Can You Get Pet Insurance For Older Cats?

can you get pet insurance for older cats

As your beloved feline companion ages, their health becomes more fragile, making them prone to age-related issues that can be costly to treat.

In fact, studies have shown that around 80% of cats visit the veterinarian after turning 11 years old for various health problems such as dental disease, renal failure, and arthritis.


To alleviate the financial burden of veterinary care and ensure that your senior cat receives the necessary medical attention, pet insurance for older cats can be a valuable investment. However, it’s important to understand the nuances of insuring an older cat and choose the right plan that suits their needs.

In this comprehensive guide, we will explore the benefits of pet insurance for senior cats, discuss the availability and cost of coverage, and provide recommendations on the best insurance providers for your older feline friend.


Understanding Pet Insurance for Older Cats

When are Cats Considered “Senior” or “Geriatric”?

Determining when a cat is considered a senior can be subjective, as various factors such as breed, size, and overall health can influence the aging process. Generally, cats are considered seniors between the ages of seven and ten years old.

However, some larger breeds, like Maine Coons, may have a shorter lifespan compared to standard-sized cat breeds. It’s important to keep track of your cat’s health and consult with your veterinarian to determine when they enter their senior years.

Why is Pet Insurance Important for Older Cats?

As cats age, they become more susceptible to certain health issues, including arthritis, dental disease, renal failure, hyperthyroidism, urinary tract conditions, heart disease, and cancer. These conditions can require extensive veterinary care, including medications, surgeries, and specialized treatments.

Pet insurance can help offset the financial burden of these expenses by reimbursing a portion of the covered veterinary services. By having insurance for your older cat, you can provide them with the necessary medical care without worrying about the high costs.


Coverage Options for Older Cats

When it comes to insuring older cats, several factors come into play, including the types of coverage available and restrictions imposed by insurance providers. The most common type of coverage for senior cats is Accident & Illness coverage, which offers comprehensive coverage for new illnesses and injuries.

However, each pet insurance company has its own policy terms and restrictions regarding aging felines. Some providers may set a maximum age limit on enrollment, while others have no upper age limits and will continue to cover your cat regardless of their age.

Additionally, many pet insurance companies offer pet wellness plans that can be added to the basic insurance policy for coverage of routine care costs. This includes expenses for preventive measures like flea and tick preventatives, annual heartworm testing, and pet wellness exams.

When choosing a plan for your senior cat, it’s important to consider both accident and illness coverage as well as the availability of wellness plans to ensure comprehensive care for your furry friend.

Is Pet Insurance Worth It for Senior Cats?

When deciding whether pet insurance is worth it for your older cat, several factors need to be taken into consideration. The value of insurance coverage for senior cats depends on their overall health, pre-existing conditions, and the likelihood of developing new health issues.

It’s important to note that most insurance plans do not cover pre-existing conditions, which are health issues that your cat already has at the time of enrollment.

If your senior cat does not have significant pre-existing conditions and is generally healthy, pet insurance can provide peace of mind knowing that you have financial protection in the event of unexpected accidents or illnesses.

However, it’s essential to carefully review the policy terms, coverage limitations, and exclusions to ensure that the insurance plan aligns with your cat’s specific needs and potential health risks.

Finding the Best Pet Insurance for Senior Cats

With numerous pet insurance providers in the market, finding the best coverage for your senior cat can be overwhelming. To simplify your search, we have compiled a list of reputable insurance companies that offer comprehensive coverage for older cats:

  1. ASPCA Pet Insurance: ASPCA offers pet insurance for senior cats up to 14 years old, with no upper age limit for enrollment.
  2. Petplan: Petplan provides pet insurance for senior cats, covering them until the age of 14.
  3. Pets Best: Pets Best offers pet insurance plans for senior cats with no upper age limit for enrollment.
  4. Trupanion: Trupanion provides pet insurance for senior cats up to 14 years old.
  5. Healthy Paws: Healthy Paws offers pet insurance for senior cats with no upper age limit for enrollment.

When selecting an insurance provider, consider factors such as coverage options, deductible amounts, reimbursement rates, and customer reviews. Each provider may have different policy terms, so it’s essential to compare and choose the plan that best fits your cat’s needs and your budget.


As your cat enters their golden years, ensuring their health and well-being becomes increasingly important. Pet insurance for older cats can provide financial protection and peace of mind, allowing you to provide the best possible care without worrying about the high costs of veterinary services.

By understanding the coverage options available, reviewing policy terms, and selecting a reputable insurance provider, you can ensure that your senior cat receives the medical attention they need throughout their lives.