Did you know that 80% of cats over 11 need vet care for issues like dental disease and arthritis1? As your cat ages, they face more health problems that cost a lot. Pet insurance can help, but finding it for senior cats can be tough.
If you have an older cat or plan to get one, knowing about pet insurance is key. This guide will help you understand what’s out there for your senior cat. We aim to make sure your cat gets the care they need.
Key Takeaways
- Cats are seniors between 7 and 10 years old2.
- Some insurance, like Embrace, won’t cover cats over 152.
- Insurance for older cats costs more because they need more care1.
- It’s important to have coverage for diseases and arthritis1.
- Getting insurance early can avoid some exclusions1.
Can I Get Pet Insurance for an Older Cat?
Yes, you can definitely get pet insurance for an older cat. Many companies offer special plans for senior cats. These plans vary, but you can find one that fits your cat’s needs3.
Types of Pet Insurance for Senior Cats
Accident & Illness coverage is common for senior cats. It protects against new injuries and illnesses. Some insurers also have Accident-Only plans for unexpected accidents4.
Age Limits and Restrictions
Cats are usually considered senior between 8-14 years old5. Some insurance companies have age limits, but others, like ASPCA® Pet Health Insurance, don’t. This means you can insure your cat at any age4. If you get insurance when your cat is a kitten, they can stay covered for life3.
Premiums for senior cat insurance are often higher because older cats are more likely to get sick3. But, the benefits of having insurance can be worth it. It gives you peace of mind and financial security for your aging cat.
When looking for pet insurance for your senior cat, check the age limits, what’s not covered, and the cost. This will help you find the best plan for your cat and your budget.
Is My Cat Too Old to Insure?
Pet insurance has age limits to think about. Cats are seniors from 7 to 11 years old6. Most plans cover cats from 8 weeks to 14 years6. It’s best to get insurance when they’re young and healthy to save money6.
Waiting too long can lead to health issues not covered by insurance.
Senior cats, from 11 to 15 years old, face more health problems7. These include arthritis, kidney issues, and cancer7. Policies for accidents and illnesses are best for them7. But, older cats often face exclusions for pre-existing conditions7.
Insurance age limits vary by provider. Insuring your cat early gets you better rates and coverage. 
| Cat Age Range | Insurance Considerations |
|---|---|
| Kittens (8 weeks – 1 year) | Lowest premiums, fewer pre-existing conditions |
| Adult Cats (1 – 7 years) | Moderate premiums, fewer health issues |
| Senior Cats (7 – 14 years) | Higher premiums, more pre-existing conditions |
| Super-Senior Cats (15+ years) | Highest premiums, most pre-existing conditions |
There’s no strict age limit for cat insurance, but most say 14 years old is senior6. Enroll your cat in insurance when they’re young for the best rates and coverage as they age.
How Much is Pet Insurance for Senior Cats?
Pet insurance for senior cats costs more than for younger cats. This is because older cats often get sick more, leading to more claims and higher premiums8. In 2022, the average monthly premium for cat insurance was $32.25, while dog insurance was $53.348. Even though cats are cheaper to insure than dogs, their premiums go up as they get older8.
Factors Affecting Premium Costs
Several things affect the cost of pet insurance for senior cats, like where you live, your cat’s breed, age, and how much coverage you want8. The insurance company and the plan you pick also play a big role in the monthly cost8. For example, Pets Best’s accident and illness cat insurance costs $276 a year, or $23 monthly. Their accident-only plan is $72 a year, or $6 monthly8. They also offer routine care add-ons for cats, costing between $168 to $391 a year, or $14 to $32.58 monthly8.
Comparing Premiums for Senior Cats
Pet insurance for older cats can have very different prices9. On average, cat insurance costs $21 a month from major providers, but prices can vary by up to $309. For full coverage, the average monthly cost is $32, while accident-only plans are $9.6810. It’s wise to compare quotes to find the best and most affordable plan for your senior cat.
In summary, pet insurance for senior cats might be pricier than for younger ones. But, the exact cost depends on several factors. By understanding these factors and comparing different options, you can get the right insurance for your older cat without breaking the bank.
Why Get pet insurance for senior cats?
As cats get older, they face more health problems3. About 80% of cats see the vet after 11 years for issues like dental disease and arthritis3. Insurers often call cats elderly at 143.
Senior cats often get arthritis, dental disease, and kidney failure3. Early diagnosis is key for a better life for these cats3.
Common Health Issues in Senior Cats
- Arthritis
- Dental disease
- Renal (kidney) failure
- Hyperthyroidism
- Urinary tract conditions
- Heart disease
- Cancer
Benefits of Insurance for Elderly Feline Companions
Pet insurance can help with the costs of treating senior cats’ health issues11. It gives you peace of mind and ensures your cat gets the care they need11. The monthly cost for senior cat insurance is between $81.32 and $143.4611.
