more to insure an older cat?

Yes, insuring an older cat typically costs more because they are more likely to develop age-related health issues and require frequent medical care. Insurance premiums increase to offset the higher likelihood of claims for chronic conditions and other health problems common in senior cats.

Can I get a farewell cover for my older cat?

Many pet insurance policies offer farewell cover, which helps with the costs associated with euthanasia, cremation, or burial. This coverage provides both financial and emotional support during the difficult time of losing a beloved pet, making the process a bit easier to handle.

Is dental cover included in older cat insurance?

Dental cover is often included in pet insurance policies for older cats, especially for dental issues resulting from accidents or illnesses. However, routine dental cleanings are generally not covered. It’s important to review your policy specifics to understand what dental treatments are included.

Do cat insurance plans cover end-of-life services?

Yes, many cat insurance plans cover end-of-life services, including euthanasia and cremation. This coverage helps manage the costs associated with these services, providing support and easing the financial burden during your pet’s final moments, ensuring a dignified farewell.

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