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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. 

Tom Harrison
Content writer
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Posted 1 OCTOBER 2019

Getting pet insurance for an older cat

Pet insurance premiums tend to get more expensive for an older cat. Once your pet cat is seven or older, you could see conditions or restrictions attached to premiums. For example, insurance providers won’t cover any pre-existing conditions your older cat may have when you take out the policy.

That’s why it’s important to understand how this cover works and 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?

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.

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?

When looking for pet insurance for older cats, it is also important to consider:

  • 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.

Compare your cat insurance options

Getting the right pet insurance for your older cat can be tricky. But comparing cat cover from the UK’s most popular insurance providers is easy. Simply enter the details about you and your cat and we’ll show you what cover is available, the cost and the policy details. 

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