Do you have an old cat and want to know if having pet insurance is worth it?
The simple answer is: yes, taking out an old cat insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.
In this guide, we’ll detail all the different types of old cat insurance, the average cost of taking out an old cat insurance and and we’ll also give you an indicative quote to find the best pet insurance for your old cat .
Table of Contents
What type of old cat insurance is best for you?
When researching the best insurance policy, there are different policy types to consider. From the least comprehensive to the most, these are:
|Level of coverage||Details|
|Maximal benefit cover|
How much is old cat insurance?
It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:
- Your old cat ’s age, The older your old cat is, the more expensive it will be to insure your old cat .
- Where you live in the UK. Vet fees are not the same all over the UK.
- Whether your old cat is a pedigree or not. Often, you will be asked when taking out cat insurance if your older cat is a pedigree or a moggie. A pedigree can be more expensive to insure as they are prone to having poorer health.
- Your older cat’s breed. Some breeds are more more likely to have an illness than others. The less expensive breed is the Sphynx, whereas one of the most expensive breeds is the Siamese.
The average cost of old cat insurance in UK is about £140 per year, so £11,5 per month..
What does old cat insurance cover?
Not all insurers offer the same features, so check before insuring your old cat . Here is a little table that shows what is usually covered by an old cat insurance:
|Included or not||Details|
|Vet fees||You can ask money back for vet fees if your old cat received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your old cat died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your old cat if you have an emergency|
|Overseas travel cover||Your old cat is covered in another country|
|Third party liability cover||Covers legal liability if your old cat causes damage or injury. |
For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.
What is the best pet insurance for old cat ?
As seen above, there are four levels of coverage to insure your old cat. Your premium will depend on the level of coverage you choose and on how much you wish to be covered. In the two tables below, we will indicate quotes for accident only and lifetime, so that you can have an idea of the prices.
Which is the best lifetime insurance for old cat?
|Insurers||Vet fees||Excess||Extra||Monthly premium|
What are the best accident only pet insurance for my old cat?
You will find indicative quote to insure your old cat for accident only. Your cat will be insure only for accidents, and sometimes for illness, depending on the provider:
|Insurers||Vet fees||Excess||Extra||Monthly Premium|
£2,500 per accident
£2,500 per injury or accident
|Legal and General|
£2,500 per accident per policy year
Death by accident
£2,500 per accident
£3000 per accident
What is not included in your old cat insurance?
Often, these kind of features are not included in your old cat insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your old cat ‘s existing conditions.|
|Routine medical treatment||Your old cat insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for old cat insurance.|
|International cost||Some insurers won’t offer to cover your old cat abroad.|
|Dental treatment||Often excluded from old cat insurance.|
|old cat age||Sometimes your old cat will not be covered if your pet is considered too old.|
Can you get a discount when taking out pet insurance for your old cat?
Lot of providers propose a discount when insuring your old cat online:
If you take out your pet insurance for your old cat at Direct Line, you can get 12 months cover instead of 9 month cover