There are different coverage options, including deductibles from $100 to $70011. Reimbursement rates range from 65% to 90%, and benefit limits from $2,500 to $15,00011. Monthly costs can go up to $10411.
Senior pet insurance might not be the best choice if your cat has big health issues or is old11. But, it can offer valuable coverage and peace of mind for many senior cats11. Companies like Pets Best, Pets First, and ASPCA are good for senior cats because they offer options for pre-existing conditions and unlimited coverage3.
“Having pet insurance for my 14-year-old cat saved me $8,000 on her cancer treatment. It gave me the peace of mind to focus on her care instead of worrying about the financial burden.”
Is Pet Insurance for Older Cats Worth It?
Insuring your senior cat can be a big decision. It depends on several key factors. First, check if your cat has any health issues before you sign up11. If they do, those conditions won’t be covered. But, you might get help for new problems that come up later.
Also, think about your cat’s breed and health risks12. Some breeds get sick more often. Not all insurance covers these problems. Knowing your cat’s breed can help you decide if insurance is right for them.
| Pet Insurance Provider | Coverage for Older Pets | Sample Premiums |
|---|---|---|
| Fetch Pet | No age limit | $143.46 for senior cats11 |
| Spot | Varied deductibles from $100 to $2,500+ for cats | – |
| Embrace | Age limit of 14 years | $86.89 for senior cats11 |
| ASPCA | Complete Coverage package for seniors, deductibles $100-$500, limits $2,500-$10,000 | – |
Think carefully about the benefits and costs of pet insurance for your older cat11. Premiums might be higher, but it could save you a lot in emergencies. Your decision should match your needs, budget, and your cat’s health.
Pre-existing Condition Exclusions
One big thing to remember is that insurance won’t cover pre-existing conditions11. If your cat has health issues when you sign up, you’ll have to pay for them yourself. This can get expensive as your cat gets older.
Breed-specific Health Considerations
Each cat breed has its own health risks12. It’s important to know what health problems your cat’s breed is prone to. Some insurance might not cover these, so make sure you understand your policy well.
“When considering senior pet insurance, factors to keep in mind include the pet’s age, pre-existing conditions, propensity for injury or illness, and proximity to the end of its life.”12
What is the Best Pet Insurance for Senior Cats?
Looking for the best pet insurance for senior cats? Pets Best, Pets First, and ASPCA are top picks. They offer special coverage for older cats13.
These companies let cats join up to 14 years old, with no age limit. They also cover alternative therapies and have 24/7 telehealth services. This is super helpful for senior cats13.
| Provider | Max Enrollment Age | Illness Waiting Period | Orthopedic Waiting Period |
|---|---|---|---|
| Lemonade Pet Insurance | 14 years | 14 days | 30 days (in most states) |
| MetLife Pet Insurance | No upper age limit | 14 days | 14 days |
| Paw Protect | 14 years | N/A | 6 months |
| ManyPets | No upper age limit | 15 days* | 15 days* |
Top names like ASPCA, Embrace, Hartville, and MetLife also offer great senior cat coverage. They have unlimited annual maximums and flexible rates14.
When looking for the best pet insurance for senior cats, think about waiting periods, coverage limits, and how much you get back. This will help you find the right plan for your senior cat15.
“Finding the right pet insurance coverage for your senior cat can provide peace of mind and ensure your beloved companion receives the care they deserve, even in their golden years.”
Where to Buy Cat Insurance for Senior Pets
As your furry feline companion ages, pet insurance becomes more critical. Older cats face more health issues, which can be costly. The right insurance helps manage these costs and ensures your senior cat gets the care they need4.
Top Providers for Elderly Cat Coverage
Several top providers offer great insurance for senior cats. The ASPCA® Pet Health Insurance plan covers cats of any age4. Embrace Pet Insurance covers cats up to 15 years old, with options for older pets16.
Pawlicy Advisor provides customizable plans and the lowest possible price for cat insurance17. Their service helps pet owners find the best coverage for their senior cat.
Getting Quotes and Comparing Plans
The cost of pet insurance for senior cats varies. It depends on age, breed, plan, and location4. To find the best coverage, compare quotes from different providers. Look at annual limits, deductibles, and reimbursement percentages4.
Using Pawlicy Advisor makes comparing easy. It helps you find the right policy for your senior cat. This way, you can avoid unexpected vet bills and ensure your cat gets the care they need17.
“Protecting your senior cat with the right insurance policy can help you manage costs and ensure they receive the care they need.”
Key Takeaways for Senior Cat Insurance
As your cat ages, their health needs grow more complex and expensive. Getting senior cat insurance is a smart move to save money on vet bills. Some pet insurance plans don’t have age limits, so you can find coverage for older cats18.
It’s best to insure your cat when they’re young and healthy. Premiums usually go up as pets get older18. But, even older cats can get insurance from ASPCA, Pets Best, and Pets First without age limits18. This gives you peace of mind and helps with the costs of caring for your cat in their golden years.
