Compare pet insurance for older cats

Compare pet insurance for older cats

The average pet insurance claim is now £750, according to the Association of British Insurers (ABI). So an illness or unfortunate accident involving your precious older cat could land you with a very unwelcome bill. Find out about the pet insurance options for your older cat and how to protect yourself against the costs of expensive treatments. 

James Martin Content Writer
minute read

Why is insurance for older cats more expensive?

Just as with us humans, as cats age the risk of them having health or dental issues is likely to increase. 

Given this, they’re likely to have more bumps and scrapes and will need more medical care. This care means more expense to the insurance provider, which usually means higher premiums for you.

But while insurance may become more expensive, getting cover doesn’t need to be difficult. Our comparison service helps you find the right quotes for your older cat quickly and easily. We provided 150,196 quotes for older cats from 1st May 2017 to 30th April 2018 for pet lovers.

In fact, the average annual cost of insuring an older cat is £81.74, across all levels of cover.*

*Average price for cat insurance (across all levels of cover) for cats aged 7 or over, based on Compare the Market data in May 2018.
Why is insurance for older cats more expensive?

What types of pet insurance is available for older cats? 

There are four main types of cover to choose from, some of which are more suitable for older cats than others:

  • Lifetime pet insurance – tends to be the most expensive but will cover your older cat for life, as long as you renew the policy every year. This cover can be the best choice for older cats.
  • Maximum benefit pet insurance – this won’t usually be the best choice if your older cat has a long-term health condition.
  • Time limited pet insurance – might not be the right option for older cats with potentially long-term conditions but is generally good for younger cats. 
  • Accident only pet insurance – this basic kind of cover is usually unsuitable for caring for older cats.

What else should I look out for?

  • Pre-existing conditions – unfortunately some insurance providers won’t cover older cats who already have pre-existing conditions. Those that will insure your cat will almost certainly exclude any claims relating to those conditions.
  • Excess – this is the amount you’d have to pay before being able to claim on your insurance cover.
  • What’s covered – in addition to the obvious vet bills, some policies will also:
    • Pay out in the event of the animal’s death
    • Cover the cost of putting your elderly cat to sleep as a last resort
    • Cover bereavement counselling should it be needed
  • Think before you let a policy lapse – It’s harder to get insurance for your older cat, so it may be in your interest to keep an existing policy in place rather than trying to find a new one.
What else should I look out for?

Compare your cat insurance options

As we’ve discussed, getting the right pet insurance for your older cat can be a bit tricky. But at least comparing cat cover from a range of the UK’s most popular insurance providers today is easy. Simply enter the details about you and your cat and we’ll show you what cover is available to you, what it will cost and the policy details. 

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