Compare pet insurance for older cats

The average cat insurance claim is now a whopping £695, according to the Association of British Insurers (ABI). This means you could be landed with an unwelcome bill if your cat has an illness or unfortunate accident. 

Find out about insurance options for your older cat and how to protect yourself against the cost of expensive treatments.

The average cat insurance claim is now a whopping £695, according to the Association of British Insurers (ABI). This means you could be landed with an unwelcome bill if your cat has an illness or unfortunate accident. 

Find out about insurance options for your older cat and how to protect yourself against the cost of expensive treatments.

Tom Harrison
Insurance expert
4
minute read
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Posted 13 JANUARY 2022

Getting pet insurance for an older cat

The older your cat, the more expensive your insurance premiums are likely to be. Once your cat reaches the age of seven, you may find that certain conditions or restrictions are added to your premiums. For example, insurance providers probably won’t cover any pre-existing conditions your older cat has when you take out the policy. Some might even add an additional age excess that you’ll have to pay once your cat gets over a certain age. 

That’s why it’s so important to shop around for a great deal on pet insurance for an older cat. This guide should help.

Why is insurance for older cats more expensive?

Like humans, cats are more likely to have health or dental issues as they age. 

This means they’re more likely to have bumps and scrapes, which will involve medical care. That could entail bigger bills for the insurance provider, which usually means higher premiums for you. 

Although your insurance may become pricier, getting cover doesn’t need to be difficult. Our comparison service helps you find quotes for your older cat quickly and easily.

What types of pet insurance is available for older cats? 

There are four main types of cover to choose from: 

  • Lifetime pet insurance – this is the most comprehensive cat insurance you can get. It tends to be the most expensive, but is often the most popular choice for older cats. And it should cover your older cat for life for new conditions – as long as you renew your policy every year.
  • Maximum benefit pet insurance – this allows you to claim for each new injury or illness up to a set amount. That limit means it isn’t usually a good choice for covering long-term conditions that could develop.
  • Time limited pet insurance – this covers your vet’s bills for up to 12 months after the condition first appears. Again, it might not be the right choice for older cats that are prone to longer-term conditions.
  • Accident-only pet insurance – as the name suggests, this covers you for accidents, not illness. Cover this basic isn’t usually suitable for older cats unless you’re willing to pay for all health costs from your own pocket.

What else should I look out for?

When looking for pet insurance for older cats, it’s important to consider: 

  • Pre-existing conditions – unfortunately, most insurance providers won’t cover older cats with pre-existing conditions. Those that do insure your cat will almost certainly exclude claims relating to those illnesses.
  • Excess – how much you pay before you can claim on your insurance cover.
  • What’s covered – as well as your vet bills, some policies will also:
    Pay out if your cat dies
    Cover the cost of putting your elderly cat to sleep as a last resort
    Cover bereavement counselling if you need it.
  • Think before you let a policy lapse – it can be harder to get insurance for an older cat, so it’s often worth keeping your policy in place to save you having to find a new one, since the majority of providers don’t cover pre-existing conditions.

Compare your cat insurance options

Getting the right pet insurance for your older cat can be tricky. But comparing cat cover from some of the UK’s most popular insurance providers is easy. Just give us some info about yourself and your cat, and we’ll show you what cover is available - along with the cost and policy details.

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Frequently asked questions

What factors do insurance providers consider when deciding the price of my cat insurance premium?

There’s a number of factors – besides your cat’s age – that your insurance provider will take into account when deciding the cost of your premium. These include your cat’s breed, where you live and even whether it’s male or female.

How much does vet treatment cost

This will depend on where you live and what’s wrong with your cat, but costs can quickly spiral. According to the ABI, the owners of a cat suffering from soft tissue sarcoma made claims totalling more than £12,200.

Do I have to get pet insurance for my cat?

There’s no obligation to get pet insurance, but as your cat gets older they’re more likely to need it. As vet treatment can be extremely expensive, if you have insurance in place it will cover you for certain treatments, so you can base your decisions on what’s best for your cat’s health rather than what you can afford.

When are cats considered old?

Like humans, cats will age at different rates, but they’re generally considered geriatric from age 12.

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