There are also other ways to help with vet bills for senior cats. Organizations like CareCredit, the Pet Fund, RedRover, and the Humane Society can help18. You might also find low-cost clinics and discount programs for medication to manage costs18.
Knowing your cat’s age and health needs is key when picking insurance19. Senior cats need more vet visits and are at higher risk for diseases like arthritis and cancer19. The right insurance can help your cat get the care they need without breaking the bank.
| Key Takeaways |
|---|
| – Invest in senior cat insurance to manage healthcare costs |
| – Some insurers offer policies with no age limits |
| – Consider additional resources like CareCredit and low-cost clinics |
| – Understand your cat’s life stage and healthcare needs |
Conclusion
Pet insurance is a big help for your senior cat. It covers health risks and costs that come with age. Even though premiums might go up, the peace of mind and financial help it offers are worth it20.
Getting the right insurance for your senior cat means they get the care they need. This includes vet visits, treatments, and special therapies. With the average cost of accident and illness coverage at $383 for cats20, insurance can be a smart choice. It helps with big expenses from conditions like kidney disease, arthritis, or dental issues21.
Choosing a provider like Trupanion, Petcube, or others22 is important. You want a policy that fits your cat’s needs and your budget. By doing your research and comparing plans, you can give your cat the care they need in their golden years.
FAQ
Can I Get Pet Insurance for an Older Cat?
What Types of Pet Insurance are Available for Senior Cats?
Is My Cat Too Old to Insure?
How Much is Pet Insurance for Senior Cats?
Why Get Pet Insurance for Senior Cats?
Is Pet Insurance for Older Cats Worth It?
What is the Best Pet Insurance for Senior Cats?
Where Can I Buy Cat Insurance for Senior Pets?
Source Links
- Pet Insurance for Older Dogs & Cats – https://www.progressive.com/answers/senior-pet-insurance/
- Pet Insurance for Older Cats – https://www.pumpkin.care/blog/pet-insurance-for-older-cats/
- Can You Get Pet Insurance For Older Cats? – https://www.pawlicy.com/blog/pet-insurance-for-older-cats/
- Insurance for Senior Cats | ASPCA® Pet Health Insurance – https://www.aspcapetinsurance.com/senior-cat-insurance/
- Senior Cat Insurance | Plans for Elderly Cats from Nationwide® – https://www.petinsurance.com/cat-insurance/older-cats/
- How to Care for Senior Pets | ASPCA® Pet Health Insurance – https://www.aspcapetinsurance.com/resources/how-to-care-for-senior-pets/
- Can I get pet insurance for an older cat? – Vet Help Direct – https://vethelpdirect.com/vetblog/2021/07/28/can-i-get-pet-insurance-for-an-older-cat/
- How Much Is Pet Insurance: Average Costs – https://www.progressive.com/answers/pet-insurance-cost/
- Average Cost of Pet Insurance: 2024 Quotes – https://www.valuepenguin.com/pet-insurance/average-cost-of-pet-insurance
- How much is pet insurance? – https://www.cnbc.com/select/pet-insurance-cost/
- Pet Insurance for Senior Dogs & Cats: 4 Options – https://lendedu.com/blog/pet-insurance-for-senior-dogs-and-cats/
- Pet Insurance For Older Pets: Is It Worth It? – https://www.pawlicy.com/blog/pet-insurance-for-older-pets/
- Top 3 Best Cat Insurance Plans of 2024 | Compare Pet Insurance for Cats and Kittens – https://www.latimes.com/compare-deals/insurance/pet/cat-insurance
- Best Pet Insurance Companies for October 2024 – NerdWallet – https://www.nerdwallet.com/p/best/insurance/pet-insurance-companies
- Best Pet Insurance Companies Of October 2024 – https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/
- Cat Insurance Plans | Explore Pet Insurance for Cats & Kittens – Embrace Pet Insurance – https://www.embracepetinsurance.com/cat-insurance
- How & Where To Buy Cat Insurance – https://www.pawlicy.com/blog/how-and-where-to-buy-cat-insurance/
- Can You Get Pet Insurance For A Senior Dog Or Cat? | Bankrate – https://www.bankrate.com/insurance/pet-insurance/senior-pet-insurance/
- Everything to know about pet insurance for senior cats – A Blog To Make Today Better – https://blog.oneplan.co.za/pet-insurance-for-senior-cats/
- Is Pet Insurance Worth It? 2024 Guide – NerdWallet – https://www.nerdwallet.com/article/insurance/is-pet-insurance-worth-it
- Pet Insurance For Senior Pets: Peace in Their Golden Years | Spot® – https://spotpet.com/blog/why-pet-insurance/pet-insurance-for-my-senior-pet
- Pet Insurance for Older Dogs & Cats – https://petcube.com/blog/pet-insurance-for-older-pets/