What Are The Best Pet Insurance for Older Cats?

antoine fruchard Antoine Fruchard  updated on July 9, 2020

Do you have an older cat  and want to know if having pet insurance for older cats is worth it?

The simple answer is: yes, taking out pet insurance for older cats 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 older cats insurance,  the average cost of taking out an older cat insurance and and we’ll also give you an indicative quote to find the best pet insurance for your older cats.

What type of pet insurance for older cats is best for you?

When researching the best insurance policy for your older cats, there are different policy types to consider. From the least comprehensive to the most, these are:

These are:

Level of coverageDetails
Accidental only
  • Pet insurance basic level
  • Cover for vet bills in case of an accident
Time limited
  • This policy usually lasts 12 months
  • Covers accident and short-term illness
Maximal benefit cover
  • Also known as a ‘per condition’ policy
  • A sum of money is allocated for each illness covered
Lifetime
  • Most comprehensive policy 
  • Covers vet fees up to a stated limit
Different level of coverage – pet insurance for older cats

How much is pet insurance for older cats?

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 animal_name’s age, The older your older cats is, the more expensive it will be to insure your older cats. 
  • Where you live in the UK. Vet fees are not the same all over the UK. 

  • Whether your older 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 pet insurance for your older cats in UK is about £140 per year, so £11,5 per month..

What does pet insurance for older cats cover?

Not all insurers offer the same features, so check before insuring your older cats. Here is a little table that shows what is usually covered by an older cat insurance: 

Included or notDetails
Vet fees
  • Included in all type of policies
You can ask money back for vet fees if your older cats received medical treatment
Advertising and rewards
  • Often included in Lifetime cover
  • Often not included in basics insurance
You can claim the money back for the cost of your reward and your advertising spend
Death by illness or accident 
  • Often not included in basics insurance
  • Sometimes covered by Lifetime.
You can claim if your older cats died because of an accident or because of an illness
Boarding fees
  • Often not included in basics insurance
Covers the cost of boarding your older cats if you have an emergency
Overseas travel cover
  • Often not included in basics insurance
Your older cats is covered in another country
Third party liability cover 
  • Included in basics insurance
Covers legal liability if your older cats 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.
Pet insurance for older cats

What is the best pet insurance for older cats? 

Pet insurerPremiumOur reviewGet quote
logo pet protectFrom £10.75
  • Specialist pet insurance provider for over 30 years for lifetime insurance policies with vet fees cover of £4000 and £6000
  • Very trustworthy company
  • Great customer reviews, claim process handled promptly and efficiently


>> Our review on Pet Protect
Get quote (discount with this link)
logo argos pet 2From £11.54
  • One of the leading insurer for pets in the UK and has been providing cover for cats and dogs for the past 10 years
  • 24/7 vets emergency helpline available
  • Discounts available especially for multi-pet insurances
  • Optional extra to cover your pet while you are on holidays
  • Customer portal to manage your insurance policy online
  • The company paid 97% of claims within 5 working days in 2018.


>> Our review on Argos
Go to agency
Which is the best pet insurance for your older cats

As seen above, there are four levels of coverage to insure your older 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 older cats?

InsurersVet feesExcessExtraMonthly premium
Healthy Pet
  • Per Condition Limit Per Year of £1,000
  • Annual Policy limit of £2,000
£99
  • Per Condition Limit Per Year of £1,000
  • Annual Policy limit of £2,000
£4,37
Animal Friends
  • Per Condition Limit Per Year of £100
  • No annual policy limit
£99
  • Death by accident £500
  • Death by illness £500
  • Lost or stolen up to £500
£5,26
Argos
  • £1,000 per policy year
  • Lifetime cover for ongoing conditions
£99
  • Death by accident up to £750
  • Death by illness up to£500
  • Lost or stolen up to £750
  • Boarding up to £500
£ 7,45
Emporium
  • £1,500 per condition whilst policy remains in force.
  • No annual policy limit
£95
  • Death by accident £750
  • Death by illness £500.
  • Lost or stolen up to £750
  • Boarding £500
£7.58

More than
  • £1,000 limit each condition each year
  • £4,000 total vet fee limit each year
£100
  • Death by accident £2000
  • Lost or stolen £1000
  • Boarding £1000

£8,12

Older Cats lifetime cover

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:

InsurersVet feesExcessExtraMonthly Premium 
Animal Friends

£2,500 per accident

£120No£3,60
Emporium

£2,500 per injury or accident

£75No£4,08
Legal and General

£2,500 per accident per policy year

£75

Death by accident

£5.14
More than

£2,500 per accident

£100
No£7.64
Tesco Bank

£3000 per accident

£120

No

£3,60
older cats accident only insurance

What is not included in your pet insurance for older cats?

Often, these kind of features are not included in your pet insurance for older cats: 

Not includedDetails
Treatment for preexisting conditionsMost insurers won’t cover your older cats’s existing conditions. 
Routine medical treatmentYour older cats insurance won’t cover your routine medical treatment such as vaccinations, for example. 
Behaviour treatmentThis kind of feature is often not provided for older cats insurance. 
International cost Some insurers won’t offer to cover your older cats abroad.
Dental treatmentOften excluded from older cats insurance. 
older cats ageSometimes your older cats will not be covered if your pet is considered too old.
What is not covered by your older cats insurance

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:

ProviderDiscount
Aviva
  • 10% discount via Aviva* if your buy online your pet insurance for your old cat
  • 10% multi pet discount
Petplan
  • 10% discount if your buy online your pet insurance for your old cat
More Than
  • 25% discount if your buy online your pet insurance for your old cat
Sainsbury
  • 12 month cover for the price of 9 month
Direct Line

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

Pet insurance discounts