Older Cat Insurance

Senior cat insurance you can trust

At Petgevity, we believe no cat’s too old to benefit from flexible, comprehensive cat insurance and free 24/7 access to vet support via video call. Our cover has a Defaqto 5-star rating when you choose vet fees over £4k with all optional extras included. We’re proud to offer reassuring protection for senior cats, plus the owners who love them.

Why get pet insurance for older cats?

Having the right insurance policy in place shields you financially from unexpected vet bills, regardless of your pet’s age. This is why it’s always worth considering having older cat insurance.

It’s an unfortunate fact of life that, as senior cats age, they become weaker, and more susceptible to infections and illnesses. Just like their humans.

If you’re on the fence, find out more about what benefits cover offers in our guide to whether pet insurance is worth it.

What are the most common conditions in older cats?

According to Petgevity data from 1 Jan 2024 to 31 Dec 2024, these are the conditions with the most pet insurance claims in cats over 10 years old:

When getting a quote for Lifetime Plus cat insurance, make sure you declare these or any other conditions to see if we can cover you*.

How much does pet insurance for older cats cost?

With all types of insurance there are several factors which affect the price. By and large, older cat insurance tends to be a little bit more costly than when they’re young scamps – but that’s to be expected.

In addition to their age, the cost of insurance will be influenced by things like:

• Your cat’s breed. Certain breeds may be more prone to hereditary conditions than others, which will affect the cost. For instance, pedigree cats might cost more to insure than moggies for this reason.
• If they have any pre-existing conditions. Similarly, the cost of insurance tends to increase if your pet is already living with any medical conditions. You should still tell us if your cat has any conditions, because – if you need to claim – it’s vital to have the right level of cover in place. With Petgevity Lifetime Plus policies, we might be able to cover existing conditions, subject to acceptance*.
• Your location. Where you live will have an influence on what you pay as well. For example, if you live in a big city, insurance might be more expensive. If more claims are made in an area, for a greater value, this generally makes insurance more expensive. And if you move home, you could see your insurance price go up or down accordingly.
• Your chosen vet fee limit, excess, bill share, plus any optional extras

When choosing the exact level of cover for your furry old pal, do some homework to find out:

• The cost of emergency treatment at your local vet
• Any genetic issues that may be common in your cat breed, and how much treatment usually costs

What’s the best pet insurance for an older cat?

It depends. Ultimately, the right insurance policy for your senior cat is one that suits their exact needs, while also working for your budget. 

To find out everything you need to consider, here’s how to choose the best pet insurance.

What does older cat insurance cover?

Essentially, all pet insurance exists to help financially with unexpected vet bills. This means if your senior cat gets hurt or falls ill, that’s when your policy acts as a safety net.

With Petgevity cat insurance, you’re covered for:

• Vet fees
  • Behavioural treatment and complementary therapy
  • Dental accidents and emergencies
  • MRI/CT scans (up to £2k)
  • Cruciate ligaments (up to £2k)
  • Euthanasia
• Emergency care

If you think your older cat needs more protection, for a small fee, it’s possible to add optional extras to your policy. These add-ons include cover for dental illness, or travel and holiday cover. Think about your senior cat’s exact needs so you can tailor a policy to be a perfect fit.

What doesn’t older cat insurance cover?

Pet insurance isn’t there to cover routine and preventative treatments. As such, we don’t cover things like:

• Fleaing and worming
• Neutering (castration for males and spaying for females)
• Routine teeth cleaning
• Vaccinations
• Routine or investigative tests (unless it’s to diagnose a new or worsening condition covered under your policy)

It’s common for vets to offer healthcare plans covering routine treatments, allowing you to spread the cost with monthly payments. Check with your local vet to see if you can join a plan which covers health checks, annual boosters, preventative care and so on.